BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: AR
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 by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX {$620.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: SYNCHRONY FINANCIAL
State: OH
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:
paypal account is being charged with charges I am not making. My account is one long list of charge backs after another, none of them are mine. I called them XXXX of 2022 and filed a complaint against the charges and told them to freeze my account and if I wanted to use it again I would call back and unfreeze the account to use it. It was never frozen as requested and I find that the same thing has been going on since the phone call. I called them again recently and told them to close my account and that I would never use it ever again. They forwarded me to their fraud department and the person I was trying to talk to would not listen to me, he just hung up on me. 
The charges on my account are false and one look at the activity would prove that there is something going on with this account. I WILL NOT pay for something that I didn't ask for and need your help to get this problem resolved. The current charges on my account are XXXX and that is totally false. 
Thank you for your attention in this manner. 
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 non-monetary relief
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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:
Hello I tried to contact experian and the creditors to dispute some inquiries on my credit report that I did not notice or authorize. I am curious as to how they are remaining on my credit report when i did not authorize them or give my consist. I contacted both experian and the creditors on XX/XX/XXXX. Its evident that my credit has been compromised and I need all the support I need to rectify the the situation at hand. 

The inquiries consist of XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please assist me in getting these inquiries 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 2022-01-06
Company: AMERICAN EXPRESS COMPANY
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: Reporting company used your report improperly

Complaint:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Midland Credit Management sent me a first letter dated XX/XX/XXXX. I did not receive until today XX/XX/XXXX. 

This credit card debt is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that was XXXX on XX/XX/XXXX. On XX/XX/XXXX this debt was sold to Midland Credit Management ( " MCM '' ). I filed for XXXX Bankruptcy on XX/XX/XXXX. I no longer owe this debt. 

I asked my Bankruptcy Law Firm today, XX/XX/XXXX to send a " Cease and Desist '' Letter to Midland Credit Management , Inc . 

The amount of the debt is {$1900.00}, that I no longer owe due to filing this Credit Card in the bankruptcy. 

This Debt Collection should not even exist and they need to " Cease & Desist '' the debt collection attempt for a debt I no loner owe due to XXXX Bankruptcy that was filed on XX/XX/XXXX, and the XXXX XXXX # XXXX was included in the filing. Any further collection is tied to that filing. This debt collection needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX paid statement and notified NMAC ( Nissan Motor Acceptance Corp ) of my change of address. I had contracted for a PO Box while my new house was being built. In all of the mayhem of moving and setting up a temporary home, I didn't realize until 11/30/2020 that I had not received billing from XXXX. 
I called and spoke with XXXX on XX/XX/XXXX for 11 min. 11 secs. XXXX revealed to me the the address was inputted incorrectly. Statements were being sent to me at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Not the address I listed - XXXX XXXX XXXX XXXX XXXX TX XXXX. I immediately scheduled a " pay by phone '' pay off of the entire note. 
I was told messages had been left on my business phone. A blatant lie. I, like a lot of people was working from home. All phone messages are immediately emailed to me for review and responses. I checked my phone at the office and there was no record of NMAC contacting me. I suggested to XXXX that this should not impact my credit because of a clerical mistake at their XXXX payment processing center. 
I have formally requested a review of this through the NMAC Credit Bureau Management protocol. It was after my second letter that I received a response that all reporting was accurate. To date, I have not received a clear title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My Wells Fargo bank account was due to get my direct deposit. I got the paystub from my job, showing it was pending ( the deposit ). My banking app showed the transaction pending as well. This morning, upon checking my account, it showed {$0.00} in both my checking and savings account! The transactions show that they applied overdraft protection from both my savings account and credit card. I DO NOT want this as this should NEVER have occurred. I do not want over draft protection impacting my credit score negatively! This is apparently happening across the country too! Please help me find a way to rectify this situation as nothing seems to make sense at all with my account statement ( i am very very careful ). 

Best, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04
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:
On XX/XX/20 i found out that i was a victim of identity theft. i have sent my request to have this account from XXXX  removed as it does not pertain to me. i have never attended this school nor have i ever applied for this loan. i have contact  XXXX  and all the three major credit bureaus in regards to this fraudulent account i have submitted all supporting documents myself. i have also sent my personal information to verify its me sending the documents and not a credit repair shop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: United Resource Systems, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
UNITED RESOURCES SYSTEMS has been posting a debt on my credit report sense 2014 I have been writing them over and over they have refused to remove it and keep posting it like it's mibes I'm going to file a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I recieved an email from Bank of America saying an account was open but denied with my email on XX/XX/XXXX. 

Their contact is almost impossible to get ahold of but who ever I ended up talking to after an hour on hold wouldn't help me and asked for my social which is a red flag according to their site. I just want that account closed as experience stated they used my social

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 2018-09-25
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXXSeterus purchased and enforced a forced place insurance policy on XXXX XXXX XXXX XXXX without notice and while the property was under a federal stay. The XXXX had insurance on file in the case documents for the property with the bankruptcy court at the time of the placement. This illegal creation of the escrow account for forced place insurance in XX/XX/XXXX lead Seterus to pay off one of the Debtors tax plan agreements in XX/XX/2013. The XXXX XXXX XXXX XXXX treasure had agreed on plan and this payment plan was part of the Debtors confirmed bankruptcy plan in the amount of {$1500.00}. Seterus then added the tax plan balance to the illegal insurance escrow balance and began trying to collect from the debtor. Seterus was notified by the debtor that these actions were illegal in XX/XX/XXXX. The XXXX refused to pay the added illegal expense. Seterus raised the monthly payment to force the Debtor to pay the added bill or face foreclosure action. I have enclosed a Conditional stay of relief as a exhibit. Seterus will state that because of this relief they had the right to insure this is not true for two reasons. 1 the insurance predates the file date of the relief. 2. I had insurance on file with the court. Seterus just flat out violated my bankruptcy plan by paying off my tax plan and billing me the balance at a shorter term. Seterus needs to recognize what they have done and correct the loan back to the improper insurance XX/XX/XXXX. Seterus has been avoiding sending back a answer though the CFPB because the company has violated my bankruptcy rights and the FDCPA by trying to collect bankruptcy XXXX debt along with insurance fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: PHH Mortgage Services Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE PHH Mortgage # XXXX On XX/XX/XXXX, I was notified by XXXX XXXX  that XXXX was switching servicing of my mortgage to PHH Mortgage as of XX/XX/XXXX. I sent check # XXXX for XXXX on XX/XX/XXXX to XXXX so that they would have it post to XXXX by XX/XX/XXXX. I checked XXXX, XXXX website on XX/XX/XXXX and saw it did not post. I called PHH and got the run around. The next day it was the same and I called XXXX for assistance as they actually own the paper. They could not get a live person to talk to. I continued to try over the next few days and finally found it was not booked on their system. I called PHH again a few days later but it still was not posted, They booked the account on XXXX but payments were not posted. I called XX/XX/XXXX and found payment posted to my account on XX/XX/XXXX. PHH received my check in their lockbox on XX/XX/XXXX and I believe they held it till XX/XX/XXXX so they could tack a late charge on my account. I called and was told it posted XX/XX/XXXX but there was a late charge. I asked why and they said I had a 10 day grace and that they received the payment after the grace period. I told them I had a 15 day grace not a 10 day, and they argued with me on that. I offered to email them a copy of my loan showing it was indeed a 15 day grace and that they had the payment since XX/XX/XXXX and I wanted it posted as of the second and they refused to do so saying they could not rebook the loan on their system and apply the payment as of the XXXX of XXXX. They would however remove the late charge they gave me. This issue is still unresolved by them. I am seeking help in getting my account properly boarded and interest adjusted as I am paying them more interest in the way they are calculating my interest. ALSO, they are forcing me to either pay more to make a payment each month or give them my banking info so they can debit my account. Since my husband and I are both XXXX and our pay is not date specific, I must pay as I get the money and pay a fee for them to collect my funds unless I let them yank my funds out. I have NEVER missed a payment or given any of my servicers a reason to question my ability to pay my bills so I fail to understand why I have to pay extra to make a payment each month when the funds come out of the very same account. I know that if they are doing this to us, they are doing it to many military families and this is very unfair and smacks of XXXX XXXX  tactics - thinking we won't notice them picking our pockets ... Any assistance is greatly appreciated. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, OR XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Experian Information Solutions Inc.
State: NY
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:
This complaint is regarding inaccurate reporting by XXXX and the lack of investigation by Experian. A charge off in the amount of {$47.00} is being reported on my credit report, yet I still have an open account with XXXX. I sent a validation request to the company and received a response with a print out of all charges that appears to be hand typed and shows no records of payments. What I dont understand is why purchases would still be allowed if there is a balance owed? Also- a few days after receiving the invalid validation letter, I was given a credit increase on my XXXX account for being a great customer ( I would prefer the charge off be removed not an increase to the credit limit ) I have reached out to both the company and Experian XXXX I was provided a print out of an account in which you are able to clearly see that it is still open but there is also a charge off for the same open account. How is this possible? Payments are made each month, if there was an overdue payment why was this not indicated and mail sent out? Why were payments not applied to my existing balance? This is unfair and inaccurate and I demand this charge off be removed from my credit report. Also, prior to said charge off that happened in XX/XX/XXXX you are able to see payments, why is it that after this charge off there are only purchases view able but there are no payments showing? This is not validation this is pulling certain information and hoping the consumer doesnt notice. 
XXXX is reporting inaccurately and Experian is allowing this. I disputed this account in XX/XX/XXXX and received a print out that validates nothing. I demand an investigation. I demand this inaccurate charge off be removed from my credit reports. I have attached the print out I received and demand this be resolved as it is hindering me from receiving credit. I have no issues with my credit. Why is this charge off reporting on an account that exists? If there was a balance due why was no email sent? Why am I unable to see this information when I login to my XXXX 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 2023-01-13
Company: Chime Financial Inc
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I have no access to any of my money as it seems likethere is a freze on my name or something... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I called the bank immediately after doing a transfer that I wasnt sure. I called right away and bank told me I couldnt get my money back because it was a transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Arnold Scott Harris, P.C.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. Medical expenses incurred when a driver XXXX XXXX as a pedestrian while visiting XXXX. 
2. Ambulance bill went into default while waiting for Driver 's Insurance, which had responsibility for payment, to complete payment. 
3. Bill paid on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX XXXX XXXX repeatedly called to collect payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time I told them the payment had been made. 
5. On XX/XX/XXXXXX/XX/XXXXin a phone conversation with the Debt Collectors, the put me on hold to verify that the payment had been made. The woman then informed me that indeed the payment was cleared and they would no longer call me. 
6. OnXX/XX/XXXX, they called again asking for the money and claimed that they can not verify if the money has been paid. They insisted that I send them, via mail, proof. 

