BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: Bread Financial Holdings, Inc.
State: IA
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:
Getting repeated calls for like 3 months now looking for someone I don't even know. I've told these people this many times over that I don't know who they're calling for and to not call my number again. The calls keep coming non stop I can tell they're robocalls also because of a long pause when I answer the telephone and a person with a robotic foreign sounding voice. Also I get no caller ID calls all days and night with people looking for this person I don't know that owes a debt. Last month alone i had XXXX calls from No Caller ID looking for so and so that owes a debt I say stop calling me & 30 minutes later someone else is calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Regarding case no- XXXX I don't know what was the mailing address because I did not receive any mail from XXXX XXXX and I only got one call from them asking for copay of XXXX $ and I paid that amount right away. Now what is the next step what I need to do to remove that collection from my account. I am ready to pay this amount as well but I want this collection to get remove from credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian is reporting wrong addresses on my credit report. Please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2023-05-03
Company: Affirm Holdings, Inc
State: TN
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:
Affirm is reporting to XX/XX/XXXX as of XX/XX/XXXX that my account is 60 days past due in the amount of {$150.00}. This account is paid in full with a XXXX balance. I have emails showing I have no active account with them and that all my accounts are paid in full. I received an email from XXXX today XX/XX/XXXX that as of today affirm is showing an amount of {$150.00} which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
, I was told to contact office for help referred by XXXX XXXX XXXX : regarding problem Im having with BANK OF AMERICA XXXX XXXX XXXX XXXX DEPARTMENT that over sees XXXX PAYMENTS. Last year my XXXX funds were stolen from my account, I have since filed claim with Bank of America they are refusing to refund my Money that was stolen, then I am being held responsible for to file on my taxes as if I received but Bank of America never pay me my money XXXX have sent them for me, they have allowed my account to be frauded and refuse to make things right, which leave me no choice but to seek outside help. My information XXXX XXXX : Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX XX/XX/1996. Bank of America XXXX XXXX XXXX - Claim Number # XXXX. They have stolen all of my XXXX benefits leaving me waiting for months with no bell and have exhausted my resources.

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 2020-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, I have been in contact with Portfolio Recovery Associates, LLC. 
by certified mail since XX/XX/2019. I have repeatedly disputed the collection the company is reporting on my credit file, requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local laws. I have asked they provide validation that is competent evidence bearing my signature, showing that I have had some contractual obligation to pay them. 

The first letter was sent certified on XX/XX/2019 The second letter was sent certified on XX/XX/2019 and XXXX The third letter was sent certified on XX/XX/2019 Portfolio Recovery Associates have yet to provide me with validation that is competent evidence bearing my signature, showing that I have had some contractual obligation to pay them. 

I have maintained a careful record of my communication. I would now like to file a complaint with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage is my loan servicer for the last 26 months. Over the last couple of years, property values increased in our neighborhood so I wanted to see if I would be able to get the PMI canceled. 

I called Freedom Mortgage to understand the pre-requisites to cancel PMI and was told to get a new appraisal to see if LTV is

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 2023-08-18
Company: Experian Information Solutions Inc.
State: OH
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:
I have contacted Experian multiple times and disputed the account with XXXX XXXX XXXX. Each time I have disputed this account the dispute comes back within a day or 3 days. I have recently contacted XXXX XXXX XXXX and I received a letter back stating that they have no knowledge of the account. I forwarded the letter to Experian in and dispute and still the account remains on my report after showing that they have no record of the 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 2019-09-24
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2019 I talked to our mortgage company, Loandepot, about how we were going to be late on our payment and that I was worried about credit reporting. During the week of XX/XX/2019, Loandepot called me and we discussed how they don't report to the Credit Reporting Bureaus that the payment was late until 40 days. With that assurance, we made sure to pay within that window. 

Fast forward to end of XXXX of XX/XX/2019, and my wife and I are being turned down credit, severely limiting our purchase power. And we're also trying to re-finance our FHA loan. Come to find out that Loandepot had marked us as late payment even after they said we wouldn't be marked - so now our credit is being affected. 

I called Loandepot to clear this up and get that removed from our reports. They said they don't do that over the phone and to write them instead. So I did that and they replied to that email that I needed to call up the Credit Bureau 's myself and dispute it. But that's taking forever. We're trying to close on our re-finance of our home, but the lender can't go forward with this mistake on our credit reports. Please 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 2019-09-24
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was {$69.00} to the good when bbva decided to first hit me with overdraft fees of {$38.00} each. I had a {$4.00} charge, a {$16.00} charge, another {$4.00} charge, and a {$15.00} charge. That adds up to {$39.00}. None of these fees should of been charged. The way the put it through was to make sure they got {$150.00} from me. This is bogus and I need all 4 fees refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My XXXX  credit report is showing that I filed for bankruptcy, I contacted the bankruptcy court and their files doesn't show that I filed, this information should be deleted for violation of my FCRA rights 15 usc 1681c-2, I demand this information be deleted and blocked from my credit profile immediately. I also sent validating information to XXXX proving my case with documentation and they responded back saying it was verified. Also XXXX and other 3rd party credit agencies are not handling consumer credit reports and disputes according to the standard of the FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Payoff process

Complaint:
In XXXX 2015 I paid off my credit card balance of XXXX online. Then Iclosed my account with CapitalOne with that payment. Then all XXXX sudden in XXXX 2015 I began to get series of phone call fromCapitalOne that I should call them to discuss my account. For some time I ignoredI ignored the calls as I know I do not have any account with them tobe discussed. When the calls did not stop I decided to access my acct. 
with the company to find out what the calls were all about. To mygreatest surprised I was shocked to find out in my account that I am stillowing {$190.00} and that made me to call the company to dispute theamount. I spoke to XXXX who decided to wave the {$190.00}, butdemanded that I should pay the minimum payment of {$94.00}. Heasked me to vow that I will make the {$94.00} minimum payment. 
I called the next day that I was not going to make the {$94.00} payment. Icame to this decision because I was beginning to believe someone wastrying to SCAM me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A medical bill conveniently has been added to my credit report for {$500.00} ( you cant report account under {$500.00} ). Ive viewed medical records from XXXX XXXX XXXX XXXX XXXX XXXX ) and contacted the billing department and they have no record of the debt. This bill wouldve been from XXXX and would have been able to have been reported until the law changed ( but it was not ). I have a credit reporting service with XXXX and have checked credit reports since XXXX and this medical bill is NOT listed. If it is my bill and went unpaid then it would have been reported PRIOR to any collections activity but it was not. XXXX can check their own records for accuracy. Furthermore, I have NOT been notified of ANY DEBT. When I contacted the collection company they advised that the debt recently was sold to them by XXXX XXXX and they didnt have my correct name or mailing address. Ive opened complaints with the CFPB for each of these companies so this issue can be resolved. These companies should not be allowed to blatantly circumvent the law and credit reporting agencies should be checking their own records and actually validating the information they allow onto a consumers credit report. I want this resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: OH
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:
XXXX was placed on my credit report on XX/XX/2021. If I allegedly did business can they prove that I made payments on XX/XX/2021 when I never made payment to them on Equifax. Also on XXXX it considered a negative account that I never made payment on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
i have a number of hard inquiry 's on my Trans union account that I never authorized and Transunion refuses to remove them : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX NA, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
All have multiple dates.

