BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Amazon send a cancellation of debt form last year saying that the debt I owed was discharged at that time the charges off balance was {$1600.00}. They sent me a 1099-C tax form also saying the debt was cancelled. Then I was disputing the way they reported with the credit bureaus they changed it saying that now I owe {$2100.00}, instead of my account being forgiven of the debt, that also made my credit score lowered by over 20 points. I have file 2 disputes with XXXX  and no update.

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 2017-12-23
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: Problem with personal statement of dispute

Complaint:
I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from Equifax, whereas XXXX XXXX stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with Equifax as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30
Company: Debt Relief Center
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Hello, I got a scam document from a company named the Debt Relief Center XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I live in Washington, DC for reference. They advised to me in the letter ( also attached as a PDF ) that my 'IMMEDIATE RESPONSE TO THIS SECOND NOTICE [ was ] REQUESTED. ' I never received a first notice. They advised to me that I have an 'estimated ' {$13000.00} in unpaid credit card debt. In actuality, I have about {$5000.00} and I just purchased a home, so I also have a mortgage. They are proposing a settlement offer but advised they can only do so 'once we have been contacted ... ' This is a scam and I want to ensure that this company is not only dismantled, but charged for extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back on XX/XX/2019, I sent to the three major Credit Bureaus a request to stop collection activity in a Wells Fargo card svc account # XXXX, since this account was fraudulently opened, and Wells Fargo received the Police Report and FTC that the Credit bureaus sent them, but are still trying to collect and send me notices. 

I am demanding that Wells Fargo stop all collection activity and cease any collection or reporting efforts. Please help me to solve this issue since Ive been doing everything in my hands to fix this but Ive been ignored. 

Attached : - FTC Report - Police Report - Collection letter I got from WF

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 2019-08-14
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX This card is reporting the wrong information in my credit on the day of the last activity taught XX/XX/XXXX, XX/XX/XXXX and I asked them to explain this error, I was expecting a change but I received a letter indicating that nothing will change since EVERYTHING IS ACCURATE ( Day  of the last activity XX/XX/XXXX adn XX/XX/XXXX ) I attach the errors

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 2021-03-26
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts and credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent accounts and is the result of identity theft : Collection Account : XXXX XXXX, XX/XX/XXXX, {$220.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, Account : XXXXXXXX XXXX XXXXXXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts and credit inquiries listed on my XXXX XXXX and Trans Union credit report are fraudulent accounts and is the result of identity theft : Collection Account : XXXX XXXX, XX/XX/XXXX, {$220.00}, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Account : XXXXXXXX XXXX XXXXXXXX,

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 2021-03-26
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I'm am banking with Chime Bank in the general I get notification on any new deposits made to my account. On three occasions Chime falsely stated that a refund amounts from to my accounts and never actually gave issue the amount to my account. On those 3 occasions I did never gotten deposit alert or the money back. The first was on XX/XX/XXXX XXXX XXXX refund me {$150.00} i never got it. I called chime and complain after speaking Village Green I saw the post history saying it was there but it was not was actually there was my paycheck the additional {$150.00} that should have been there wasn't.The 2nd was on XX/XX/XXXX Chime post in my history after a month has passed that I received the {$10.00} deposit from XXXX Cash didn't got an deposit alert for or saw it.The only thing I saw an got a notification on was the {$110.00} I had deposited. The 3rd was the {$25.00} purchased on XXXX was issued back to me on the XX/XX/XXXX and sent me an email confirmation that they issued the {$25.00} I called Chime XX/XX/XXXX. The Chime Bank rep I spoke to said they had received funds they just had not yet been released it to my account. Today XXXX XXXX I called Chime again that gave me run a around now I am just fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Bread Financial Holdings, Inc.
State: NC
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:
My credit report shows several inquiries for new lines of credit that I do not recognize, 3 are from the same company/credit card bank. And also XXXX XXXX where I was in a fraudulent issue in XXXX, it is still showing in a very negative impact on my report. Ive have numerous issues with my cell phone also in reference to my bill being a huge amount. Was in a fraud investigation with XXXX and they said they could not find anything, actually 3 times with XXXX. With XXXX XXXX XXXX I received paperwork by mail in which I returned and then I received a letter stating they did a thorough investigation and found it was fraudulent activity and I was not responsible for any amount charged. I feel like someone has actually taken my identity now that I think about everything that has happened over the last 2 years. Also, I was in a XXXX claim since XXXX and just now have been deemed XXXX XXXX XXXX. Im not familiar with this type of issue of fraud, so I am not sure what to do. But when I received an email and have been receiving several emails saying inquiry on my credit report, I really didnt pay any attention and thought it was just spam. So, I really do not know how to proceed with this or where to start. And it is not just XXXX XXXX that I have a problem with, there are several others, some I mentioned within this note and there is also one on my credit report that has an address of Delaware or Maryland and I am not for sure the name, it was abbreviated on my report. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: FIRST GUARANTY MORTGAGE CORP
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I was contacted by Good Mortgage ( unsolicited ) on XX/XX/2020 to do a refinance since rates had dropped and they were a retention company for my lender. I submitted all the information they wanted, and it was determined that I was under the 50 % DTI, but just barely and that they were sure we would be approved for a 2.875 refinance rate. My credit score was in the 800 's and my house payments were always made on time, usually on the first day of the month. I was making a {$3800.00} payment, and the refinance would have dropped my payment about {$600.00} - {$700.00} a month, so of course I would be able to make a much lower payment. Over the course of the last 3 1/2 months, everything changed. The first disclosures were in my name only. After a short while, my husband was added, then removed, then added again. I paid an exorbitant amount for an appraisal wherein the appraiser was not even at my house for 15 minutes, took no measurements, and could have easily used the comps as he came in at least {$350000.00} under the same types of homes in my neighborhood ( with similar upgrades of course ), but still giving me a ton of equity, about {$750000.00} - {$800000.00}. And, then magically, my under 50 % DTI was changed by Good Mortgage to well over 50 %, although absolutely nothing financially had changed in my life, except that my income had actually increased. Then, after that, Good Mortgage needed to show additional income of {$2000.00} a month via a letter, and we submitted that and met that requirement. In fact, we showed more than {$2000.00} additional coming in monthly. I have an entire email string from XXXX to today 's date that I can forward to you. Good Mortgage would ask for something which we would meet and that was to be enough, but every time we met their new requirement, there was another one. The goal posts were constantly changing. I can't say for certain, but my guess is that this is a scam to get the hideously high appraisal fee from as many people as they can and then submit their denial. That money adds up rather quickly and makes a lot of money for this company. Three and a half months in, and the person working on my file said " the discussion is closed. '' Again, I believe it is a scam to collect the very high appraisal fee from individuals with no intention of completing the refinance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-14
Company: Remitly, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
I am having very bad experience with remitly, they transferred wrong amount to my foreign account, waiting for them for last 10 days on reply, i noticed this after long time that I received wrong amount, it would have gone unnoticed for somebody else who is doing business with them, I understand no systems are prefect but after knowing that they transferred wrong amount they are not taking any action, I was assured to resolve this in 24-48 hours now today is 10th day and no action Transfer number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 PayPal sent me an email stating that they were closing my account and would be holding any funds in my balance for 180 days. The email did not contain any explanation of their decision to close my account. I was able after holding on the phone for several hours to speak with a live agent who said my account had been closed because of price gouging. He stated that I had been warned by PayPal and when I said that was not true he said that XXXX had warned me, which was also not true. XXXX did remove my listings because I listed a package of items which included hand sanitizer and masks and they stated that because they were having problems with price gouging they were only allowing authorized vendors to sell those items and were not accepting applications for new vendors. I was able to relist the original item with just the nitrile gloves with no problem and pricing was similar or less than all other listings on XXXX. PayPal had previously limited my account only due to the fact that my volume had increased so drastically that they were requiring invoices for the product I was selling and proof of ownership of the company which I provided and my account fully restored twice before this. When they arbitrarily closed my account and accused me of violating the acceptable use policy I had {$93000.00} as a balance. I was told that the hold was to make sure that there were no chargebacks on the account and the funds would be available in their entirety for me to withdraw after that time. Turns out 180 days later I received an email saying my funds were available only to find out that they had debited my account {$30000.00} with " damages to PayPal '' in the memo. I have sent messages and have only received automated responses from them and hold times are 2 hours plus if you try to call. I feel like PayPal stole {$30000.00} from me and can not even talk to anyone there to correct the issue. They force you into arbitration in there terms of service so attorneys will not even touch the case. I have already sent them notice of dispute and plan to initiate arbitration as soon as the 30 day notice is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a master card associated with my business account with Bank of America. I've been paying the minimum payment or more to keep my account in good standing. I decided in XX/XX/2019 to pay off this card due to high interest rate. For two statements following the full payment I noticed that the bank is still charging me a finance charge at even a higher rate on a XXXX balance account.

I contacted the Bank of American customer service to see why I'm being charged a finance charge on a XXXX  balance. They told me that they do so for the two months following the full payment. This didn't make any sense. I asked to speak to a supervisor and they declined to speak to me. They even charged me a cash finance charge when I never take out cash on any of my credit cards.

I believe the bank is over charging me and trying to make money on a XXXX balance. I would like this issue to be investigated and hope to resolve it with removing these charges from my account.

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 2019-08-14
Company: EQUIFAX, INC.
State: NV
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 was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bill with XXXX that I never authorized acct # XXXX dated XX/XX/XXXX Also Inquiries for XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel I am being taken advantage of and being looked over in my disputes in detail. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted the Equifax  data breach and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX sent me a letter dated XX/XX/XXXX claiming that I ( XXXX XXXX ) have done and/or you ( XXXX XXXX ) the following : -Neglected to pay promptly my obligations -Failed send money as a payment -Failed to use the opportunity to contact XXXX XXXXthat XXXX XXXX has offered -Billed me repeatedly ( inferring that I have ignored your statements sent to my residence ) -Owing a lump sum of {$8200.00} for XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX claims are in error ( blatantly wrong ) because : -I sent a resolution letter stating what I can on a monthly basis on XX/XX/XXXX - {$5.00} per month sent out by the XX/XX/XXXX of each month as a payment - {$5.00} payment was enclosed in the resolution letter for XX/XX/XXXX payment There are three ( 3 ) different debts that I owe from XXXX that I sent three ( 3 ) separate resolution letters for, which are : -Account # XXXX -Account # XXXX -Account # XXXX Each month, three ( 3 ) seperate letters are sent with {$5.00} payments all to XXXX XXXX at XXXX. XXXX XXXX, XXXX, MI XXXX I have only received one ( 1 ) letter each for each of the three ( 3 ) different debts and never repeated billing of each of the three ( 3 ) different debts and/or phone calls. 


Therefore, XXXX XXXX letter comes off as predatory and intended to scare me into your terms and conditions of payment. In the resolution letter, XXXX XXXX has had the opportunity to communicate with me via postal mail. By postal mail, it is most effective to keep documentation of what is discussed between us ( XXXX XXXX and myself ). Instead, XXXX XXXX sent me a predatory letter with erroneous claims. Plus, when did XXXX XXXX and Iagree to combine accounts into a lump sum amount to pay towards?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an American Express Delta SkyMiles through a solicitation I received as a result of being an existing SkyMiles participant. I received email notification within minutes stating my application was declined " because American Express cancelled ( my ) previous account ''. I do not recall having an American Express account. The declination letter also stated I could contact AMEX customer service, which I did. The agent that I spoke with advised me that she could not locate any prior account in my name and was unsure why I would be declined for an account. I asked if I had perhaps been an authorized user on someone else 's account and was told there was no record of that either. I have very good credit and have never been declined for a credit card, car loan or mortgage loan. I would like someone at AMEX to  review my application and inform me in more detail the reason it was declined.

Company response to consumer: Closed with explanation