They have no right to contact me. They do not keep accurate debt information. They refuse to stop harassing me or check if the debt was paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Based on customer conversations with various members of the Discover credit card customer services team : XX/XX/XXXX Discover payment made, but improperly labeled and credited to wrong accounts XX/XX/XXXX Discover credit card company receives payment. 

XX/XX/XXXX Discover credit card company contacted by customer regarding payment and claims no record of payment ; payment bank contacted by customer about payment and confirms payment has cleared. 

XX/XX/XXXX Discover credit card company contacted by customer regarding payment and claims no record of payment ; customer told it could take up to 10 business days to post to account once proof of payment received ; customer is not given a factually confirmable reason for such a potential delay ; paying bank contacted about payment, payment bank sends by fax proof of payment to Discover credit card company. 

XX/XX/XXXX Discover credit card company locates payment internally.

XX/XX/XXXX Discover credit card company contacts customer via 2 emails notifying customer missing  payment has been located and notifying customer payment was initially sent to an invalid account. 

XX/XX/XXXX Discover credit card company contacted by customer inquiring why payment has not posted ; Discover credit card company responds, " the payment is being processed. '' XX/XX/XXXX Discover credit  card company internally manually " keys in the payment '' and internal approvals to post the payment are given at an unidentified time ; customer receives 2 emails identical to the emails received on XX/XX/XXXX from Discover credit card company. 

XX/XX/XXXX Customer contacts Discover credit card company to inquire why payment has not posted and speaks to two separate individuals, including the billing/payment research team ; customer informed payment being processed and should post by Friday XX/XX/XXXX. 

XX/XX/XXXX Customer contacts Discover credit card company to inquire on payment status, since customer is aware the payment will not post on Friday if it is not keyed up to post on Thursday. Customer speaks to five different individuals, including a payment research supervisor in DE, and is told multiple way that the payment is being processed. Customer express disbelief of the " process. '' XX/XX/XXXX Customer contacts Discover credit card company to inquire on payment status, since customer is aware the payment has not post on Friday. Customer told by four different employees payment " is being processed. '' Customer silently prays to keep calm. Fourth employee walks customer through the " process '' trying to keep story straight and explain the time lags. Fourth employee assures customer payment will posted by Wednesday, XX/XX/XXXX, but possibly Monday, XX/XX/XXXX. Customer files complaint with CFPB.

Company response to consumer: Closed with explanation