BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-20
Company: Fidelity Account Services LLC
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Fidelity Account Services called me on XX/XX/XXXX about an amount owed to a former college that I attended in XX/XX/XXXX/XX/XX/XXXX. I have never heard of this debt in fact I had received a refund when I withdrew. They sent me a barely readable form clearly showing my refund as well as an amount added for XX/XX/XXXX semester which I did not attend. i contacted the former college and they have no record of this being owed and show a refund given on my account. I do not know if this is a scam to collect money not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: NCC Business Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Apartment broke lease agreement

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 2022-11-15
Company: Genesis FS Card Services, Inc.
State: NC
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 had a Milestone Credit Card that was issued by Bank of Missouri but serviced by Genesis FS Card Services. My card did fall behind however I called them in XX/XX/2022 to make a payment to prevent charge off. I made a payment that day of XXXX on the phone and advised I will be paying this account in full before the next pay was due. I asked would the {$56.00} payment be enough to keep the account open and prevent chare off and I was advised yes. I called back a week later to set up the payoff of the balance and learned my account was charged off anyway and sold to XXXX XXXX XXXX XXXX. I tried to speak with someone at Genesis to tell the, this was an error but they refused to speak to me and stated I needed to call XXXX XXXX. So I called XXXX XXXX  and set up the payment to pay the account off in full ( {$1000.00} ) on XX/XX/2022. XXXX XXXX only had my account for less than 10 days so they never reported to my credit. But Genesis reported the account as charged off. I filed a complaint with the XXXX  and this was the only time I got a response from Genesis. They stated they would pull the account back and remove the charge off in XXXX days this was XX/XX/2022. On XX/XX/2022 Genesis has pulled the account back from XXXX XXXX and started the process of removing the charge off but only from XXXX. Then today XX/XX/2022 I was notified that the balance of {$1000.00} has reappeared on my credit. I called to find out why and Genesis stated they don't have the funds from XXXX XXXX although XXXX XXXX did confirm my pay off on XX/XX/2022. I asked Genesis to stop reporting this balance since it was paid to the company they sold it too and it is not my fault they is a break in their process to get the account back that they sold. The payment was made therefore I am no longer responsible for the balance yet they are still reporting as if I never paid the balance in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to get my credit reports since XX/XX/XXXX. I filed a Chapter BK in XXXX of XXXX and it was discharged in XXXX. 

Equifax has removed 90 % of my history. I had to send a 10 page fax proving my identity. I still can not access my report. 

XXXX  also has identity issues but I can get to a partial report online. 

XXXX also has me blocked from obtaining my report even after uploading on my phone to the representative who said I would be able to access. 

I have had a 160 point drop in my score. I have been denied PPP, FEMA and SBA assistance and nobody will disclose why. 

I had no issues with my Covid tax stimulus or IRS Tax return but in XXXX when my score dropped, and Equifax removed most all of my history I can not access ID.me for the IRS, SSA, and I have not gotten my unemployment credit not advanced child tax credit payments. 

I have a medical collection bill that was paid in full by XXXX XXXX XXXX XXXXXXXX XXXX XXXX that was sold to collections for {$250.00} and never got a bill. I have been working with two debit collectors, the insurance and medicaid. Every month its worse.

Multiple debt collectors discharged in BK in XXXX are reporting discharged debt and selling to new collectors. 



I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a text message fraud alert on XX/XX/2021 for {$2.00}. I logged into my BofA app to confirm if the text message was in fact providing correct info. Upon logging into my BofA account I was promoted to the suspicious out of state {$2.00} charge. Since the data matched I ended up calling the BofA phone number provided in the text alert XXXX. I was informed by the agent that my account was hacked and linked to someone elses XXXX account. I was sent a verification text code which I was informed would break the bogus XXXX account. I was also informed that {$2600.00} was transferred from one of my checking outs and {$300.00} from another. To get my money back the agent had me transfer {$2600.00} to myself via XXXX and {$300.00} via XXXX to myself. After completing the transfer I asked the agent why I had to transfer money back to myself and thats when the agent hung up. Afterwords I called BofA fraud department using a phone number I located on BofA web site. I was informed that I was scammed. The {$2600.00} and {$300.00} funds at that time showed as processing however the rep said they couldnt do anything to terminate these transactions. According to my research that might not be true.

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 2015-04-23
Company: Dyck-O'Neal, Inc.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dyck O'neal inc has incorrectly reported me over 120 days late on an account that should NOT exist in the XXXX place. The account was XXXX on the completion of a Deed in Lieu on my cooperative residence. The Deed in Lieu NEVER occurred. The related mortgage was later satisfied in full via a sale of the property. XXXX of Dyck O'Neal was aware of the failure to close the DIL and still allowed the account to remain open harming my credit. Has has lied to me now on multiple occassions and has failed to have my credit reports corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Experian has exceeded the time allowed by law to correct or remove a disputed item from the credit report. According to FCRA 611 ( a ) ( 1 ) ( A ).

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 2022-11-15
Company: Experian Information Solutions Inc.
State: MI
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 ; Past Due {$160.00} Ive contacted the company about reporting these late payments. This is fraudulent and ILLEGAL.

XXXX ; Past Due Collections account, I have reported this inaccuarte account. This is ILLEGAL to report per US Codes listed below XXXX ; Past Due {$730.00} Collections account. I hace reported this FRAUDULENT account. This is ILLEGAL to report per US Codes listed below, XXXX ; Past Due {$2900.00} Collections account. I have reported this account and it is FRAUDLENT and being reported ILLEGALLY per US CODES listed below XXXX XXXX ; Past Due {$250.00} Collections account. I have contacted them and this account is fraudulent and being reported illegally per US Code listed below XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) Past Due {$1400.00} Collections account. This is a fraudulent account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Fraudulent

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 2018-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed a debt with TransUnion 4 times with no response but the two accounts are still being reported on my credit report. I have even used certified mail and had them notarized. I have requested viable evidence with my name and signature. I also requested name of creditor and was provided with incomplete information on the accounts and a false number when I tried calling the company 's number provided its an automated service trying to sell me things. I can not believe unverified accounts with no accounts numbers, incomplete addresses, and incorrect phone numbers can be reported on my credit file and that I have to do a years worth of work and it's still being reported. 
The accounts being reported are below. 

XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2015-07-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have never used XXXX and do not know what XXXX is or why it say i owe {$110.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Elite Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
repeated calls threatening me and involving my child who is a minor. They will not provide me with complete information. Phone calls are harassing and will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
On Tuesday XXXX/XXXX/2015 I purchased a Bluebird prepaid debit card at the XXXX on XXXX XXXX XXXX in XXXX XXXX WA. I paid {$5.00} for the card itself and at checkout added {$150.00} in funds to the card. The directions on the box told me I could use the temporary card and to register online for a permanent card. I made a purchase on the same day at XXXX at the XXXX in XXXX XXXX WA which left a balance of {$97.00} on the card. I went online to register the account and found that I actually had to apply for an account ( this is not indicated on the Bluebird card packaging ) and had to be approved before Bluebird would send me a permanent card.I filled out the application and was denied an account for undisclosed reasons. I called Bluebird customer service on Wed XXXX/XXXX/15 and they said they could not tell me why but that I would be able to use the funds on the temporary card any place that accepted American Express. I tried to use the card at a restaurant and it was declined. I called Bluebird customer service again on XXXX/XXXX/15 and they told me they could n't help me and to take the card back to the XXXX I bought it from. I took the card to XXXX on XXXX/XXXX/15 and spoke with a shift supervisor in the money center who tried to cash out the card as well as get cash back with a purchase. They were unable to retrieve my funds. I called Bluebird customer service again on XXXX/XXXX/15 and asked to speak to a supervisor. I was told that a supervisor was unavailable but that a supervisor would call me back in XXXX to XXXX hours. I have yet to hear back from Bluebird and I am still unable to use the card or access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XXXX I received a letter of collection from XXXX XXXX XXXX on behalf of Paypal for {$100.00} with no explanation of the charge, by the way. After telling both XXXX and Paypal via emails and telephone that I never had a Paypal account, XXXX stopped billing me, but Paypal continues to send me messages via email regarding the account I never had. They want me to 'login with my password '', which I can not do because I don't have an account, or " open an account with a password. '' I have contacted them 3 times to send me a confirmation letter that I do not nor did I ever have an account with them and that there is no no balance to be collected. However, they never did so. 
They continue to harass me. I want the harrassment to stop and the confirmation sent to me that there is no balance and there never was and still is not a Paypal account in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX refunded my account but it was closed and wells fargo won't send me a check for the refunded amount {$1100.00}.