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 2020-01-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I first recieved a text stating I was approved for a XXXX loan and was asked to call the number listed, when I did call back they then asked for my bank acc/routing numbers to send the loan, when I gave them my info they stated that they don't deal with my bank, only other option I had was to purchase a XXXX XXXX XXXX. I use XXXX  online bank which is through XXXX, a very legit banking company and so this whole issue strikes me as a scam! I need verification, thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2019, I tried to open a new savings account with Marcus ( Goldman Sachs Bank USA ). I received a message stating that I'd need to call the company the next day to provide further information. I did so on the morning of XX/XX/2019, and was informed that my application for a savings account was rejected due to security reasons. I asked for further information, but was told this was forbidden. This is not the first time I have had problems like this with Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT. Experian, XXXX and XXXX all violated my federally protected consumer rights by publishing information to my credit report without my consent. As a consumer I am federally protected from these types of corporate high tech identity thefts. These is the information / accounts in question : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX amount of {$15000.00}. XXXX XXXX XXXX account number XXXX XXXX XXXXXX/XX/XXXX amount {$220.00}. XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number ( XXXX ) XXXX - XXXX account number XXXX amount {$230.00}. XXXX XXXX XXXX. address XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number ( XXXX ) XXXX - XXXX account number XXXX XXXX XX/XX/XXXX amount {$160.00}. XXXX XXXX account number XXXX date open XX/XX/XXXX in the amount of {$470.00}. XXXX XXXX account number XXXX date open XX/XX/XXXX amount {$100.00}. XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number ( XXXX ) XXXX - XXXX. There are also XXXX inquiries on my 3 credit reports. XXXX, Experian, and XXXX have all committed fraud and violated my rights under 15 USC 1681 section 602a. that states : I have the right to privacy. I want it.

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 2018-01-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been trying to dispute transactions I made over product that was not received and/or not as described. I went to Chase to dispute these transactions, but they keep telling me I need to prove that I have not received the product. I am perplexed as to how they expect me to prove this and even more so as to why they have not so much as tried going to the company that has n't sent me my product and asked them for tracking numbers, which the company has refused to provide me. I have been with Chase and never have they done such an outlandish thing. I paid for product that has not been sent out for months now, how is there a question about my charge back? And also, why is my dispute circling around Chase and not being brought to the company of which I am disputing charges?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
on XX/XX/2023 i made a purchase at XXXX XXXX in XXXX XXXX, New Jersey and used {$160.00}. on my cash app card as well as cash in my pocket to pay for the purchase. Prior to making the purchase I realized that i did not have enough cash to pay for the entire invoice. at that point I had my father cash app me {$90.00}. When I paid, initially the money from my father had not been added to my cash app card and the paymnet declined, i forget the exact amount i attempted to charge on my cash app card at that time. I contacted my father and found that he did not complete the cash app transaction. When the credit was added to my cash app balance, i went in and paid for the purchase, using cash and {$160.00} on my cash app card, this amount was different from the original amount that declined. I dont remember the original charge amount, i was unable to access it on my cash app card and cash app online chat over the past few hours was also unable to provide me with the declined charge amount. ( and im sure they could see it on their end ). When they ran the cash app cash card for {$160.00} the amount was deducted from my balance and i never had any reason to look at the charge again. Cash app claims that a portion of that charge was later credited back to my account and I used it. They also stated that XXXX XXXX reran a portion of that amount at a later date and it caused my account to mysteriously be overdrawn last night for XXXX XXXX. As i recall i had {$1.00}XXXX XXXX XXXX  and possibly some change in my cash app balance last evening XX/XX/2023. I had my father transfer {$40.00}. XXXXXXXX XXXX  to my cash app card around XXXX XXXX XXXXXX/XX/2023 and when i went to used my card for {$25.00} it was declined. that is when i looked at my cash app on my phone and it showed me an overdrawn balance of XXXX XXXX When i contacted cash app by chat, they claimed this off the wall story about the XXXX XXXX transaction. However, i did not notice any problem with my cash app balance at all until the prolem last night occurred. I requested that chat with a manager and the chat session representative would not connect me last night. I attempted to contact a cash app supervisor this morning and they would not connect me with a supervisor. at some point in my account, cash app charged me {$160.00} again for the XXXX XXXX charge. the only transaction i have from mr.driveshaft is dated XX/XX/2023. 
Not only did they charge me twice, they were unwilling to have a supervisor even discuss the issue with me. In dealing with cash app over the years i find them to be a very irresponsible organization. I also find them very willing to support those who scam on the internet and unwilling to be unhelpful in resolving account issues that may occur from time to time Cash app owes me {$160.00} Please advise, me as to the status of this issue. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation