BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: OK
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:
I AM XXXX AND HAVE DIFFICULTY NAVIGATING WEBSITES AND COMMUNICATING VERBALLY OVER THE TELEPHONE. THIS DEBT WAS INCURRED WHEN I WAS IN AN ABUSIVE RELATIONSHIP AND ESCAPED. I DID NOT REALIZE HE HAD NOT PAID THE BILLS THAT WERE IN MY NAME. AFTER I LEFT, I CONTRACTED XXXX AND LOST MY JOB. AS SOON AS I WAS ABLE TO WORK AGAIN, I IMMEDIATELY PAID MY PAST DUE AMOUNT IN FULL TO XXXX XXXXXXXX XXXX, ONCE I LEARNED IT WAS UNPAID. I CAN FURNISH THE REDEEMED CHECK FOR THE FULL AMOUNT DUE. WHEN I CONTACTED XXXX  XXXX XXXX, THEY TOLD ME THE RECORD WOULD BE DELETED ENTIRELY ONCE I PAID MY BALANCE IN FULL, WHICH I DID. NOW, EVEN THOUGH I HAVE PAID THE BALANCE IN FULL, THEY REFUSE TO MARK TO DELETE IT AS PROMISED, AND EVEN REFUSE TO MARK THE ACCOUNT AS PAID, KEEPING IT OPEN FAR BEYOND REPAYMENT. THEY LIED ABOUT DELETING AND THEY ARE LYING ABOUT THE PAYMENT STATUS. I APPEALED TO EXPERIAN AND WAS DENIED. I DEMAND EXPLANATION HOW I CAN HAVE PAID EVERYTHING OFF ENTIRELY AND STILL BE IN UNPAID STATUS. I AM WILLING TO PROVIDE COPIES OF A CURRENT PROTECTIVE ORDER AND MEDICAL RECORDS AFFIRMING MY DIAGNOSES OF XXXX AND XXXX. IF YOU HAVE ANY QUESTIONS OR WOULD LIKE THE MENTIONED DOCUMENTS, YOU MAY MAKE CONTACT BY ANY METHOD YOU WOULD LIKE AND LEAVE A DETAILED MESSAGE, AND MY COUSIN WILL HELP ME RESPOND TO YOU APPROPRIATELY. THANK YOU FOR YOUR TIME AND KINDNESS. I HAVE ALREADY CONTACTED THE COLLECTIONS AGENCY, XXXX XXXX WITHOUT ANY RESPONSE WHATSOEVER. EVERY OTHER UTILITY INVOLVED HAS SO FAR DELETED THEIR RECORD, AND I BEGGED THEM TO DO THE SAME. THANK YOU AGAIN FOR YOUR KINDNESS AND MERCY IN ADVANCE. WHILE I CAN NOT PROVIDE PROOF THEY PROMISED DELETION, I DEMAND THEY PROVIDE A REASON WHY THIS SHOULD STILL BE LISTED AS UNPAID WITH A {$0.00} BALANCE. I VIEW THIS AS AN ATTEMPT TO EXPLOIT MY XXXX AND I WOULD LIKE TO KNOW HOW I CAN ATTAIN JUSTICE FOR THIS. WHEN I TALKED TO THEM ON THE PHONE THEY SAID THEY RECORDED IT, SO THEY SHOULD BE ABLE TO PRODUCE THE RECORDING AND PROVE THEY DIDN'T PROMISE TO DELETE THIS. FURTHERMORE, I HAVE AN EMAIL FROM THE ORIGINAL CREDITOR SAYING IT IS PAID IN FULL AND CLOSED.

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 2022-04-15
Company: Experian Information Solutions 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:
I have disputed several incorrect items on my report with the credit agency 's all three. I've proved my case of them being incorrect and they have been removed. Then they reappear/ show up on my credit report. Try disputing again and the credit agency 's dispute results say it remains. It's already been removed and now they tell me it remains.. what's really going on. XXXX and associates being one of them. This was a debt that was bought from XXXX XXXX, which is illegal. I paid that balance to XXXX XXXX, I don't owe XXXX anything, no charge off nothing. I demand it being removed cause it's false. The second XXXX XXXX XXXX. I had a XXXX financed back in XXXX. I went to prison on XX/XX/XXXX. Upon release I filed my divorce and the judge deemed this account and several others my ex wife 's responsibility. I emailed all credit agency 's the judgement, it was removed, but appears on XXXX and XXXX. The third, asset care. They bought a debt from XXXX XXXX which is illegal. When a debt is purchased from the original person it's owed to, it a write off for that person it was owed. Anytime i have been seen by the hospital i have had and gave proof of my insurance. Therefore my Debt was paid!! I don't owe XXXX XXXX Any money and with that being said, I demand all these accounts be removed from my credit report and stay off of it!! I have proved my innocence enough for it to be removed once. It shouldn't reappear!!!!! There is also alot of inquirys I have disputed that isn't legit/ or I haven't gave authorization for that hasn't been removed as well. I will state again, once a debt is purchased from the original creditor, it's paid as it then becomes a write of for the original creditor!!! It's illegal for that person/ company who purchased the debt to pursue me to pay, and/or put on my credit report!!! I don't owe that company proof that the debt was paid by insurance because I never owed these companies anything. When they purchased the debt they should have verified it was a legit debt, not purchase and pursue me to pay. It dont matter if/ what information that company has saying it's a valid debt!! It's illegal in the first place!! I tried calling all company 's to get this settled and I've been cussed at, hung up on, just down right rudeness from them!!! All these stayed need removed from my credit report and stay off of it, I owe these companys nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: XOOM CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have made a fund transfer from my XXXX XXXX  ( XXXX ) account to my XXXX  wallet, by using XXXX / Xoom transfer service. on XXXX with amount XXXX. 

It was actually done by accident. My idea was to transfer the fund from my XXXX  wallet to XXXX. However, when i did the transaction, the fund was withdrawn from my XXXX XXXX  account, and transfer to XXXX. 
i.e. with this case - Fund was withdrawn from my XXXX XXXX  account - It was transferred to my XXXX account with XXXX / Xoom as a transfer agent I was later informed by XXXX  that fund deposit from XXXX  / xoom is not supported, and they have subsequently issued me a refund. ( refunded with Faster Payment ID XXXX ) This refund was never returned to my bank account or XXXX  wallet. XXXX  has already confirmed that the refund has been issued by quoting the payment ID. 

I have tried to contact XXXX  / xoom support and hoping to indentify where this refund has gone to. 

However, after over 10+ rounds of communication with XXXX  / xoom account, they are still insisting there is nothing they can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Talbot, Adams, & Moore, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
My father passed and when I received his death certificate I took it along with all necessary papers requested by the bank to closed his account. Weeks later the bank tried to reclaim the funds as it was money from Social Security. Anyway I had filed bankruptcy during this time period and this was an unnamed debt that falls under the Federal Bankruptcy Code In re XXXX, XXXX XXXX, Debtor. United States Bankruptcy Court, XXXX XXXX XXXX. XXXX ( 1997 ) Bankruptcy No. XXXX XXXX XXXX XXXX, 1997. As described in Section XXXX ( b ) of the XXXX. Section XXXX ( b ) provides that all of a debtor 's pre-petition debts are discharged ... XXXX ( b ) ( emphasis added ). The issue in this case is whether reopening the case to add an omitted creditor is necessary to accord relief to the Debtor. The Court concludes that reopening a & quot ; no-asset & quot ; chapter XXXX case to add an omitted creditor has no effect on the dischargeability of such debt. 

Additionally, I do not believe I owe this debt as notified the bank of my intention to close the account because of the death and thereafter presented the bank will all necessary papers they requested. I gave all this information to the collection agency. I heard nothing more until I was contacted that the debt was sold. I informed the new collection agency of the situation and all collection attempts have stopped but it remains on my credit report as possibly being included in a bankruptcy. I would like it removed from my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have paid my bills on time or owe nothing on them but my credit score was lowered to XXXX and my account was closed. I never had a loan and I have very few inquires in less it was made by the same company synchrony. It all started during the coronavirus 19 when they did a mass account close of my accounts within less than 2 weeks. I have gotten letters for everyday almost. My score was higher than XXXX. So this will effect me during this time if I need a used car to care for my family if they need to go to the doctor or go to get food. This is not right and I plan to post this on 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 2022-09-12
Company: BSI Financial Holdings, Inc.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I spoke with a customer representative on XX/XX/2022 to have my pmi removed because I reached below 78 % of my original value and she informed me that it will be removed at 75 %. I told her that is incorrect and finally she said that she will submit a request for them to remove it after I kept asking her from the beginning if she could submit the request and she said it would take 3-5 business days then she hung up on me. On XX/XX/XXXX, I called back to check the status and another customer service representative told me that it would take 30 days. The pmi should've been removed automatically once i reached below 78 % according to previous letters that were sent to me from BSI Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I requested my transaction statement, after sending a payment for my escrow because my mortgage balance had not changed after the payment. In fact, my mortgage has not changed since I purchased my home in 2008. Where is my funds and where has my past payments been applied to? I have a conventional loan with no interest only loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Diversified Consultants, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On  XXXX / XXXX / 2017 , I sent a letter  to Diversified Consultants asking them to validate a collection that is being reported on my credit report. I neve r received a response.   XXXX  On  XXXX / XXXX / 2017 , I sent a second letter t o Diversified Consultants asking them to validate the same collection that is being reported on my credit report. I still hav e not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX there was an unauthorized charge of {$490.00} on my Bank of America account. I immediately called the merchant and they told me that the charge was from a previous finance charge I never paid from XXXX. However it wasnt from my account it was from a different account that someone had apparently used my name. They refused to help so I called BOA and they said I had to wait for charge to clear before I could dispute. I waited and on XX/XX/XXXX it cleared and the merchant was somehow able to charge another {$490.00} which put my balance at over XXXX dollars, my direct deposit the following day out my balance at a few dollars. Bank of America wont give me a provisional credit even tho I have all the evidence in the world the charges were not authorized and were fraud. XXXX informed me that they have 10 days to give me the credit but when I asked a boa customer service she informed me that they didnt have to give me a credit at all. Then on XXXX the XXXX both of my claims were closed due to duplicates even tho they werent duplicates they were two different charges. But it now says my claim wasnt initiated til XXXX the XXXX. Which I guess gives them another 10 days. I cant wait that long. Im about to lose my apartment, I havent been able to buy groceries and Ive been surviving off co workers and friends loaning me small amounts of cash. I dont see why Im being denied provisional credit.

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 2015-06-10
Company: Ray Klein, Inc.
State: OR
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:
I have been summoned to small claims court over a debt for a doctor bill. I had been paying on the debt the best I could and it was turned over to a collection agency. The collection agency has sent me XXXX letters and I have received no phone calls. The amount of money that they say that I owe is more than the agreed amount that I had arranged with the doctor. In the XXXX bill they sent me was in XX/XX/XXXX and the doctor bill was inflated by about 300 dollars and there was a hospital bill that did not belong to me from 2004. The next bill I received was just for the doctor bill ( still inflated ) and there was a threatening note above the statement that stated : We have tried to contact several times and you ignored us, so unless you respond we are going to have to file suite . So, I responded. They did not like my response so they served me papers. I had offered to pay the amount that I owe but they would not except that offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed several incorrect items on my report with the credit agency 's all three. I've proved my case of them being incorrect and they have been removed. Then they reappear/ show up on my credit report. Try disputing again and the credit agency 's dispute results say it remains. It's already been removed and now they tell me it remains.. what's really going on. XXXX and associates being one of them. This was a debt that was bought from XXXX XXXX, which is illegal. I paid that balance to XXXX XXXX, I don't owe XXXX anything, no charge off nothing. I demand it being removed cause it's false. The second XXXX XXXX XXXX. I had a XXXX financed back in XXXX. I went to prison on XX/XX/XXXX. Upon release I filed my divorce and the judge deemed this account and several others my ex wife 's responsibility. I emailed all credit agency 's the judgement, it was removed, but appears on transunion and XXXX. The third, XXXX XXXX. They bought a debt from XXXX XXXX  which is illegal. When a debt is purchased from the original person it's owed to, it a write off for that person it was owed. Anytime i have been seen by the hospital i have had and gave proof of my insurance. Therefore my Debt was paid!! I don't owe XXXX XXXX  Any money and with that being said, I demand all these accounts be removed from my credit report and stay off of it!! I have proved my innocence enough for it to be removed once. It shouldn't reappear!!!!! There is also alot of inquirys I have disputed that isn't legit/ or I haven't gave authorization for that hasn't been removed as well. I will state again, once a debt is purchased from the original creditor, it's paid as it then becomes a write of for the original creditor!!! It's illegal for that person/ company who purchased the debt to pursue me to pay, and/or put on my credit report!!! I don't owe that company proof that the debt was paid by insurance because I never owed these companies anything. When they purchased the debt they should have verified it was a legit debt, not purchase and pursue me to pay. It dont matter if/ what information that company has saying it's a valid debt!! It's illegal in the first place!! I tried calling all company 's to get this settled and I've been cussed at, hung up on, just down right rudeness from them!!! All these stayed need removed from my credit report and stay off of it, I owe these companys nothing.