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 2016-03-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Based on a previous complaint I filed with the cfpb, HSBC responded in a written letter on XXXX XXXX 2016 they would cease and desist calling about debt that I make regular payments on. The payment is overdue by no more than 60 days, frequently only 30 days. This is a voluntary repayment I can revisit with my bankruptcy attorney at anytime. Despite this letter and verbal requests HSBC continues to call multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have an account with Conns and my payment are due on the XXXX of the month. I was told originally that my payments will be due on the XXXX of the month. I receive up to 35 calls per day and have advised the representatives that this is harassment. Today I received a phone call at my employer and advised them not to call. The representative hung up. Then I called back and was told they do not have an employer phone number on file for me. When I asked to speak to a supervisor, I got XXXX ID XXXX and asked her to take my employer out of the system that this is not a contact number for me. She advised that she was able to locate the number in the system and has marked it as do not call. I advised of the multiple phone calls to my cell phone daily and she advised that the company is within there rights. I advised her that as a consumer this is harassment and I that I will be filing a complaint with the Federal Trade Commission. I was also advised that I would have 12 months of no payments, no interest and during one of the phone calls, I was advised that once you are late, this goes away. I explained that I was not advised this at the store and told the representative that I was deceived upfront. They also added some kind of insurance on my account automatically for an additional {$500.00} that I was not aware of until I received a letter in the mail. I explained to them that I have my own homeowners insurance and that has yet to be removed. And I also advised them that my balance on my credit report show over {$5000.00} but I only purchase {$3400.00} worth of merchandise. This still has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Nationwide Debt Management Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
The person who identifies herself as XXXX calls every day and tells my boss that I " do n't pay my bills and that I am paying 390 % interest ''. I got on the phone and said I have asked over and over not to be called at my employer b/c its not allowed and she said " then pay your bills. Until then I will call you every day. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am still having problems with my personal checks being declined by Certegy Check Services. I need to know the reason why my personal checks are being declined. My XXXX XXXX XXXX checking account has a current available balance of : {$50000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Atlanticus Services Corporation
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I started receiving an statement from Fortiva Bank that I have outstanding debt with them, problem is I dont know this bank at and I never heard of all. I talked to them to clarified the debt and we think that someone is using my identity illegally. I have med complaint with our local Police Station have the report copy from them. I want to clear my name out of this as soon as possible. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I previously notified TransUnion that I am a victim of identity theft

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 2022-11-15
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had an apple credit card opened that had a big interest rate and I paid off the debt and canceled it as I thought it was too much. I then found out about the SCRA after I canceled it and was wanting to get reimbursed for all of the interest I have paid on this card during my time in the military.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For the last XXXX  months chime has blocked my access to my account with XXXX XXXX dollars. Ive talked to customer service many times Ive emailed support many times as well as sending all required documents as asked they still havent giving me access to my funds nor unsuspended nor allowed me to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, a summons was left at my door saying I am being sued by XXXX XXXX XXXX, XXXX, represented by Mandarich Law Group for debt they claim I owe them in the amount of {$5300.00}. I electronically answered the summons denying any knowledge of this debt to them on XX/XX/XXXX, sending a copy of the answer to Mandarich Law Group and the court. I then received a false response by Mandarich Law Group dated XX/XX/XXXX stating that I did not respond to the summons on time and that they were requesting a default judgement be made against me which I believe was a tactic used to scare me. After waiting another couple of months, Mandarich Law Group sent a request for admissions on XX/XX/XXXX. This debt that I allegedly owe is time barred as the applicable statute of limitations in California has expired on XX/XX/XXXX according to documents they sent me. They now on XX/XX/XXXX requested a hearing for XX/XX/XXXX. This violates Rule 1006.26 Collection of time-barred debts by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2013 I was a victim of Fraud and I was n't able to get the perpertrator so I ended up having to pay my XXXX XXXX accounts, later I was able to pay off another account from XXXX also. I need CHEX SYSTEMS to remove these PAID accounts off of my Chex System account. I am a mother of XXXX children that have XXXX and it is very difficult to open them up an savings account because of this information on my CHEX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation