BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: Affirm Holdings, Inc
State: OH
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:
A Company by the name of Affirm has my email address and cell phone number. They call everyday stating I owe an amount of {$130.00}. Someone at the company stated it would be turned over to the investigator to look into the matter. Every time they call me, I state I did not open an account with your company. As early as today, someone from the company stated well it's in your name and you are responsible to pay this bill it is 30 days overdue. I stated I will not be paying this bill because I did not open the account to begin with. He stated it's your name and email, you will be held responsible for the bill. I asked the guy would he like to have this conversation with my attorney because I did not open an account with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid debts in exchange for deletion off my credit file. Debt collection company is still reporting on my credit report voiding our recorded verbal and written agreement .I have disputed numerous of times and will seek legal action against all parties at fault

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was doing a refinance on my home. A family member told me cash call was giving a 3.25 interest rate. So I call. I go through the whole process and even got the paper work notarized. I though it was a dont deal. Boy was I wrong they call me yesterday and told they will not finance my loan. The reasoning was that they couldnt sale any of the loans they had at this time because people arent buying them. This just blew me away how they could back out of a signed contract like this. Is there anything I can do? Is this my problem or cash calls?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Netspend Corporation
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I filed my taxes with liberty tax in XXXX XXXX Virginia on XX/XX/XXXX. 
I activated my card but when my money was sent to the card Netspend had a block on my account, claiming I was ineligible for a Netspend Card. Nobody could tell me why or how I could receive my money. Finally a woman told me when my account closes on XX/XX/XXXX Netspend was mailing me a check for my refund amount. Its XX/XX/XXXX & They cant account for my money nor do they know where it is. XXXX XXXX has called them & they gave her the run around also. I have XXXX Children, we were struggling & have been since XXXX. My XXXX XXXX old son passed away, because we were struggling so terrible we couldnt even pay for a funeral. He had to be cremated, which my mother paid for. The point is Ive been begging these people for months on end, even not so nicely I feel like Im never going to see my refund, that well struggle getting back into a home forever. 
My name is XXXX XXXX, my social is XXXX My XXXX is XX/XX/XXXX The address Netspend has on file is XXXX XXXX XXXX XXXX , XXXX XXXX VA ; which they wouldnt let me change when I tried to because Im not eligible for an account my new address is XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX has permissions to send you all of the information I need. Copies, when I filed, the amount owed. Im not even sure what you guys do but I need help. 
XXXX XXXX phone number is 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 2019-11-07
Company: EQUIFAX, INC.
State: LA
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:
THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THE AGENCY HAS ALLOWED THIS TO STAY ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I had a car in XX/XX/XXXX it was total out XX/XX/XXXX charged off XXXX but reappear XXXX. I got XXXX XXXX filed a dispute with trans union never resolved then I gor another car charged off XXXX reappeared same thing filed a dispute never resolved

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 2022-04-14
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: Account status incorrect

Complaint:
I have credit card balance thats incorrect and credit cards thats was closed with no balance showing up with a balance. Information that was supposed to be removed still on there for get it now. Bankruptcy that was supposed to be removed still popping up. XXXX account that was removed now back on my credit report. Credit scores keep going down after Ive did credit repair and talked to consumer.

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 2017-03-13
Company: DHI Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I purchased a home to be built at XXXX XXXX, XXXX XXXX, FL by XXXX XXXX XXXX. They recommended their mortgage company, DHI Mortgage to process my application for a VA mortgage. It is over 5 months, and they are still requesting documents, many of which have already been given to them. When I objected and wanted to know when this would be finalized, I got an email telling me they were closing out the application and will send the documents I gave them to whomever I choose to write the loan. The house will be completed in 2 weeks. I will have to rent a place until for at least 30 days when the new loan can be finalized. Very unprofessional.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I applied for a bank of america business checking account and was initially approved provided sufficient documentation of the business and received a business debit card and online banking access as o f  XX/XX/XXXX .   No activity occurred other than an initial {$25.00} deposit. Today  X/XX/2017    I could not activate the card and was today the account was terminated for no reason. They did not disclose this information to me legally the representative was rude and provided no additional information. This should be against the law to terminate good standing accounts and waste peoples time with an already burdensome application process ( i would have applied elsewher e ). Plea se enact a federal regulation overseeing the closure of these accounts, many people are having their money with much large deposits being stolen by Bank of America. To call them names and ridicule them does not due them or myself justice instead take control of these banks and enact legislation that will regulate these unjust activities OR sue them and give us our money and time back. I am a  XXXX   XXXX   XXXX  patient and they just took more time off the remaining life that i have. What pieces of garbage!

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 2021-10-27
Company: Experian Information Solutions Inc.
State: TX
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:
Claim ID case # XXXX with Experian representative. Disputed inaccurate credit report data reporting. I have disputed multiple times within the app and online with Experian website to correct data since XXXX. Experian website credit report pulled on XX/XX/1921 Report # XXXX showing multiple accounts with XXXX for the month of XXXX or CO with the month of XXXX. These accounts were settled in XXXX. I have mailed off proof of receipts and payments in XXXX. These accounts were closed by the original creditors years prior. XXXX, XXXX, XXXX and XXXX. When calling into Experian they claim those do not show XXXX or XXXX but rather accounts are closed and settled. The credit report pulled same day as phone conversation with employee do not match 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 2019-11-07
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRANSFINANCIAL was notified that this is not my debt. despite my request to prove to me that I owe them this money and their failure to proved this documentation, they have falsely reported this information to the credit reporting agencies. This needs to be removed from all bureaus immediately failure to comply will result in my seeking legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I filed a dispute with the reporting agencies, there are hard inquires on my report that I did not authorize, I requested them to be taken off and removed or to show e proof of my consent and they denied to remove or provided proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Windham Professionals, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am still having difficulty dealing with and securing information from Windham Professionals located at XXXX XXXX XXXX, XXXX, MA XXXX regarding a XXXX  credit card charge off. I have called Windham on several occasions to request information I am entitled to under both federal and state law with no success. This is my second complaint because the last answer received from Windham did not address my main concern in my first complaint : VERIFY THE DEBT AND PROVIDE AN ACCURATE BREAKDOWN OF THE AMOUNT THEY ARE SEEKING! They simply stated that hey have provided verifications they received from the debtor. I have received the following in the mail from Windham in my plethora of attempts to understand the amount they are seeking : 1. A billing statement from XX/XX/2019 2. A billing statement from XXXX of 2019 3. A billing statement from XX/XX/2019 These three random statements do not provide a breakdown of fees, interest, and principal balance ( or any other fees ). Windham has also NOT provided the credit card agreement, any documents that bear my signature, and other assistance I have requested. There is no way possible for me, the consumer, to breakdown the figure of {$3200.00} to determine the validity of the amount. 

I am requesting, once again, a complete and accurate breakdown of this amount. It is clearly apparent that Windham and their associates do not have this information in their possession. I am the individual consumer and I am at a huge disadvantage to solve this problem. 

I will be contacting U.S. Senator XXXX 's office in the morning to seek her assistance on this matter. Windham 's last response was farce. This glib response was not only tolerated by the CPFB, but the compliant was closed out? Unacceptable and shameful.

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 2020-04-01
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2017, I lost my job due to a situation at my now former workplace. I fell behind on some bills, including credit cards. I have been receiving numerous calls from different numbers that turned out to be Midland Funding LLC. I even sent a letter to Midland, about their unwelcome calls, but never got response. This financial hardship I have been experiencing, along with the frequent calls from Midland, has had my anxiety skyrocketed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for and received a payment deferral at the beginning of COVID. After 2 months I contacted them and told them I was ready to resume making payments. They told me They would send me a payment deferral agreement in the next couple of weeks that I needed to sign. They told me I could go ahead and start making payments. 
I have been making my payments for the last 6 months and still have not received the payment deferral agreement. I call US Bank regularly to see what is happening and I get a different answer every time. 
I am trying to refinance my home and I am not able to do it because it shows my account in Suspense and does not show any of the {$17000.00} in payments I have made. 
The refinance will save me about {$800.00} a month. So far not being able to do it has cost me around {$4800.00}. 
I have not even been able to confirm the payment deferral agreement is being worked on. 
Can you 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 non-monetary relief
Consumer complaint received 2021-10-27
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern : I mailed out a mail certified debt validation letter to Southwest Collections on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. Southwest responded with another collection statement, no other details or proof of validation on XX/XX/21. They continue to contact me and send me statements ignoring my concern. The three bureaus said it was accurate/updated but not one bureau truly investigated my case. I have not seen or received any validation of this debt. I do not have a heavy list of creditors, nor do I apply for credit cards. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: GLA Collection Company, Inc.
State: KY
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:
GLA Collection Company, XXXX XXXX XXXX, XXXX, KY XXXX A Medical dispute for XXXX and was paid to this company-for XXXX XXXX XXXX. 
I have disputed it about six months ago and XXXX  will not remove this from my credit report as of XX/XX/XXXX. It was taken off of my XXXX  and XXXX  credit reports. 
Also, my bill is {$460.00} and was paid off during the XXXX  breach which I was a part of. 
XXXX, XXXX XXXX  to XXXX XXXX EST Mon-Friday.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
1. The unauthorized Transactions, from Bank of America debit and two credit cards, have been done by same account and with the same day. 
2. We have called about the fraud during processing and the bank take very long time to make the process.

3. The fraud on our first credit card has been solved but on the second one got rejected, which does not make any sense as they have been done through the same way and situations.

4. For security purpose, usually the bank call the customer when a large amount of transaction is transferred and they did not. This regarding the {$6700.00} ( the unsolved one ) - posted XX/XX/XXXX. 
5. The bank is saying that the unresolved fraud claim is coming from an authorized device, but gave 0 explication beyond that. We believe that we are being unfairly treated as we have not performed said transaction.

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 2017-12-31
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon checking and verifying my credit reports, I discovered XXXX XXXX XXXX XXXX reported a new collection on all reports PF {$27.00}. I have never receievd written or verbal communication concerning this debt. When attempting to contact the debt collector using the phone number provided on my report, ( XXXX ) XXXX, it stated the number was invalid. Additionally, I am allowed under HIPAA to protect my privacy and medical records from third parties and I did not authorize XXXX XXXX XXXX to release my information to FINANCIAL DATA SYSTEMS.

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 2022-04-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account numbers : XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX have violated my rights.

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-10-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I closed my Paypal account. They owe me XXXX and change, it has been over 8 months. I have waited for the refund check, which they claim to have sent 3 times. It has not come. No matter what I say, there are excuses, like the address was wrong ( which it wasn't ), anything. I'm tired of their excuses. How many seniors are they not refunding?

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