BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone signed my name and used my information to obtain a lease for an apartment. I filed a police report, filed a fraud report with the FTC, filed a dispute with the collection company and notified the apartment complex but they still insist the debt is 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 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX  XXXX XXXX made a mistake applying my mortgage payment for the month of XXXX then reported a 30 day late payment to my credit history that was NOT my fault. My numerous attempts to get ahold of the bank and to request them to correct their own mistake went ignored and all letters and call were unanswered ...

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 2020-08-08
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The only three things negative on my credit is medical and one that I have no clue about on my behalf. I was a victim through the IRS in XXXX or XXXX. I was contacted by the IRS and now I have to wait for a code in order to do my taxes. I dont know what to do anymore and Im trying to buy a home for my children and I but cant due to my credit being destroyed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Shellpoint Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
We put the house for sale. 
We received from Shellpoint the Payoff amount. 
We are disputing this Payoff amount. 
We are disputing the DEFERRED PRINCIPAL of : {>= $1,000,000} We do not have any record of this Deferred Principal. 
Please Validate and Verify this debt in compliance with CFPB Regulation F, 1692 G Should this debt be a part of a past Loan Modification, provide the details and the records of the Terms of that Loan Modification to Validate and Verify this Debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions Inc.
State: TN
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:
The problem is that I have inaccurate information reporting to my credit report thats affecting it negatively. I have my proof attached to this complaint also so please take the time to look over 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 explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
There was two accounts opened for a Car loan for XXXX XXXX XXXX   and XXXXXXXX XXXX that has been disputed under identical theft, but still remains on my credit report after multiple disputes, Ive given them the police report numbers and also the FTC filing numbers stating specific sections of the FCRA mailed to them registered returned mail

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 2017-10-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received notification from creditor : XXXX XXXX that I owed more that correct amount. The amount was paid. They sent information to debt collector who is asking for more and declined to correct information and noted " I owe ''. I offered to pay 40 percent and they asked for full. I do n't agree to the current amount.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Upstart Holdings, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
The company Upstart will not quit harrassing my wife and I. Every week we recieve six advertisement letters for us to apply for one of their loans. I called them twice and politely ask they remove us from their mailing list, the first lady said " i dont know what to tell you '' and hung up, the second person said they cant remove us from their mailing system. We have no loans with this company, we've never purchased anything from them. They also call my phone everyday asking me to apply for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this may concern these items in my credit file are from unauthorized use of my Social Security number and card I did not authorize these accounts to be taken out in my name nor they relate to anything I did I am unaware of any of this please remove the information asap.. 
XXXX, XXXX & XXXX XXXX open XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XX/XX/XXXX {$450.00} I included all the documents you asked for to verify my identity address

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 2017-02-23
Company: SYNCHRONY FINANCIAL
State: WA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
Throughout the course of the last 4 years I have received prepaid Visa Debit Cards as a bonus for purchases I have made. Because I live in XXXX and was unable to use these cards they expired. The total amounts are approximately {$300.00}. I tried contacting the issuer of the cards and was advised that they are unable to extend the expiry and that I was basically out of luck. I am respectfully requesting your assistance. 

Feel free to contact me so I can provide you with the necessary information. 

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 2016-03-16
Company: Account Liquidation Services Inc.
State: ND
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Back in XXXX my home was XXXX and checks were stolen. Fraudulent checks were written and are now reporting on my credit report. There are a total of XXXX checks reporting. The collection agency is Account Liquidation Services. I have provided them with forgery paperwork. All XXXX accounts are still reporting on my credit report and my credit score is being impacted by this. I am requesting that the accounts be removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: Upgrade, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I made a large payment that was received XXXX, it was not processed until XX/XX/XXXX per Customer Relations Mgr. Online there is a Negative balance and incorrect payment due amount that does not reflect the same on the creditors side. Payments have been taken and cleared for the payment that was made, however the Creditor claims that since it was by check that there are 12 days they can hold the account without updating it and reflecting updated balance available credit and min payment due. Per my acct it is inaccurate and the Creditor never disclosed these services of when a check is mailed in and the time frame it takes to clear an account and update the account to reflect accurately. My acct # XXXX with upgrade is reporting ( negative ) XXXX current balance XXXX and credit limit XXXX with payment of XXXX due. This is all wrong my payment posted per activity uploaded that the payment was credited XXXX the current uploads are as of today XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On numerous occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I reached out to the credit bureaus and company in charge of this account to get it removed for one XXXX  reporting this account and to remove it due to XXXX  purposes. This account along with its debt does not belong to me or was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Eastpoint Recovery Group, Inc
State: MN
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX was the original debtor, received a call from some guy named XXXX XXXX from Eastpoint recovery claiming that before my case goes into court they were trying to avoid court preceedings etc ... 
He has called my family members and disclosed my debt to them. I was scared into paying a down payment to keep my account out of court. They first took XXXX then XXXX within a month time. I requested a verification of my payment plan but never received it. they then try to take more than the amount agreed on the next payment. I still have not received any written verification of the debt or this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Credit Center, LLC
State: CT
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:
My ex-wife XXXX XXXX XXXX incurred a medical bill with XXXX XXXX for a XXXX XXXX for XXXX XXXX.. The bill was filed by XXXX XXXX XXXX XXXX XXXX correctly to XXXX XXXX at XXXX XXXX XXXX, XXXX NY XXXX. By Court Order, the mother is required to pay the bill and submit the balance to me. The motehr recognizes that the bill should be sent to her and has tried to correct the error. The agency changed the billing to me then back to XXXX then back to me when there was no payment. The mother has not paid any portion of the bill. My credit score decreased for XXXX to XXXX. 
Total amount due is {$2000.00}. I have no agreement with XXXX XXXX. I have sent two certified letters to the Credit Center at XXXX XXXX XXXX, XXXX CT XXXX and registered a dispute with all three credit agencies : XXXX, XXXX and XXXX but have been unable to correct this error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: U.S. BANCORP
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 contacted US Bank about fraud on my credit card. US Bank stated that I wouldnt be responsible for any of the charges. I filled out paperwork for fraudulently charges and filed a fraud report. US Bank closed the card and removed the charges. US Bank closed the account and sent me a check {$6100.00}. I didnt authorize anyone to make any charges on my account. US Bank have now put the charges on my credit report. This is fraud. How can they put something on my credit report I didnt authorize? Im not responsible for fraud. I want US Bank to remove and clear all negative and derogatory reporting on 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 monetary relief
Consumer complaint received 2021-09-04
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got theirs response as always out of the facts they send me the same all the time XXXX I got i loan modification I paid a lawyer I paid at the time {$12000.00} in the new money they called and I was supposed to start new but shellpoint morgage servicing his partner in crimes XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX the again changed for lawyer fees court fees and any kind of fees then in XXXX again when shellpoint took over they came telling me they will foreclosure my house couse I owed them over XXXX in in their response they said they don't know what happens before but they know I owed over XXXX they even claimed my wife was on the contract in the mortgage and she did bankruptcy on even before I got my loan modification well that's what they say I don't know why o the purpose of it. XXXX  XXXX XXXX is well-known for his corrupted way to make money like countrywide and shellpoint but they keep charging for money fees they make it up that's why in their response shellpoint morgage servicing send paperwork from before XXXX and they can't tell where is the money i owed this corruption at it's best

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged {$170.00} for overdraft fees on XXXX XXXX, 2016. The bank held all my debits and presented them on the same day, beginning with a large check I wrote for {$15000.00}. As a result, I was charged {$35.00} for a {$1.00} item, another {$35.00} for a {$7.00} item, another {$35.00} for a {$34.00} item, etc. I realize that I am responsible for ensuring that I have funds available, and I review my online bank every day. My online reflects that funds were always available for all the items I presented, when I presented them. I have attached online screen prints. I can not afford to be charged this overdraft fee at this time. I was granted a refund of {$70.00} but need the rest of my money. I just purchased an investment property and plan to bring plenty more funds to the bank, if they show me that they value my relationship. I have never overdrawn my account before, and this all occurred because I was traveling and in the middle of the big purchase, so I may not have paid as close attention as I usually do. I maintain balances in my account well over the premier account requirement. I only recently changed it because I need to write another large check soon. As you can see in my account history, I also have other accounts that I would consider moving to TD Bank, if I am granted this one time courtesy refund to refund the entire {$170.00} I was charged. If not, please call me to let me know how to have all my accounts closed. Regards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, we went to chase bank for a domestic wire transfer of {$30000.00}. The intent of the wire transfer was for closing funds on a property we were purchasing and the intended recipient was title company. However, a scammer had knowledge of this closing somehow ( current theory is that someone's email has been hacked ) and they sent my wife fraudulent wire transfer instructions from an email account that looked just like the lender. When we went to the bank, we sent it to this incorrect account from the Scam. 

Immediately after sending the money, I called the title company and they indicated that they hadn't received funds. That's the point at which I reviewed the emails and realized they were sent from a different account with stolen email signatures and such. Mobile viewers do not display the email address in the original message, they only show the contact name. You have to physically click on the name to see the senders email address which is not something one would do if they are already expecting an email at a specific time from someone. 

We went back to chase within about an hour of the transfer to reverse the wire. Furthermore, the account the money was transferred to was also a chase bank account so it was all within the same bank. The account we sent the money to was immediately restricted due to fraud and the personal bankers there indicated it looks like they have a history of being a fraudulent account. It's important to note that all of the funds from the wire were remaining in the account at this time, so none of the funds from the wire had been lost. After additional reviews, the fraudulent account was closed officially by the bank, and we were told that the funds are now held somewhere internally at chase. 

Chase has acknowledged that account was associated with fraud, they have closed the fraudulent account and retained the funds. But we have not gotten those funds back into our Chase account. Every time we ask when funds will be returned, we get a new date as to when the investigation will be completed. There are no external banks associated in this, all accounts are internal to Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: TN
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, XXXX XXXX XXXX is reporting an erroneous and inaccurate charge-off with a past due balance on my credit report with XXXX and Experian. In violations of FCRA, a charged-off account is already written off. There should be no past due balance of {$4500.00} when the account is charged-off already. I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ) against XXXX XXXX XXXX XXXX XXXX. I previously disputed this erroneous and inaccurate information with XXXX and XXXX XXXX  XXXX XXXX XXXX was removed from my credit report for inaccurately reporting a charged-off account with a past due balance amount owed. A direct violation of FCRA, requiring all inaccurate information to be removed. XXXX XXXX XXXX XXXX XXXX sold the charged-off account to XXXX XXXX XXXX XXXX Who XXXX me on XX/XX/2022 by letter attached as a Collections agency. Pursuant to FDCPA Section 809. Validation of debts ( 15 USC1692g ) requires validation of debt before reporting information on my credit file. I demanded validation of debt from XXXX XXXX XXXX XXXX XXXX When XXXX XXXX, XXXX failed to validate the debt, they informed me that the account was transferred back to XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a {$300.00} XXXX gift card at XXXX with my AMEX credit card which card number is XXXX on XX/XX/2020. 
When I was trying to load the gift card to my XXXX account, I was told the gift card had been load to someone else 's account. I went back to XXXX, the manager told me to dispute with American Express. 
I submit the dispute, and Amex gave me {$300.00} temporary credit and I have been waiting for the update of the claim since I have never received any mail or email about the update of my claim. When I was checking the bank statement today, I found the claim was closed and the favor in Merchant.  Amex clawed back the {$300.00}. I'm trying to redispute it, however, Amex said they can not open the case since it was closed two months ago. 
I was shocked since I never heard from AMEX about the case. 
The gift card was loaded to other 's account after I bought it, and I can tell the code on the card was altered, it's the merchant 's responsibility to keep the gift card code safely.

Company response to consumer: Closed with explanation