BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-07
Company: Global Credit & Collection Corporation
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX texted my spouse, he called her and she informed him of a debt we are unaware of and is not on his credit report. He asked her to call me his spouse. She called me and in course of our conversation she stated she pulled all " our '' financial records. THis debt incurred in XXXX before I even knew my spouse to whom I married in XX/XX/XXXX. She then mentioned that I had a deed for a house in my name, asked about why XXXX XXXX was on the deed but removed and stated and " you dint have a mortgage. '' When I replied my house was purchased by me soley in XX/XX/XXXX she stated that did not matter because Tn was a non spousal state insinuating that they would come after my home if my Spouse did not pay the debt that is not even on his credit report. We received no written communication with rights to contest debt and no proof of debt. 

They have called myself and my spouse twice this week in the matter of 4 days after I informed her my spouses dad had XXXX on Monday. Today XX/XX/XXXX she called my spouse and drilled him about IRA, 401K and whole life insurance that he could possibly take funds from to pay a bill we have no proof is even his or owed despite the fact that she knew my spouses dad XXXX three days ago. 

When my spouse stated he was discussing this with our attorney she pushed for attorneys information and why was he he talking to attorney about bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collections company refuses to honor a letter direct from the company clarifying that there was never a debt on my account associated with my social security number. I had a perfect payment history. 
I've never had any debts go to collections and I am adamant about strong credit history. This error is false and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: BARCLAYS BANK DELAWARE
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:
To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED, these account are not mine and are fraudulent account and these company refuse to eliminate these account from my report XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX BARCLAYS BANK DELAWARE # XXXX XXXX XXXX # XXXX XXXX XXXX # 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 explanation
Consumer complaint received 2020-07-08
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ally Financial has not updated my loan information regarding the current balance and payment history for my credit report. The last payment update reported was XX/XX/XXXX and it is now XX/XX/XXXX. I have called the Ally Financial multiple times and the Ally Financial has not given me solid valid solution for the issue. No action has been taken by Ally Financial and the customer service is terrible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
American Express is banking a merchant called XXXX XXXX XXXX which is disreputable. Their practices are unfair and deceptive. 

I intended to purchase tickets directly from the venue- XXXX XXXX. When I searched for XXXX XXXX, the XXXX XXXX XXXX website, carefully created to look like it was XXXX XXXX, was presented to me. They sold me concert tickets at an extraordinary markup. I realized my error within a few minutes of making the transaction and called to cancel. 

Specifically, I called XXXX on XXXX at approximately XXXX XXXX. I spoke with XXXX employee # XXXX and requested she cancel my transaction, made in error. She refused. I encourage you to request a recording of that call so you can hear how this merchant stands on some fine print that I suspect many of their customers do not see or understand. 

At the time I purchased these tickets, the real tickets from XXXX XXXX werent even available yet. The real tickets went on sale at noon. This transaction was made before noon. 

I believe that the methods of this merchant are unfair, deceptive, and just really dishonorable. I asked both the merchant and American Express to consider why they would not refund a charge, mistakenly made, and both refused. To me, this is the epitome of unfair and deceptive acts and practices. Only merchants who are willfully gouging customers would stand on fine print when a customer, in good faith, requests a refund literal minutes after making a transaction. This is wrong and American Express is accountable because they bank such a disreputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Phillips & Cohen Associates, Ltd.
State: TX
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:
This company is calling incessantly at which most times I do not answer. I did finally answer a call on XX/XX/XXXX or XX/XX/XXXX only to discover they were looking for my deceased EX-husband whom I divorced in XXXX. They asked if I knew who the executor of his estate is, to which I responded " NO ''. I told them to put me on their " do not call list '' and do not call me again. Then again today ( XX/XX/XXXX ) I received another call, different CSR, and told them I had already addressed the issue and AGAIN, do not call me again and put me on your " Do not call list ''. These people will not give up! I have had no contact with my ex-husband in over 27 years. They need to leave me alone!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: PR
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:
I got two accounts on my Experian report showing up as charge off, this information is inaccurate and violating my rights i wants this accounts remover from my report, this has been affecting me without me knowing for two years and has made my quality of life more difficult by my rights being violated and wrong information being reported. 

Account # XXXX Experian XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount - Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX Account # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$14000.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX these accounts keep showing as charged off on my report when that is not current or accurate.

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 2022-03-26
Company: PLANET HOME LENDING, LLC
State: NJ
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:
I am attempting to refinance my mortgage ; however, my current mortgage servicer, Planet Home Landing, reported that I was delinquent with a late payment in XX/XX/2021, but that payment was in fact made and drafted from my bank. I have the bank statement referencing that the payment was made. Because of this alleged " late payment '', I am unable to qualify for any refinancing options and it is affecting my credit standing. I am experiencing severe financial hardship and every attempt I make to refinance the mortgage is not successful because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase bank claim # XXXX. XX/XX/22 {$40000.00}. XX/XX/22 {$7000.00}. Debit. Company name XXXX XXXX From XXXX XXXX XXXX XXXX. I am a victim from XXXX. i submitted my complain to FTC # XXXX. I submitted to Police report # XXXX. I submitted also to XXXX ( no report # ). I submitted to Attorney General ( no report # ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions Inc.
State: GA
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:
Wrote letters about 45 days ago with the results of verified XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$590.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Foris DAX, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I reported 3 unauthorized transactions on XX/XX/2023 {$99.00} {$99.00} {$99.00} as the merchant XXXX sent me an email telling me that my account has been compromised and to disregard any emails telling me about the orders made as they cancel them and if I see any charges on my bank statement to dispute it with my bank, did report this with my bank on XX/XX/2023 and Ive given them more than 10 business days to resolve. My issue anymore. Time is needed them provisional credit should be given to me within 10 business days as it states that in the terms and conditions they agreed to.I sent them screenshots of my communication I had with the merchant and what they advised me to do, and they are refusing to provide me a provisional credit because I am familiar with the merchant. Yes, I am familiar with the merchant, but I am not familiar with those transactions and neither is the merchants as they were the ones that notified me that my account has been compromised and to dispute the charges with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: MA
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:
hi XXXX ; I been trying to contact you guys because there is an account under my name and credit report that I'm unaware of and i need this delete and permanently removed from my credit. I never authorized nor signed nor give any consent to be added. I'm not liable for this account and i need this removed. delete now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My complaint pertains to the receipt of inaccurate information on multiple occasions from Bank of America XXXX XXXX, which resulted in the temporary closure of my IRRA account for an unintended period of time, along with missed opportunity for trading during the same time frame. On XX/XX/XXXX, I authorized a {$41000.00} disbursement from my IRRA to serve as a form of down payment for a home my wife and I purchased. I was advised by the assisting representative as long as the funds were deposited back in my IRRA within 60 days, there would be no tax implications. This is the first round of inaccurate information provided to me, since the same representative did not mention I would receive a XXXX from the disbursement. Multiple conversations occurred between the first call inquiry I made through the actual disbursement, and while I was reminded each time of the 60 day period to deposit the funds with no tax implications, I was never told the transaction would result in the receipt of a XXXX. Secondly, I was not told my IRRA was technically closed as a result of the amount of the disbursement ( more on this aspect later ). The {$41000.00} were deposited back into my IRRA on XX/XX/XXXX. The representative who called me to perform the transaction did not advise that my account was still technically closed, and did not communicate any next steps to reopen it. It was my understanding the account was active, and I left that call believing I had fulfilled the necessary steps to have the account resume trading. Basically, after the funds were redeposited, the call concluded without any mention the IRRA was still inactive, and that more action was required. I phoned Bank of America XXXX XXXX in late XX/XX/XXXX, some time during the week of the XX/XX/XXXX, to inquire as to why my IRRA account balance had not shown any activity. It was on that phone call I discovered more steps were needed to reopen my IRRA, which I proceeded to take action on in the days that followed. I also raised concerns about having received the XXXX form. I was told I would receive a tax form from Bank of America XXXX XXXX around XX/XX/XXXX, which would be needed when finalizing my yearly income tax filing. I phoned in around XX/XX/XXXX to follow up on the receipt of this tax document, and learned the document I was supposed to receive would not be sent until XX/XX/XXXX, not XX/XX/XXXX. This is yet another instance of inaccurate information that was supplied on prior calls. Because I was under the impression I would receive this tax document in XX/XX/XXXX, after the XX/XX/XXXX tax filing deadline, I submitted an extension for my XX/XX/XXXX tax filing, which was something I could have avoided had I been given accurate information the first time.

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 2021-06-07
Company: EQUIFAX, INC.
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:
There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. 
I do not recognize this information and have never incurred debt with this creditor. I do not know where it came from. Thus, I am requesting that you please verify the validity of this information, and remove them once its confirmed that it is not mine.I believe that someone else may my name.it could also be possible you are mixing up this account with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
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:
On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX for account # XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus Experian and XXXX advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, and since that date the item has not been removed from my credit report and XXXX XXXX has failed to provide any validation of debt as requested. I received a letter from XXXX XXXX showing an application for XXXX XXXX at an address that does not belong to me, along with a phone number that does not belong to me. I have attached that letter to this complaint. The address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. I do not live at this address and I am not associated with XXXX XXXX that lives at this address. I have disputed this same address and other accounts with Experian and XXXX. I feel they are using this address to verify debt that does not belong to me. I have sent in copies of my current state identification, as well as utility bills showing my correct address to Experian as well as XXXX. XXXX XXXX is using name similarities, and an address that does not belong to me to justify reporting this account as mine. Neither my social security number nor my XXXX identification number are listed anywhere on this application. This is not accurate debt validation and should be 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 non-monetary relief
Consumer complaint received 2018-12-17
Company: Action Collection Service
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Action Collection Services out of XXXX, Idaho has called me numerous over the past two years and have now started calling again. I have started to not answer the calls due to the amount of times the employee of the company calls me. Every time that he has called me he will not tell me the amount of the debt, who the debt originated with and what date it originated or give me a reference number or put me in contact with a supervisor. He calls every six months and will call not only my cell phone but will call my office as well every day numerous times a day. They have never sent me any paperwork about this so called debt, so I can't dispute it even if I wanted to. He will also tell me that I have a judgement against me for this so called debt and that it is on my credit report ( there is no judgement or debt being owed on my credit report ). This man is rude and angry when he calls and I repeatedly tell him that I do not know what it is that he is talking about 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 2019-03-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan payment is $ XXXX/month. I was placed on a IDR on XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$800.00} via ACH Debit from my checking account to satisfy XXXX and XXXX monthly payments. On XX/XX/XXXX I received an email from Navient confirming receipt of my payment in the amount of {$800.00} stating the payment posted to my account on XX/XX/XXXX. I went online to make my monthly student loan payment on XX/XX/XXXX and my account showed a payment due of {$880.00} with a past due amount of {$480.00}. I immediately called Navient to report the discrepancy. The representative stated that he was unaware of why the full payment was not applied to my account. I then spoke with a supervisor who stated that I would need to provide Navient with my bank statement to prove the payment was made, which I refused to do. I then requested the Department of Education 's number from Navient to complain about the mismanaged payment. Navient provided the number XXXX which is not the correct number for the Dept. of Ed. I then contacted the Dept of Ed. and was transferred to the Ombudsman group ( case # XXXX ) and told that I needed to contact Navient 's Advocate group which I attempted via phone and email. I have since notified Navient that I do not trust their accounting procedures and am refusing to make further payments. Given the above, Navient has negligently handled my payment, is actively operating a business to defraud consumers, is operating in a manner which is deceptive and unfair to consumers and Navient is wrongfully seeking collection of funds that are not legally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was contacted today by my mortgage company advising I have not paid my XXXX Mortgage. I was told I had a returned check from the bank and was charged a returned check fee. The escalation rep, XXXX, XXXX, advised my account number was " changed '' in XXXX and would not credit me the return check fee. I have been paying Ocwen with the same checking account for approx. 12 years and I have NOT changed it. I also have made my payments on time. I want the XXXX return check fee credited. My bank also has no returned payment fee on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  & XXXX  XX/XX/2020 about inaccurate information on my credit report. 

DPT EDXXXX {$30000.00} FORD MOTORS CR {$9600.00} XXXX  {$160.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$770.00}

Company response to consumer: Closed with explanation