BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-12
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Every day, sometimes twice a day, I get an autodialed call from Central Credit Services stating that " This call is for XXXX XXXX. If you are not XXXX XXXX, call XXXX. '' I called the number numerous times and explained that I am not, nor have I ever heard of a XXXX XXXX and to please remove my number from their list. I called the number again this morning after I got yet another call from them. This time their mailbox was full and I could n't leave another message. I believe this is harassment as they call early mornings and I 'm an older person. The only thing I can see that XXXX XXXX and I have in common is our initials. The gender is not even the same. It does n't look like they have any intention of stopping these phone calls. Oh, and at XXXX point the automated message says, " if you continue to listen, we will assume you are XXXX XXXX '' or something to that effect. The problem is, you ca n't disconnect. If you hang up and pick up the phone again, the recording is still going until the end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Data-Central, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My daughter had a XXXX boy that had a huge crush on her and she told him that she only liked him as a friend only. He got upset and told his mom that she was saying she wanted to XXXX. She was XXXX years old at the time. So his mom called the sheriffs department in our countyand told them my daughter was going to XXXX which was not true. So the sherrif came to my hose with an ambulance and took my daughter away for a XXXX and XXXX which was a lie from that boy. The ambulance company hired Data Central to collect over {$1500.00} from me for an ambulance ride that this boys mother se into motion over a rejection lie. They need to take off this bogus debt as it is not mine but the boys mother. I had to pay apprx. {$200.00} for an evaluation which came back good on my daughter. This woman caused a lot of XXXX believing her son whom is a liar. This is not my bill, but hers to pay for her sons lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
PayPal said that my account was on hold for XXXX days due to suspicious activity but PayPal has no evidence to show or any proof and now i thought that i will get my money back after XXXX days but suddenly they already get my money without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: EQUIFAX, INC.
State: PA
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:
The following accounts are fraudulent and must be removed! 

XXXX XXXX XXXX XXXX False Balance {$2200.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$950.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$0.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$57000.00} Date XX/XX/XXXX XXXX  False Balance {$160.00} Date XX/XX/XXXX XXXX XXXX False Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022, I saw an offer for a Southwest Airlines Chase XXXX when booking a flight, and applied for the promotional offer. I received an email on XX/XX/XXXX stating I would hear back within 30 days. I checked my credit report and I see there is a " hard inquiry '' from " Jpmcb Card '' on XX/XX/XXXX. This indicates my credit was checked, and therefore negatively impacts my credit score. 

As of XX/XX/2022, 44 days later, I still have received no additional emails, mail or phone calls regarding the application. I called to inquiry. After being transferred to 5 people, I was told I " should have received a letter '', but no one can tell me anything other than, " my application was archived '' and the card was not issued. I asked for a reference number and was hung up on. 

Per the ECOA under 1002.9 Notifications, I have the right to be notified within 30 days if I was denied or if my application was incomplete. I believe " Jpmcb Card '' / Chase is in violation of my rights under the ECOA by not providing any notifications within 30 days and then being unable to provide me any additional information after the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: USCB, 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: Account information incorrect

Complaint:
This account has been paid in full I tried to dispute online but with XXXX credit bureau but I keep getting errors messages unable to complete this action at this time please try again later! I will upload a receipt for proof of payment please modify account or delete it as I was not notified of the furnishing of this account because the company didn't have my updated contacted information until I called the and gave it to them please remove item from my credit reports thank you! Do to I was not properly notified about such account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I XXXX XXXX entered into a consumer credit transaction with the U.S. Department of Education on or about XX/XX/2015, and not with Great Lakes who is an uninterested third party. This consumer credit transaction included a finance charge, pursuant to 15 USC 1605. A finance charge is the sum ( total ) of all charges in a credit transaction. Pursuant to 15 USC 6802 U.S. Department of Education never disclosed to me that I had the option to opt out of being reported in which is a violation of 15 USC 1681. I do not owe this debt, I am a consumer who is not obligated to pay this pursuant to 15 USC 1692a ( 4 ) and 15 USC 1692a ( 5 ). The U.S. Department of Education & Great Lakes are debt collectors pursuant to 15 USC 1692a ( 6 ), they have used instrumentality of interstate commerce and mails in the business principal purpose of which is the collection of debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: NCB Management Services Inc.
State: VA
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:
NCB Managment Services - Says its in collections for {$2900.00}. With XXXX  NCB Managment Services -  Same thing - With XXXX XXXX XXXX {$890.00} Says it is in Collections With XXXX XXXX XXXX XXXX - {$99.00} Says it is in Collections With XXXX  These accouts are definitely not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: MoneyLion Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an activate money lion debit MasterCard in the mail and all my credit reports are frozen due to potential identity theft. I didnt authorize or attempt to open any accounts with MoneyLion or any other loan companies. This is FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Army and Air Force Exchange Service
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: Account status incorrect

Complaint:
The AAFES Military Star Card took advantage of me while I was overseas. The company fraudulently took money from me and never posted to my account. I came back state side and found out the account had been charged up over 2,000 and no posted payments have been made. I reported this to the company and I was asked for receipts- there was no way I could get those as I was XXXX and didnt keep any cash exchange receipts. I wanted the exchange to open up an investigation into this in 2014 to which I was told that the only way to prevent this from affecting me is to pay off the whole balance, which I did. Almost 6 years later, they have reported my account as delinquent even when I was told that this would be handled if I just paid off the balance, even though I had already made monthly payments that were not posted to my account, as someone was stealing them from the exchange overseas. Furthermore, they have filed a tax write off when there was NOTHING TO WRITE OFF! They fraudulently steal money, failed to flag my account for missed payments, never sent correspondence and told me that this account is my responsibility. They refused to help their customer when fraud was evident and have ignored every chance I have tried to resolve this. I dont owe them a cent and I paid off an amount twice over, only to be treated this way.

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 2017-02-02
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called my work place 3 times. The 1st time I told them I that I can not take phone calls at work and to not call me at work. The next day they called me at work AGAIN.. I told them once again to not call me at work..3rd time, the next day the still called me a work thus causing me to get into trouble with personal phone calls.. I called them back from my cell phone during my break and told them they caused me to get into trouble for calling me after I told them not to call me at work.

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 2020-03-20
Company: Capio Partners, LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( aka XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX. XXXX dated XX/XX/XXXX stating that I was responsible for a medical debt of {$380.00} for a patient whom I have no knowledge of and with a medical group I was unfamiliar with. On at XXXX XXXX  CST XX/XX/XXXX I called XXXX and spoke to XXXX XXXX, disputing the debt. He indicated that the debt had been recalled the previous day and they were no longer attempting to collect. I asked to speak to a supervisor and was referred to XXXX XXXX who indicated the matter was no longer active and that they would update with credit bureaus. Suspecting fraud I asked for and was given a number for patient advocacy XXXX ( XXXX ) XXXX. No one answered. I received a recording and opted not to leave a call back number because I didnt want a collector on a bogus debt to have my phone number. 

I then received a letter from Capio Partners dated XX/XX/XXXX to collect the same bogus debt. Interestingly, the XXXX XXXX  and the Capio Partners letters showed the same return address of XXXX XXXX XXXX, XXXX, CA. XXXX. The correspondence from both also listed an address on XXXX XXXX in XXXX, TX. 

I sent Capio Partners a letter certified mail return receipt dated XX/XX/XXXX disputing the validity of the debt entirely and requesting written verification of the debt. 

In a letter dated XX/XX/XXXX Capio Partners send a copy of a purported medical bill from original creditor XXXX XXXX   XXXX XXXX, XXXX. The statement was addressed to an address I have never resided or been to in XXXX, GA. I have not been in or around XXXX in over 5 years. I have no friends, relatives, associates living there and not even aware of any acquaintances living there. This correspondence did include personal information that demonstrates that this debt has been fraudulently created through identity theft. 

I am actively disputing this debt with Capio Partners and credit bureaus and am exploring reporting this matter to local law enforcement, the FTC, and my state AG, as well as the AG of Georgia and Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
this is the 4th complaint that I come here to make against Wells Fargo. On the XXXX they want to close my account because I haven't paid the outstanding balance and I haven't paid because I don't agree with the abusive fees I've been suffering since last year. I want to pay my balance but I want the bank to be fair to me. in 5 days you will close my account and I am crying out for a solution by all possible means. I have been a customer since XXXX and I find this treatment absurd. I demand a solution to my problem. and it's no use leaving a message on my mailbox, I WANT Wells Fargo SOLUTION!!!

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 2015-11-26
Company: P.S.C., 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 was discharged in bankruptcy

Complaint:
I filed chapter XXXX bankruptcy in XXXX 2012. I included in my bankruptcy a bill from a company named XXXX. The bill was for residential garbage collection from my house that was vacant and being foreclosed. 
XXXX has given the bill to a collection company named Puget Sound Collections and they are currently trying to collect the amount past due. 
I 've contacted Puget Sound Collections several times and let them know this bill was part of a chapter XXXX bankruptcy filing. I 've even sent a copy of the list of creditors from my bankruptcy to Puget Sound Collections. It clearly states that this bill was part of my bankruptcy. 
They refuse to remove this from my credit report. It 's causing severe damage to my credit score and am in need of assistance getting Puget Sound Collections to remove this from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and I seen a card on there that I was the authorized user that I have no knowledge of. I contacted the credit card company plus XXXX to dispute it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out XXXX XXXX XXXX  to finish my XXXX and XXXX XXXX. I graduated XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. ago. My loan started out as {$79000.00} and is currently {$100000.00}. I have paid every since then. When I exited college, no one talked to me about how to appropriately choose payments that would pay off my account.We struggled financially as a XXXX XXXX XXXX so picking the one of the lower payment was our choice. We knew it would take a little longer but we assumed that the balance would go down and we could change it along the way when things got better. My husband was laid off twice, so I took a forebarence for a year... again no one talked to me about how much my interest was or talked to me about getting me on another plan. When ever I would call to speak with someone, I was always left confused because I don't think they really knew what they were talking about. I've been a XXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXX  so once I learned of the XXXX XXXX I began applying, each time was told no I was missing something, we need a copy of your income tax form, and two years ago I heard " you need to have 120 payments but your plan is okay '' then it was " you are on the wrong payment plan ''. When I tried to get details about what they meant, I still didn't get any clarity to this question. Each time I called, the rules of the game changed! The last time I wrote to XXXX and was rejected I asked for something in writing so I could have proof, and something tangible to follow. I never received that letter. 
Mohela then took over and I have spent months jumping through hoops. I included every piece of correspondance with XXXX and a copy of my payments. I was so happy to see that it didn't matter about what payment plan I had been on, if I had a forbearance in the past, and suspended payments because of COVID counted. Bottom line is I've been on a payment plan for XXXX XXXX XXXX XXXX XXXX  and my debt didn't go down even by a penny, it increased by {$24000.00}, making my balance increase to {$100000.00}! I don't know about you but something is seriously wrong with this picture! I I just received an email from Mohela leaving me with 43 payments to still pay and because the payment had to be income driven, my payment has more than doubled!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Experian Information Solutions Inc.
State: TX
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 have a medical collection reporting from XXXX XXXX XXXX  with the original creditor of XXXX XXXX XXXX XXXX XXXX XXXX  for {$1300.00}. I had never heard of this doctor before seeing this on my credit, and never went there. I disputed it with the bureaus and never heard anything back on it, or received any verification, and it's still showing on my 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 explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: TX
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:
It has came to my attention that XXXX XXXX XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith and ruin my financial livelihood. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation in writing of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. 

Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 

XXXX XXXX XXXX is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and XXXX XXXX XXXX. This account with XXXX XXXX XXXX is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 

Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount undersection 1666 of title 15. XXXX XXXX XXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In 2006, XXXX XXXX XXXX in XXXX XXXX offered me loans to pay for schooling. Credits they claimed were transferable, were not. The loans they claimed could be differed, could not be. After a year of schooling I was over {$25000.00} in debt and they wanted me to pay over {$300.00} a month on my loans to pay them as I went to school full time. They lied about everything and it has made my life difficult for these last 10 years. I understand I likely will not receive a reimbursement of the little I have paid off ; yet if you could get them to stop reporting on my credit history and stop haunting my future. 

Thank you, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation