BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-18
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This involves a fraudulent sale ( scam ) enabled by XXXX. It is not a valid debt and a complaint has been filed with the Police and CFPB # XXXX. 

My dispute stems from a sale of merchandise through XXXX  ; two very expensive speakers were sold to a person using XXXX  ; this person paid for them using his credit card and XXXX. He then arranged for XXXX to ship them from my location in XXXX. 
They were allowed to ship shortly after the payment cleared XXXX ; the full sales price of {$1600.00} was paid on XX/XX/XXXX. The funds were held by XXXX until XX/XX/XXXX, at which time the funds were released to me. I then released the merchandise to the Buyer who then transported the speakers to XXXX XXXX and subsequently out of the country. 
Approximately two months later, Buyer filed a claim with XXXX claiming speakers were damaged in shipping ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ). Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition. XXXX notified me of this claim on or about XX/XX/XXXX and requested documentation that could be used to refute the claim. Documentation was sent immediately. On XX/XX/XXXX, XXXX informed me that the Buyers bank/ credit card company had sided with Buyer and my XXXX account was now " negative '' and to immediately add funds to cover the negative balance. I had heard nothing, nor been notified of any ongoing discussion. On XX/XX/XXXX, I spoke to the XXXX Resolution department ; they agreed the merchandise needed to be returned. On XX/XX/XXXX, the XXXX collection department called demanding payment and to deny me any further assistance from them. On XX/XX/XXXX, I called XXXX collection and was transferred to the Dispute Department after thirty minutes on hold the call was terminated ; no one answered in the Dispute Department. 
The merchandise remains in Buyers possession as of this date, XX/XX/XXXX. Buyer is non-responsive and refuses to return merchandise. XXXX refuses to either pursue a remedy with, or release the name of the institution used by Buyer. XXXX, acting in bad-faith, has apparently washed its hands of this matter. 
Lastly, I believe this transaction is a scam. The XXXX purchase was without negotiation, in fact, Buyer was offered a {$100.00} discount because of a supposed " double sales tax, '' issue, which Buyer ignored, completing the sale at full price. I have attached photos of the speakers both with and without grills for your information. 
Additionally, I have filed a Police Report regarding this fraudulent sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Real Time Group, 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 status incorrect

Complaint:
Per the attached credit report, Real Time Resolutions is claiming that the debt is an active trade line. In order to be an active trade line, ownership rights need to be proven per the FCRA 15 USC 1681. Based on the prior documentation issued by your firm, only servicing rights exist. The alleged debt on the credit report is also subject to foreclosure action from 2018, which means the debt should listed as charged off. Moreover, RTR never filed a claim on the foreclosure funds available post first lien claim. Such action makes the gross amount reported erroneous. Per the FCRA 15 USC1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. 
Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all credit trade line be eliminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hunter Warfield is attempting to collect on behalf of a rental management company. I disputed this with their lawyer, XXXX XXXX, and we have a settlement showing I do not owe anything and they must immediately stop collections and reporting, yet they have not. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I AM XXXX YR. OLD WIDOW, HAD A MORTGAGE W/XXXX XXXX, I TRIED FOR TWO YEARS NOW TO SETTLE THIS AND THEY WILL NOT WORK W/ME I HAVE HIRED LAWYERS, & IT HAS BEEN COSTLY XXXX SOLD THIS MORTG. TO SLS, AND STILL CAN NOT SETTLE, THEY HAVE JUST PUT MY HOME IN FORECLOSURE, AND I CAN NOT AFFORD TO LOOSE MY HOME AT THIS POINT IN MY LIFE. 
PLEASE HELP ME.

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 2017-03-06
Company: National Enterprise Systems, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They call 5 times a day and do not leave messages and when the phone is answered the do not say anything. This happens everyday for the past year or two.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
A third party calling on behalf of Bank of America continues to call my mobile phone even after numerous denials of consent to do so. The third party has left multiple voicemail messages with statements insinuating foreclosure activity even though my account is still within the grace period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I wrote Equifax disputing an unverified/inaccurate account on my credit profile which they verified as accurate on XX/XX/2021. I attached a copy of XXXX reporting the same inaccurate/unverified account which they deleted. On XX/XX/2021, I wrote a dispute letter to Equifax to show me proof of verification of the inaccurate account. To this day I haven't received anything from Equifax. 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 that you post on a credit report. At this point I feel like I'm being joked around with and being taken advantage of. I have been trying to get this inaccurate account off my credit report for 7 months in counting! This account must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX I found an unfamiliar XXXX Wireless account on my credit file, I contacted XXXX to discuss in further details but they stated by law they can no longer can discuss the account because it was sold. I contacted the company it was sold to - Jefferson Capital System - the company the debt was sold to and they forwarded me XXXX. On XXXX/XXXX/2015 I spoke with a rep from that collection agency ( working on behalf of Jefferson Capital System ). I 'm not sure what XXXX is charging me for. I had a phone with them but returned it in three days after signing up because I realized that I could not afford it. First XXXX XXXX XXXX said they have no details about this account. Jefferson Capital System did n't provide details but they are only responsible to collect payments. XXXX said they have no details and Jefferson Capital System directed me back XXXX. If no one can provide me details about this account and the charges, why am I responsible to make a payment? This is unfair and does n't make any sense to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I first seen a late payment reported on my report late XXXX of 2021. A credit card payment from XXXX XXXX XXXX reported as late. Days prior that I made the payment as usual on the date and time that it was due. I went into a XXXX XXXX XXXX and spoke with a representative about the payment reporting on my credit as late when it wasn't. The rep said I had no late payments and I need to contact the bureaus about the incorrect information. I called the bureaus and advised about it which they concluded I needed to send a dispute letter via mail. On XX/XX/2021 I sent them a copy of the bank stating that I didn't have a late payment reporting on their end. I called a many times and had a hard time getting a hold of someone and if I did I was disconnected or hung up on by the bureaus. A month after no updates, I sent another letter after having another late payment report for both XXXX and XXXX. The 2nd letter I sent express and the bureaus still till this day say they haven't gotten anything from me. I'm tired of being patient for them to remove the 2 lates that the bank says are NOT late, off of my report. I need help please I don't know who I can speak with about this matter at this point. I understand bureaus are busy and may make mistakes but I do not want false information reporting to my report!! It should be against the law to have no say in false info on something as vital as my credit report! I'm burnt out please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX, my husband and I financed a custom computer from a company called XXXX XXXX for the cost of {$4500.00}. We used a third-party company called Affirm to finance the purchase, making payments of {$190.00} over the course of 3 years, totaling {$6900.00}. Months go by as we continue to make our monthly payment, and we never received any update as to when our computer would even be built. I would reach out to them via social media and on their main platform, XXXX and would get told that they are still waiting to build my computer. XXXX XXXX  ' agreement stated they would notify me 1 week, 1 day, and the day of my computer being built. This never happened, and XXXXXXXX XXXX ceased business near the beginning of XXXX, XXXX, so we reached out to Affirm to get the return we deserve, and started a dispute on the purchase on XX/XX/XXXX. Affirm 's policy states, " In an event where a business shuts down before delivering the product, Affirm would be obligated to fully refund all consumers who have financed a purchase with that business. '' They have asked for proof of purchase, proof that we have reached out to XXXXXXXX XXXX  to try and resolve the issue, proof that we never received a product, proof of my order number, and anything else that would support my claim. I sent Affirm everything I could obtain that they requested, to which they explained that they had to send the dispute to, " the higher ups '' on XX/XX/XXXX, after spending days providing all of the evidence requested. Nearly two months later, I contacted a lawyer who informed me to request an update within 72 hours. Affirm told me that they couldn't provide the refund since the order was processed in XXXX, XXXX. I then explained that the first piece of evidence I sent to them, was a screenshot taken on XX/XX/XXXX, of my order from Artesian Builds stating, " Order # XXXX  was placed on XX/XX/XXXX and is currently Processing. '' I called Affirm to speak with someone about the issue, and spoke to a supervisor who assured me they sent it back as " full contest '', and that they would get back to me after reviewing my case even more. I am waiting on a response, to which I believe will not be handled sufficiently, or within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
bank of america gold option account has overcharged me for seven years as if I were a month late and tacked on upwards of XXXX dollars worth of fees that were misrepresented and not understandable by the statements I received. I also asked them to mail all statements and they only sent from XXXX instead missing at least XXXX statements so I have no way of telling how much they originally charged me on this loan and what the fees were. Ihave paid on time for over seven years and have bank account statement proof but they have informed me they plan to close the account as soon as is paid and this is going to ruin my credit score. also I believe I have overpaid but they are still billing me over XXXX dollars. I have gotten no help from calling as no one can tell me why the late charges are there as they can see I was never late or what those fees are. They also can not tell me where the first XXXX bills are or what the initial terms or agreement of the loan was or what the initial amount loaned was and what their initial fee was. I have paid XXXX on this loan. Customer service ranges from trying to be helpful, but having no knowledge of the account to being extremely sarcastic rude and unhelpful. This has caused a great deal of harm to me financially and otherwise. I really need help at this point because I need this to stop asap or I am going to go under. current fico score was XXXX but have had to apply for new credit so I know its all about to snowball.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: U.S. BANCORP
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Received a hair treatment Olaplex and Flat Iron on XX/XX/XXXX. However, the stylist used a wax which made my hair turn stiff as opposed to flow with body and volume. I called the next day on a Monday to inquire about this issue. I was informed the person whom was available to do my hair was leaving within two hours. I was unable to make it there within that time frame. Shortly after this I had symptoms of XXXX and quarantined myself for several days. Yes, I experienced other life issues which detained me. I went to the store XXXX and spoke with XXXX the general store manager to explain the above. Meanwhile, the next day the salon manager explained to me the stylist that did my hair is no longer with company and unable to redo The salon manageXXXX explained to me that their employees do not work without a commission, and I would need to pay for the new stylist. My response Is it my fault the stylist is no longer there. I said this will not work. I wanted to speak with XXXX but, I realized it would be redundant as I spoke with her initially. The salon manager hung up without saying bye. From the conversation it was evident she was not interested So if I will need to pay for the new stylist to correct my error. I need to have my previous service refunded because of the error in the result of my hair. The error was verified via the stylist and it was to be redone initially the next day but I could not make it there within the two hours given. With COVID guidelines I want to make sure that I am not passing on any symptoms and possibly virus to the public and I was in quarantine. It does not seem fair that I was not able to make it there accordingly and now I need to pay for a new stylist due to an error by your employee and I am being accountable for the redo at my own expense regardless to the fact my hair was UNSATISFACTORY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Resurgent Capital Services L.P.
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: Problem with personal statement of dispute

Complaint:
Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
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: Account status incorrect

Complaint:
Per the attached credit report, XXXX XXXX XXXX is claiming that the debt is an active trade line. In order to be an active trade line, ownership rights need to be proven per the FCRA 15 USC 1681. Based on the prior documentation issued by your firm, only servicing rights exist. The alleged debt on the credit report is also subject to foreclosure action from 2018, which means the debt should listed as charged off. Moreover, XXXX never filed a claim on the foreclosure funds available post first lien claim. Such action makes the gross amount reported erroneous. Per the FCRA 15 USC1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. 
Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all credit trade line be eliminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
i give the compleint of the bank of america because i have submited several aplications for credit and well reject because litelle information from the credit report y when opened secured credi card upon {$600.00} gave musta must a month i cosed the credit card of card secured by one payment {$500.00} dollrs wich was not doneand have resolved nothing fraude department of the bank of america no resoveld and my debit the charged to my name the account was opened XXXX XXXX XXXX and the BANKAMERICARDwich resolved anything

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXX OF XXXX XXXX Amount : XXXX XXXX OF XXXX XXXX XXXX : {$5600.00} XXXX OF XXXX XXXX Amount : {$1600.00} XXXX OF XXXX XXXX Amount : {$2300.00} The above accounts reporting on Transition is reflecting a completely different account number on XXXX and XXXX : XXXX PER the FCRA XXXX this is inaccurate reporting and needs to be removed. Why is Transunion stating a different account number? 

After your investigation is complete, please send me the results via mail. 

Thank you in advance, Best Regards,

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