BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: EQUIFAX, 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:
XXXX XXXX Bank is claiming I had a credit card that I never had. I'm XXXX. They are ruining my credit. I have repeatedly disputed it and they keep " verifying '' it. Furthermore, I called them to opt-out all the way in accordance with privacy laws and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more XXXX years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute ,XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We cancelled our XXXX account in XXXX. We received a final bill XX/XX/XXXX which we called and XXXX balanced with XXXX as they were charging for devices that were free at sign up which had also been an ongoing issue with them. This was our final payment which states no money due. We have since been with XXXX. We have had consistent high credit scores and pay bills completely not accumulating numerous debts or disputes. In XX/XX/XXXX we received a bill for a past due amount from XXXX. We contacted the company right away who stated theyd already sent It to collections and There is no further information on the account. RPM collections began calling daily to discuss payment. We disputed the claim as we have no paperwork showing what phone or device or time period this late fee is regarding. RPM resent a bill for past due amount with no further information. We have no idea what the late fee is for. RPM then stated it was a legitimate bill but could also not provide any information regarding what the late fee is for or how long theyve had it. We are being harassed for payment with no supporting documentation for a bill from a company we have had no business with for two years. We request to know what the late fee is connected to phone/ device, for what time period and where is their records for communication with us?

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 2015-05-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX credit bureaus ( XXXX, XXXX, and experian ) are improperly reporting my home line of credit under derogatory items. XXXX XXXX XXXX put it down as " collateral depreciation '' and the credit bureaus now put it under derogatory items and it lowers my fico score so I ca n't refinance my other properties. Hence, discriminating against the millions of consumers who had their home values drop, negatively affecting their overall ability to borrower at the best rates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I work XXXX in XXXX New York XXXX. With the new credit card readers, customers of XXXX Bank and First Niagara often find it confusing to use their bank/ATM card. XXXXFirst Niagara charges a fee to use a bank card as a debit card, but when a customer swipes their card, XXXX options appear, XXXX XXXX and XXXX XXXX. Customers naturally choose the XXXX XXXX option but find that at that point in the transaction, they can not use their cards a credit, and have to use them as a debit card and pay a fee. While many customers reverse course and hit the international XXXX option so the cay pay for their groceries without having to pay the bank a fee, many customers presumably in a hurry or just frustrated and confused, decide not to bother with swiping their card again and just choose to use the card as a debit and pay the bank a fee. Customers who do cancel their transactions and start over complain about this set up and often ask me " Why do I have hit international XXXX just to use credit, I am from the XXXX, that makes no sense ''. They say they have complained to their banks, to no avail, with the banks citing the stores card readers at fault, but they are the only bank 's whose card works like that, and customer have complained about similar experiences happening at other stores. I believe that First Niagara and XXXX intentionally set up their debit cards to work like this, so that they could confuse customers who otherwise would have not entered their pin and avoided the fee. If so they are defrauding consumers and engaging in a manipulative tactic in order to squeeze money out of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I had to file a bankruptcy back in XXXX because of a lose in my income. In XXXX I was contacted by Portfolio Recovery abut me owing them money. I sent them a certified letter in XXXX telling them I did not owe them a penny and to not contact me any way, shape or form in the future. Well, fast froward to XX/XX/XXXX and I was contacted twice by there office. I received a phone call earlier in The month and about a week ago I was sent a form saying that they decided not to try and collect this 10 year old debt. They listed on the form, XXXX, that this decision was made on XX/XX/XXXX, over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I would like to file a formal complaint against PayPal. On XX/XX/2020 I used their app, to receive money from a client, I am not a seller. This is a payment for services not for goods. However, this app could not make that distinction. I was not aware of the 21 day hold, apparently this is a PayPal policy that if you are a new customer. I called customer service so I can explain the nature of payment, no agent available. I paid an initial fee of {$3.00} for a {$100.00} payment but have to wait 21 days. It is now XX/XX/2020, hold is over. However, when I tried to transfer this money to my bank account, PayPal is charging another 1 %, or free but have to wait another 3 days. I was looking at the community posts and it seems to be that this is a " systematic '' problem with PayPal ; not able to distinguish between services and goods, charging initial fees, unreasonable hold of 21 days without prior notice before using their service, charging another 1 % when the hold is over and you want to transfer money same day, additional 3 days to get money for free, and no customer service agent available to talk to. I understand that their services are not free, I am willing to pay fees, but not for 21 day hold and additional 3 day hold. Please help us, there are so many of us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-05
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: Account status incorrect

Complaint:
XXXX XXXX XXXX, balance {$980.00}, not my account closed and removed from XXXX. I need it removed from Experian as well. 

XXXX & XXXX, balance {$6200.00}, account removed from XXXX and fully Closed. I need it removed from Experian as well.

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 2017-05-20
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Someone tried to break in to my apartment ... ... .told the management I did n't feel safe ... .. '' nothing we can do about it '' was their responds so I gave notice and moved ... ..never heard any more about it until I checked 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 explanation
Consumer complaint received 2022-01-25
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: Account information incorrect

Complaint:
The reporting credit bureaus make very difficult to submit documents by the web. I will have to send all documents by mail and wait a long time for a response. 
The credit bureaus should explore easy ways to satisfy consumer complaints including in person telephone representatives.

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 2020-11-22
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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 made a purchase of {$8.00} on XX/XX/03 with XXXX XXXX credit card. When I went back to website to pay my bill, they forwarded already paid balance of {$2.00} from previous purchase. I called customer service and talked to lady who said it'll soon be taken care of. I waited a week to went back to website to pay the amount but they instead of resolving the issue, added {$2.00} one more time. I called again and the guy told me ( in really lethargic way ) to pay my {$8.00} and the matter will be resolved and I would see {$0.00} balance on my card. I did what I was told, and lo and behold I got an email to pay the remaining {$5.00}.

The customer service is in my opinion based oversees and they seem not to understand the problem and when I asked to talk to supervisor there was no response. 
I got frustrated with the back and forth calls and want to resolve this issue, but as I see it, I'll end up paying the amount I don't even owe. 
Let 's see if this complaint will do anything and I won't have to pay this illegitimated amount. 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-05
Company: EQUIFAX, INC.
State: MO
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 being disputed is unknown and unauthorized by me. I'm asking for these following accounts to be removed from my credit file. 

1 ) XXXX XXXX {$1600.00} 2 ) XXXX XXXX {$170.00} 3 ) XXXX XXXX {$240.00} 4 ) XXXX XXXX XXXX {$110.00} 5 ) XXXX XXXX XXXX {$860.00} 6 ) XXXX {$47.00} 7 ) XXXX XXXX Account Info

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Capital Accounts, LLC
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 recently reviewed my credit report and would like to inform you of the inaccurate reporting on my credit file. I am requesting, under the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that this matter be investigated. Capital accounts LLC in the amount of XXXX this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax has refused to remove a name that does not belong to me and is not associated with me. On my credit report, a name I have never been known by or associated with, " XXXX XXXX XXXX '' appears. I have requested that it be removed, but my request has not been honoured.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX to Shellpoint which is serviced by NewRez. Newrez sent me a statement that my maturity date had been extended from previous XX/XX/XXXX to now XX/XX/XXXX. I question this because I didnt refinance and I have a fixed mortgage hence there should be no changes. If the mortgage company changes. I requested a copy of my amortization schedule from NewRez and they sent me the identical copy that I previously received from XXXX that states XX/XX/XXXX ( which was fine ). 
Yet, Shellpoint/NewRez reduced my mortgage payments and extended the maturity date XX/XX/XXXX ( without my permission ). My taxes increased so I dont see how my payments should be lowered if I didnt refinance? I requested a new amortization schedule and i have not yet received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
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 dont know this address 
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 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-08-05
Company: AMERICAN EXPRESS COMPANY
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: Old information reappears or never goes away

Complaint:
XXXX XXXX, XXXX XXXX XXXX, AMEX has reported incorrect account on my credit report. Accounts was removed but XXXX   and XXXX  unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX refused to file my dispute and advised I contact CFPB. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05
Company: AMERICAN PORTIFOLIO MORTGAGE
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Originally, my loan was being serviced by XXXX. I received a letter from XXXX dated XXXX XXXX, 2019 stating as of XX/XX/2019 our loan would transfer to XXXX. XXXX XXXX XXXX and I would receive information directly from them about the processing of my mortgage payments. 

As of XX/XX/2019 I had not heard from XXXX. XXXX. I began calling their offices, citing the letter from XXXX. On or about XX/XX/2019 I was escalated to a supervisor who informed my that my loan was sold again ( before any processing at XXXX. XXXX ) to American Portfolio Mortgage and I would receive additional information from them. 

On or about XX/XX/ 2019 I began calling American Portfolio Mortgage to locate my mortgage loan. I was advised repeatedly they would send a letter. I called about 2-3 times a week, seeking information on where to. I was told they did not have the loan and not to worry, there would be no late fees or issues once they did have the loan. 

On or about XX/XX/2019 I received a letter from American Portfolio Mortgage acknowledging my mortgage and providing an old loan number as well as a new loan number. The letter stated American Portfolio Mortgage would begin subservice on our mortgage under contractual agreement on XX/XX/2019. I called them and was advised it would take 10 business days for the loan to be entered. They provided a website I could check and that would allow me to set up my online account. 

I have called 9 times since that phone call, spoken to three supervisors ( two of which escalated and someone was suppose to call me back in 24 hours ). I have checked the website at least 3 times a week. My last call was today to a supervisor who advised she couldnt understand what was going on. 

To date ( despite paying into the escrow to cover these charges ) I have had to pay my house insurance premium and my property taxes out of pocket. My mortgage has now not been paid in 4 months because the account can not be locate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Apelles, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company Apelles is harassing me by calling my phone number for a debt that is not mine. The company continues to call asking for a person named XXXX XXXX. I am not XXXX XXXX. the phone number they are calling is not nor has it ever been XXXX XXXX 's. my name is XXXX XXXX. I have no idea who XXXX XXXX is. I have had the same phone number for over 20 years. I have called the company Apelles and told them that they have the wrong the number. They state that they will put it on their records and stop calling, however they keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I did not give any authorization for anyone to take money out of my account,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A rep calls everyday, reminding me of the medical debt. I let them know that I do not have it right now, they reply when you think you are going to have it. I let them know that I am unsure about the date when funds are available. They continue with we all have basis needs but I need to pay the debt right away. I explained that I am still seeking treatment for the issue and as soon as I get some money I will pay them off. The amount is {$75.00} to XXXX XXXX. I have paid {$25.00} since time of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX Bank clearly stated after I had applied for a credit card, that I would not be penalized nor a record report on my account after such application was denied.

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