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 2019-12-03
Company: Experian Information Solutions Inc.
State: NY
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:
I had a XXXX credit card and filed for bankruptcy. My credit card was in the name of XXXX XXXX. I have filed a dispute through Experian and sent 2 letters to XXXX but my Experian credit report is still showing this account as a collection instead of discharged through bankruptcy. My bankruptcy was discharged in XX/XX/2018 and I am unable to have this reported correctly. I dont know what else I can do. 

I have the same issue with XXXX XXXX my name on the account was also XXXX XXXX I have since been divorced & my name has changed to 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 2017-03-23
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Regions Bank refuses to confirm the date I can expect to receive the XXXX they " XXXX '' confirmed that I qualified for after being asked numerous times to do so. If I have indeed met all the terms, then it should be easy to see on their end when I can expect to receive the bonus.

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 2022-04-15
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:
I have disputed several incorrect items on my report with the credit agency 's all three. I've proved my case of them being incorrect and they have been removed. Then they reappear/ show up on my credit report. Try disputing again and the credit agency 's dispute results say it remains. It's already been removed and now they tell me it remains.. what's really going on. XXXX and associates being one of them. This was a debt that was bought from XXXX XXXX, which is illegal. I paid that balance to XXXX XXXX, I don't owe XXXX anything, no charge off nothing. I demand it being removed cause it's false. The second XXXX XXXX XXXX. I had a XXXX financed back in XXXX. I went to prison on XX/XX/XXXX. Upon release I filed my divorce and the judge deemed this account and several others my ex wife 's responsibility. I emailed all credit agency 's the judgement, it was removed, but appears on XXXX and equifax. The third, XXXX XXXX They bought a debt from XXXX XXXX which is illegal. When a debt is purchased from the original person it's owed to, it a write off for that person it was owed. Anytime i have been seen by the hospital i have had and gave proof of my insurance. Therefore my Debt was paid!! I don't owe XXXX XXXX  Any money and with that being said, I demand all these accounts be removed from my credit report and stay off of it!! I have proved my innocence enough for it to be removed once. It shouldn't reappear!!!!! There is also alot of inquirys I have disputed that isn't legit/ or I haven't gave authorization for that hasn't been removed as well. I will state again, once a debt is purchased from the original creditor, it's paid as it then becomes a write of for the original creditor!!! It's illegal for that person/ company who purchased the debt to pursue me to pay, and/or put on my credit report!!! I don't owe that company proof that the debt was paid by insurance because I never owed these companies anything. When they purchased the debt they should have verified it was a legit debt, not purchase and pursue me to pay. It dont matter if/ what information that company has saying it's a valid debt!! It's illegal in the first place!! I tried calling all company 's to get this settled and I've been cussed at, hung up on, just down right rudeness from them!!! All these stayed need removed from my credit report and stay off of it, I owe these companys nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
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:
See attached. Would like an explanation what is the amount of unpaid, as well as what types of fraud USAA has reported to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT I HAVE NO KNOWLEDGE OF NEITHER HAVE I BENEFITED FROM ANY OF THESE FRAUDULENT ACCOUNTS OR INQUIRIES

Company response to consumer: Closed with explanation