BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I went to XXXX in XXXX of XXXX looking to buy a house. 
I ordered a Glassdoor for my bathroom on XX/XX/XXXX, the merchant " XXXX XXXX '' charged {$280.00} ( XXXX soles ) and agreed to have it installed by XX/XX/XXXX, Since I was using my credit card to make the payment I made the mistake of paying him in full. When the due date came the merchant never showed up. I called him many times but he never answered my calls. I needed to move into my new house by the end of XXXX so I ordered the door from a new merchant and placed a complaint with the bank. The bank gave me the credit for the full amount and I thought the deal was over. 
In XXXX I received a letter from the bank requesting me additional documents and the credit was reversed, by then I was already in my new house, and the Pandemia has forced the government to put us in quarantine. On XX/XX/XXXX I sent a letter to the bank letting them know that the merchant never finished his job. Finally, on the XXXX of XXXX, the merchandise answered me saying he will back in XXXX the following Tuesday to install the door. 
It was very difficult for me to communicate with the bank I couldn't get internet services for the new house before the lock-up I was just limited to my phone. 
When I got back home, I sent a letter to the bank with a full explanation of what had happened.

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 2019-10-01
Company: Agency of Credit Control
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2019, I arrived at my office and received a summons. The summons contained information regarding the amount owed, the name of the creditor ( which is a medical provider ), and personal information. Additionally, I asked the creditor for a copy of the debt and I did not receive the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I received a notice of two hard inquiries on my credit report from two separate financial institutions for new credit applications. Neither of these applications were made by me and I believe I may be the victim of identity theft. I have reported both applications for fraud to both XXXX XXXX Bank and XXXX XXXX respectively. I have also spoken with Transunion to freeze 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 non-monetary relief
Consumer complaint received 2018-05-23
Company: Bread Financial Holdings, Inc.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX Pay Pal sent myself a letter to my address on record that a fraudulent account that was opened fraudulently on XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX reference # XXXX with a fraudulent email where the thief rack up {$710.00}. The institution has never asked for any identification to verify that I was the correct person applying for credit violation of the banking laws in american banking and finance industry.. NOW 7 YEARS LATER THE SAME INSTITUTION SENDS ME A LETTER THAT THE BANK IS TRANSFERRING BANKS WITH THE SAME ACCOUNT THAT IS FRAUDULENT WHICH TELLS ME THEY NEVER CANCELLED THAT FRAUDULENT ACCOUNT ALSO NEVER SENT THE REQUIRE DOCUMENTS THAT THAT ACCOUNT WAS CLOSED ALONG WITH THE ADDRESS WHERE THE ACCOUNT ORIGINALLY TAKEN FROM AND WHO DID THE CRIME. AMERICA HAS LAWS AND PROCEDURES TO DO BANKING AND IT LOOKS AS IF THIS BILL ME LATER COMPANY HAS NO REGARD AS TO MY FRAUD ALERT ON ALL 3 CREDIT BUREAUS AND PROCEDURES TO HOW TO HANDLE FRAUDULENT ACCOUNTS THRU OUT THE USA. THIS IS A GROSS VIOLATION OF BANKING AND FINANCE LAWS TO IGNORE FRAUDULENT ACTIVITY WITH APPLICATION THAT A THIEF USED MY PERSONAL ID FOR FRAUDULENT ACTIVITY THIS IS THE 8TH TIME WHICH I BELIEVE ITS THE SAME INDIVIDUAL THAT ALSO TRIED TO STEAL MY TAX RETURN IN XXXX TAX YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reported this matter to the CFPB and Portfolio Recovery Associates, LLC gave a company response that they would Cease & Desist all collection efforts as they are not my original creditor and I do not wish to work with them. I was very specific in my request that they remove all negative reporting they are doing to the 3 major credit bureaus as they are damaging my credit profile. Not only have they NOT REMOVED the reports from XXXX, XXXX, and XXXX they are reporting that the account is accurate and CONTINUING COLLECTION EFFORTS as well as having sent now 4 letters to my residence attempting to collect on the debt in question. I will inlude the 8 page letter because it is front to back herein as Portfolio Collection Letter. PORTFOLIO RECOVERY ASSOCIATES, LLC is not respecting my Cease & Desist request they pretended they never recieved also inclosed herein as Portfolio {$310.00} furthermore they are not removing the negative reporting and continuing to VIOLATE my rights. I implore the CFPB to please assist me with my requests. I will Include all documentation to make proof of my claim. The screenshots indicate Portfolio remarking that the dispute is resolved and the customer disagrees. Portfolio is being deceptive and I need help. I am also enclosing reports from the 3 major  credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE FILED A PREVIOUS COMPLAINT AND I DID GET A RESPONSE BACK FROM THEM HOWEVER THEY ARE BEING EXTREMELY BIAS IN THE RESPONSE INDICATING THAT WE MUST START THE APPROVAL PROCESS OVER AGAIN WHERE THERE MAY BE A CHANCE WE WONT GET APPROVED FOR SOMETHING THAT WAS NOT OUR FAULT, THEY FAILED TO SEND THE ACTUAL CONTRACT WITH THE APPROVAL LETTER AND AND IVE MADE EVERY POSSIBLE ATTEMPT TO CONTACT THEM AND GET SOMEONE TO LISTEN TO ME. WHILE THEY CAN NOT PROVIDE ANY PROOF THAT THEY DID IN FACT SEND THE CONTRACT, THEY DO NOT BELIEVE I MADE ANY ATTEMPTS TO CONTACT THEM OR SEND THEM THE LETTERS STATING THEY HAVE NO RECORD OF THEM, I DID NOT SEND THEM REGISTERED MAIL BUT NEITHER DID THEY AND YET THEY ARE CHOOSING TO NOT BELIEVE ME BUT EXPECT ME TO BELIEVE THAT THEM, THIS BIAS ATTITUDE LEADS ME TO BELIEVE I HAVE NO CHANCE AT ANOTHER REPAYMENT PLAN AND FEEL LIKE THEY ARE DISCRIMINATING AGAINST ME. THEIR COMPANY HAS BEEN CHARGED WITH EXTENSIVE VIOLATIONS AND HAVE PAID MILLIONS IN FEES DUE TO THEIR ILLEGAL ACTIONS AND YET THEY ARE INSINUATING THAT I HAVENT DONE WHAT I SAID I HAVE DONE, THE ADMINISTRATIVE OFFICE WAS RESPECTFUL ENOUGH TO SEND CORRESPONDANCE REGISTERED BUT THIS OFFICE CONTINUES TO SEND MAIL UNTRACKED, LEAVING NO RECORD OF HAVING SENT ANYTHING AT ALL.i NEED TO DETERMINE THE DISCRIMINATORY NATURE OF THEIR ACTIONS AND INTEND ON FILING CHARGES WITH THAT AGENCY IF THEY DO NOT STOP ACTING IN THIS BIAS MANNER AND CHOOSING TO BELIEVE WHAT ONLY BENEFITS THEM WITH NO PROOF TO BACKUP ANYTHING THEY ARE SAYING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I entered into a Two Step Mortgage Modification Agreement with loan serviced XXXX XXXX XXXX. The terms included principal reductions in 3 increments upon the XX/XX/XXXX anniversary of the modification in XXXX, XXXX and XXXX. The loan is now being serviced by Fay Servicing and they have not complied with the deduction of the final XXXX principal reduction. I have called, mailed and emailed documents. It is XX/XX/XXXX, an 8 week delay from the XX/XX/XXXX anniversary date. 
Also, the Loan is still being held in the incorrect Title of The Estate of XXXX XXXX, an entity which ceased to exist in XX/XX/XXXX upon the closing of my late husband 's Probate. I have made repeated requests to have this switched to the XXXX Family Trust. This inaccurate reporting creates a hardship for me to cash checks such as the Escrow overage as the check was written to a closed entity. 
I have attached the Loan Modification Agreement as well as evidence of the XX/XX/XXXX and XX/XX/XXXX principal reduction credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX belonged to my ex-boyfriend. I filed a XXXX   XXXX case and was able to break the lease without having to pay anything. I had a XXXX XXXX filed against him and only lived there for 6 days. This should not be on my credit, it was not my lease and the responsibility is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX belonged to my ex-boyfriend. I filed a domestic XXXX case and was able to break the lease without having to pay anything. I had a restraining order filed against him and only lived there for 6 days. This should not be on my credit, it was not my lease and the responsibility is not 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 2017-12-04
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:
I have tried to contact experian regarding incorrect name variations that are not 100 % accurate and are in violation of CRA and HIPPA. They are showing name variations with a XXXX as a middle and that is not 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 non-monetary relief
Consumer complaint received 2017-11-23
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX ( 3 mos ) {$920.00} MIDWEST RECOVERY SYS ; I sent letters since XX/XX/XXXX since then no one respond to me. I told them that this should not a bill. When the neighbor called the ambulance when I had an XXXX XXXX, my girlfriend did not let them go with me because I got better. When they came, they got my name and social. And later they sent their bills. Not fair at all. I did not get into the Paramedics. Please remove that. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: ATG Credit, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX approx. XXXX XXXX c.s.t I received a call from a woman named " XXXX '' at ext XXXX who said she was with ATG Credit and collecting a debt from XXXX about a XXXX computer from back in XX/XX/XXXX. I immediately told her this was fraud and explained I was requesting a full validation of debt as per my rights with the FDCPA. On XX/XX/XXXX I  received a packet from ATG Credit that was what they call a " Fraud/ID Theft Handling Packet '' and in this packet they are requesting I write to them critical personal information including my date of birth, social security #, my home and work phone numbers, current and past addresses and tell them about the fraud. 
Also on the letter it states that the creditor is XXXX XXXX XXXX XXXX and I have no idea who that company is either. I do not feel comfortable giving this information to a 3rd party collections agency that obviously ca n't validate the debt they are claiming to represent that is already over 10 years old, has NEVER been on my credit report, and I have never owned a XXXX computer nor bought ANYTHING on XXXX! I feel this is a complete scam, the ATG credit company has an A rating with the BBB with over 90 complaints so we know that they obviously buy their rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have contacted you all once before. I'm following up. I was recently went to check out a new car at XXXX XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items still need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX-XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX. Inquiries : 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 2019-10-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i've been a victim of identity theft and am requesting to have this item removed from my credit report. it does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: FL
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:
I received a notice of two hard inquiries on my credit report from two separate financial institutions for new credit applications. Neither of these applications were made by me and I believe I may be the victim of identity theft. I have reported both applications for fraud to both XXXX XXXX Bank and XXXX XXXX respectively. I have also spoken with XXXX to freeze 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 non-monetary relief
Consumer complaint received 2021-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I had a issue with direct deposit on my Edd debit card I called BOFA and customer service said go to bank with 2 forms of ID AFTER I HAVE VERIFIED MY IDENTIFICATION ON EDD WEBSITE AND BOFA ACCUSING ME OF FRAUD AND WONT TAKE BLOCK AWAY FROM CARD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: COAST PROFESSIONAL INC
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I contacted the Department of Education for questions regarding the balance of a wage garnishment I was assigned. I was told the debt is no longer handled by the DOE, and was given the phone number and referred to a company by the name of " Coast Professional, INC '' as they are now responsible for the collection of the debt. I contacted " Coast Professional, INC '' to check the balance with them and was told my remaining debt is a {$12000.00}. Here 's where the issue is, I asked them for the original balance, which is {$12000.00}. As of XX/XX/XXXX, my YTD payments will be {$1600.00}. The garnishment began on XX/XX/XXXX and in that year, {$2400.00} was paid in garnishments, giving a total of {$4000.00}. I spoke to a representative and asked if someone could give me any type of explanation as to where the money taken from me has gone or is going, and at the time he stated that the information was not in front of him, that it could be possibly due to interest and fees, and offered to transfer me to someone who could possibly give me more information. I was placed on hold, hung up on, and my number was blocked from returning a call. I tried several times to redial the number to no avail, then dialed a friend of mine for them to contact them in a three way call and the call went through. The representative that answered looked through the information on my account and saw that there is a discrepancy as well. This representative stated he would get a manager to talk to me about what was going on and was hung up on once again. I believe my funds are being misappropriated.

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 2018-12-19
Company: CL Holdings LLC
State: TX
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 reached out several times to XXXX XXXX XXXX as well as all three credit bureaus to dispute a XXXX XXXX account on my credit report with a balance of {$870.00}. I have never had an account with XXXX or applied for service thru XXXX. No one has been able to send me anything showing my signature or my supposed signature for validity of this account and I need it investigated properly and removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: Global Equity Finance, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I signed my mortgage loan closing papers with Global Equity Finance, Inc on XX/XX/2021. The XXXX listed Cash to Close to Barrower at {$2300.00}, The Closing Disclosure signed on XX/XX/2021 listed the Cash to Close at {$2300.00} To Barrower. 
The Final XXXX  shows payment to Barrower at {$2400.00} ( Disbursement Date : XX/XX/2021 ) On XX/XX/2021 I received a new Closing Disclosure to sign thru XXXX XXXX. It listed Closing Costs included - {$990.00} in Lender Credits and Cash to Close at {$3600.00} To Barrower. 
Also on XX/XX/2021 I received an email from XXXX XXXX on behalf of XXXX XXXX XXXX, XXXX stating they had purchased my loan and was discovered that the Final Closing Discloser was missing Lender Paid fees. They were re-disclosing and where providing a copy of the final document. 

On XX/XX/2021 I received an email from XXXX XXXX of XXXX XXXX noticing the new Closing Discloser showed they lowered the Points and gave a Lender Credit. She stated it was done Post Closing and not done by Escrow. 

On XX/XX/2021 I sent XXXX XXXX of Global Equity Finance an email regarding this issue and did not receive a reply. 

On XX/XX/2021 I sent XXXX XXXX of Global Equity Finance and cc : XXXX XXXX of Global Equity Finance an email regarding this issue and did not receive a reply. 

On XX/XX/2021 I sent XXXX XXXX of Global Equity Finance an email regarding this issue and did not receive a reply. 

What happened to the {$1200.00} Cash to Close to Barrower?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to the credit agency letting them know that they are reporting incorrect information on my credit file. 
I have pulled a copy of my credit report and I find that these names are reporting on my credit report in error. I have never been know as 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX , XXXX , XXXX 4.XXXX XXXX 5.XXXX XXXX I have never lived at these addresses 1 . XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Because of all of the fraud going on and credit breeches I would like this removed from my file immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation