BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022, I sent a letter to California Business Bureau to validate he debt that I allegedly owe. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am, undeniably, the party you are requesting to pay this debt. I am requesting validation of the date of alleged medical service, the name of the patient, and proof that there is some contractual obligation that is binding on me to pay this debt. 

Any agreement with your client that awards you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, concerning unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

California Business Bureau is not complying with their own policies in a timely manner.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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: Information belongs to someone else

Complaint:
XXXX was opened by fraudsters using my personal data on XX/XX/2021 in the amount of {$16000.00}. 

I have tried several times to resolve this matter with the credit bureaus and the creditor itself. They XXXX XXXX XXXX XXXX XXXX and tell me to either speak to another company or to take other steps that have bene already provided. 

I have sent government documents from the Federal Trade Commission. No effort was conducting in removing the fraudulent items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I downloaded XXXX XXXX XXXX and paid for the services and found four accounts that have been opened in my name that wasnt opened by me. My identity has been stolen and Im not sure what to about it. I know the person thats responsible for three of the accounts so what do I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
After my last complaint against XXXX XXXX, I was able to enter the Covid Relief Protection plan. The plan stated that I would have 90 days where I would not have to pay anything so that I could get back on track. After the 90 day mark was up, I would have to pay the original amount of the monthly payment each month, within a 30 day timeframe. 
In other words, once I started paying the loan back XXXX XXXX ) I would have between XX/XX/XXXX and XX/XX/XXXX, without consequence, to make the payment. If I continued to make the payment as instructed, I would be allowed to stay on the plan. The plan does not stipulate that I need to make a payment arrangement and it does not say that I need to pay for any amount of the loan that is already in delinquent status while on the program. 
In XXXX, I began making the payments as instructed. Each month after the payment was made, I began getting up to 10 calls a day telling me that I needed to enter into a payment arrangement. When I informed the agent that I was on the Covid Relief plan, I was told that even though I was I needed to enter a payment arrangement to 1. get the delinquent amount caught up and 2 to make sure that I am paying " on time '' or I will continue to get calls. I was not informed that the company would continue to mark my credit as 120 days or more past due.

When you read the guidelines of the Covid Relief plan on their website, this is in total disregard to what the plan actually stipulates. 
I need assistance with getting this corrected. I am doing the best that I can, yet I am still being harassed, and I am still suffering under this company.

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 2020-03-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
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:
Over a month ago I disputed multiple items on my chexsystems report. Chexsystems completed their investigation and was able to corroborate my compliant and removed the items in question from my report. They sent me a new report. 

Since then I went back to the credit unions to open my accounts that were previously denied me. Two of those credit unions were able to verify that while I may have a corrected chexsystems report, on their end when they pull the report the same information is still being reported though the chexsystems product named " Qualifile '' Today I was able to verify that information with a third credit union. The credit unions are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 

Chexsystems must completely update all of their systems so that the credit unions have the same information that they gave me in a new report on XX/XX/2020 and rescore me based on those changes.

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 2017-08-16
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Made payment on XX/XX/XXXX of {$42.00} of {$84.00} due ( minimum pymnt due {$27.00} ) on XX/XX/XXXX ( no minimum charge and no interest charge? ). {$2.00} Minimum Charge Fee added ( no interest added which states a minimum of {$2.00} in their agreement ) on XX/XX/XXXX closing date. Made another {$42.00} ( minimum pymnt due {$27.00} ) on XX/XX/XXXX due on XX/XX/XXXX. {$2.00} Minimum Charge Fee added on XX/XX/XXXX. Total due now is {$4.00}. Made {$4.00} payment on XX/XX/XXXX ( no interest fees ). {$2.00} Minimum Charge Fee added on XX/XX/XXXX? Payment was made before closing date. I feel like I will never get this card paid off with this game they are playing. I see nothing noted in their agreement about a {$2.00} Minimum Charge Fee. I never got charged interest rates and their minimum on that stated {$2.00}. I have since cancelled the card due to the constant charges even though it has been paid off since XX/XX/XXXX before their due date of XX/XX/XXXX and the closing date of XX/XX/XXXX. I feel they apply their interest rate minimum of {$2.00} as this Minimum Charge Fee so they can continue to charge it as long as their is a balance and you wo n't see it until the next statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17
Company: Coastal Settlement Recovery Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by a collections agency claiming to have purchased debts from XXXX, a company I have never signed up for or heard of. They claimed the charge was for some payment that didn't go through on my bank account 5 years ago and said they've been trying to get ahold of me. This is literally the first time I've heard of it ; they claim they've been sending mail to MY CHILDHOOD HOME ADDRESS, and are therefore " very disappointed ''. I asked why I was never told about this debt. They claimed the business who charged me would never have told me and there was no way for me to know ; they claimed it happened 5 years ago and they've attempted to mail my childhood home to tell me. Then, they went on to tell me the charge is for $ XXXX+. I've already paid my debts off around my life ; they are now telling me I have some ghost debt for $ XXXX+ of course, and when I went to the records to see the charge they claim spawned this whole thing " that I wouldn't have known of '', it was a receipt for {$15.00} on XX/XX/2016. 

I told them this is crazy ; I will not be paying $ XXXX+. The company is called Coastal Settlement Recovery or CSR for short, phone number XXXX Email address : secure@coastalsettlementrecovery.com coastalsettlementrecovery.com

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Ditech is the current XXXX mortgage holder after it was with Greentree after being at XXXX XXXX. For one I recently filed bankruptcy and the company wanted me to reaffirm the debt, but after reading paperwork they sent the courts the were unsure of my original interest rate and my initial request for modification with green tree disappeared. Then on the paperwork they stated that the loan was able to be discharged, and collateral did not secure the loan. I would like them to remove the lien and the loan because when I call back, the supervisor advised me that was an error by who processed it and just because they sent to federal bankruptcy court did not count. I feel this is fraudulent and they are deceitful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
review the following accounts that appear on my credit report, without authorization Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft DISCOVERBANK Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing LLCXXXX XXXX XXXX SD XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Acct. No. XXXXMy loan was transferred ( sold? ) to Green Tree on XXXX XXXX, and since that time I have had nothing but problems with Green Tree ... the main problem is that XXXX did not apply, or did not notify Gree Tree, of my XXXX XXXX payment ... XXXX XXXX XXXX has been involved and helping me with trying to work this out, but Green Tree seems to be totally unwilling ... 

I have sent XXXX my payment records to XXXX for the past year, which shows I DID NOT MISS ONE MONTH OF PAYMENTS and also SENT ADDITIONAL FUNDS SEVERAL TIMES DURING THE YEAR ... .I am attaching this once again. 

I am upset that my loan was sold and I now have to work with this company who is totally unwilling to do anything but demand XXXX PAYMENTS. I have told all of your reps my husband passed away 3 years ago, my income was cut in half, and I have only missed XXXX payment in those three years, and that was the month after he died, when his employer wiped out my checking account. 

I am willing to hire an attorney to help protect my home ... but do not see the need to. This is truly so frustrating. Please please have someone contact me. 

Sincerely, XXXX XXXX XXXX XXXXthis is a summary of my complaint with XXXX Tree..this is the most unbelievably frustrating situation, and they are not willing to help me, only threatening my credit and home..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I downloaded Experian XXXX XXXX and paid for the services and found four accounts that have been opened in my name that wasnt opened by me. My identity has been stolen and Im not sure what to about it. I know the person thats responsible for three of the accounts so what do I do?

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 2021-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Bank provided to your office misleading, false information and bold face lies in order to avoid their responsibility for violating my rights as a consumer, for crashing my credit score by recklessly disregarding and acting in spite of CARES Act. Capital One verbally manipulated me through different stall tactics to avoid my disputes claims, every time I complained, Capital One unethical bogus retaliated against, by taking adverse action, escalated my account into default status, adversely affecting my credit rating during COVID-19 pandemic my extreme financial hardship. Your office acted biased, prejudiced, by avoiding the truth, acted in favor of Capital One by closing my complaint based upon lies and false allegations made by the creditor. I am demanding to investigate my complaint based upon full records I'm forwarding now for your fair and objective review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have the XXXX card with the higher {$99.00} annual fee. I used my card on XX/XX/XXXX on a XXXX flight and have not received the 50 % and bonus points for in flight purchases.

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 2021-05-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am XXXX XXXX there is no third party involved. I am submitting this complaint on my behalf. I sent a letter about deleting my information, then putting it back on my credit file. They are in violation of 15 US Code 1681 ( i ) ( b ) ( ii ). I did not receive any notice in writing within the 5 business days after the date of the reinsertion. It was deleted then reinserted back the same day. Then I wrote a letter expressing how it was wrong to reinsert information on your credit file without notice. I never got a responds. Section 611 ( a ), it is expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 76 days so they need to deleted this promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: DE
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: Investigation took more than 30 days

Complaint:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 






XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 Experian XXXX XXXXL XXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2017-02-19
Company: ECMC GROUP, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently received a letter from this company demanding payment for an account I have no knowledge of.To my knowledge I have never done business with this company and they have never provided me any goods and or services.

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 2021-06-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX my account was blocked without notice from Citibank. At the time there was {$1000.00} in my account. Friday, XX/XX/XXXX my payroll was directly deposited into my account from my job. The total amount of the deposit was {$2700.00} ... at the time the balance in my account was {$3700.00} My account was still blocked and I was unable to access my money. I called the bank several times and was hung up on with the phrase " your account is under review and I can't talk to you! '' This went on for several weeks. 

I was unable to pay my XXXX rent due to my XXXX paycheck and other funds being held without cause. I went into the bank to get help and was told that my money was returned to my employer and I should ask them to reissue. 

As of XX/XX/XXXX XXXX  has confirmed that Citibank never sent my payroll + the {$1000.00} that was in my account. 

Due to this my credit cards were frozen until I provided an explanation for why my payments were returned. I was unable to buy groceries and pay my utilities. 

To date : XX/XX/2021 I still have not received my {$3700.00} that was stolen from account by the employees of Citibank. 

I am a small business owner and this has ruined my business for the Summer. I have lost so much money not being able to set up at the XXXX market with my organic products. This one gross act by the bank has costs me nearly {$20000.00} in revenue at the XXXX 's 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 2021-11-26
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT XXXX XXXX***-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is trying to said that I owe for an account that I don't.. I have reach out to this company and still nothing.. They sold the account to XXXX XXXX and Portfolio I have been going back and forth with these two companies, because I'm not paying a bill that I don't owe..I asked for proof and they sent me two bills months apart, so I ask them what is this.. These are two different bills from months apart. I was told that is what their client sent them, and that's all they had.. I'm like if you said that someone owe something you suppose to have concrete proof.. Some of the reps had gotten nasty telling me that I'm going to pay it.. I also received a disrespectful letter from the company. They wS reported to XXXX and the credit bureaus and they stated to me that they are not going to keep replying to my request and this will remain on my credit.. I'm tied of going back and forth with these people.. Something need to be done where these companies can't conduct business again, because you trying to get money from people that don't owe you.. This don't add up to what they are trying to do.. I refuse to allow them to get me like that.. My next step will be legal action, because they need to be shut down.. This is very frustrating.

Company response to consumer: Closed with explanation