BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from MED BUSI BUR that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to transunions, XXXX and XXXX and have not recieved updated information. Below is documention of the transaction. 

MED BUSI BUR Original creditor : XXXX XXXXXXXX XXXX Balance details 0 % of this account is paid off Balance {$72.00} Balance updated XX/XX/XXXX Original balance {$72.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. 
Comments Placed for collection Your statement - Contact info Name MEDICAL BUSINESS BUREAU Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: JPMORGAN CHASE & CO.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I'm getting repeat calls from a XXXX XXXX and now a XXXX XXXX claims that my XXXX XXXX XXXX has a vehicle loan in XXXX from XXXX My XXXX  has lived in Alabama since XX/XX/XXXX, and has no reason to go get a loan of any kind from XXXX Everything we own is in my name, my XXXX  has NO loans of any kind in his name. The first time they left a message back in XXXX I called them back they told me that he could pay over {$3000.00}, he stated we would get paperwork in the mail, paperwork has never came in. XXXX XX/XX/XXXX, I get another voice mail from a XXXX XXXX. Claim they have been hired to file a civil suit. I called my XXXX  told him to call them this time. He called, now they say he can settle for {$700.00}. The first call said the loan was with a XXXX XXXX, now they say it is Chase. My XXXX  told them to send paperwork, because we don't have no such loan. Each message tells us to call back at numbers XXXX or XXXX. What can we done to get these calls stopped. Thanks XXXX XXXX for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Paypal Holdings, Inc
State: ME
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:
In XXXX I purchased a Cricut maker with my PayPal XXXX XXXX card linked to my PayPal account for {$91.00}. What arrived in XXXX was a cheap pair of sunglasses. I tried to contact the company but their website was gone and their email bounced back. I contacted PayPal on XX/XX/XXXX and was told that this case would be resolved in 90 days. I was contacted in XXXX for clarification about whether I had spoken to the company who sold me this. I answered immediately. I was then told that the company had until XX/XX/XXXX to reply to PayPal. On XX/XX/XXXX I contacted PayPal and after much discussion was promised that the money would be in my account by the end of the day. I called back on XX/XX/XXXX. They said the money would be in my account by XX/XX/XXXX. I called today and they say it will be there tomorrow. I want my {$91.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In 2007, I was a victim of identity theft. As a result, the XXXX and the State of California XXXX XXXX XXXX charged that I owed them a tax debt, which I disputed. Before we reached a resolution, the XXXX and XXXX reported the tax liens to the XXXX credit bureaus, XXXX of which was Transunion. After several years of disputing the debt with the XXXX, and with the help of the XXXX, the XXXX conceded that I did not owe the debt, thus meaning that I did not owe monies to the XXXX either, and removed it from my tax file. However, Transunion has since refused to remove it from my credit report, despite multiple calls and visits to the local offices reporting the debt. I 've been trying for years to get Transunion to remove it, but because it 's the XXXX and State of California XXXX supposedly reporting it, Transunion does n't want to do it. I finally called the XXXX again and they confirmed that they have no record of the debt because it was removed, since I proved it was n't my debt. They recommended that I get the FTC involved to force Transunion to remove the tax lien history from my credit profile. Currently, there are several tax liens that show " paid/satisfied, '' but that implies that I owed the debt at XXXX time and paid it off, neither of which is true. Because the debt was never mine, any and all record of the tax liens should be stricken from my credit profile. As result of having those liens reported, although showing " satisfied, '' my credit scores are being severely affected and I 'm having to pay much higher interest rates and getting denied from necessary credit. I need your help in having all of the erroneous tax liens appearing on my credit report, both on the Federal and State level, to be removed once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: MA
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, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX Account name XXXX XXXX XXXX Account name XXXX & XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXXXXXX XXXX Account name XXXX XXXX Account name XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX Account name XXXXXXXX XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX  XXXX Account name XXXX XXXX Account Number : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions .

15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-02-15
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
The below information was also sent directly to American Express on XX/XX/XXXX. I have yet to receive a response from them. When I called a few weeks ago to check in, the agent said my paperwork was " lost '' but that they found my fax and were working on it. I have been very patient but felt it was now necessary to report this through the CFPB. 

-- -- -- -- -- On Monday, XX/XX/XXXX, I was informed about an offer to add authorized users to my Platinum card. I was informed by several agents both with Platinum Customer Service and New Accounts that adding authorized users would not result in a hard inquiry for myself or the authorized users. Therefore, I went ahead and added an authorized user to my account. 

Later in the week of XX/XX/XXXX, I was notified that I had received a hard credit inquiry on my XXXX account. I am not ware if the inquiry posted to other bureaus, but I have attached selected pages from my XXXX account as proof of the hard credit inquiry on XX/XX/XXXX. 

After learning about the hard inquiry, I contacted American Express on XX/XX/XXXX to understand the situation. Several agents again said they had never heard of hard inquiries resulting from adding authorized users. 

I am requesting that this hard inquiry be removed from my XXXX account as well as from the other two bureaus, if applicable. I was directly informed by multiple agents on recorded calls that adding authorized users would not result in a hard credit for either myself or my authorized users.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/21 I called Portfolio Recovery Associates at XXXX as advised on their website to negotiate a settlement amount for a one time payment. I owe {$580.00}. The representative advised she was recording the call. I offered to make a one time payment of {$300.00} to settle and close the account. The representative accepted the offer. I then gave her my bank routing number and account number. She could not get the transaction to go through and asked me to repeat my banking information several times, which I did over the course of the 18 minute conversation. There is nothing wrong with my bank account so this is an error on her end. She eventually hung up on me. I called the same number back immediately and explained what happened. The new representative I spoke with said there was no record of the call or notes in the account about a {$300.00} settlement offer. She said they wouldn't have been able to offer me such a low amount anyways. She claimed there is no way for a representative to delete a call log. I am extremely concerned that I gave my banking information to one of their representatives repeatedly and they have no record of an 18 minute phone call.

Attached to this complaint is a screenshot from my cell phone showing the original call at XXXX on XX/XX/21 for 18 minutes, and then the 2nd call at XXXX on XX/XX/21 for 22 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: FC HoldCo LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in agreed settled amount. With stipulation written if cashed! Flagship offered me an installment payment plan over 12 months to pay off debt. I paid the {$4000.00} agreed amount in one payment. Written on check if cashed flagship is agreeing to remove from my credit reports! Flagship has had the opportunity to return the check to sender, and the opportunity to notify me via email or by phone to let me know they were not agreeing to the terms written on the check! Flagship credit acceptance LLC cashed my check knowing my expectations! I dont see if I fulfilled what they asked of my why they shouldnt be obligations of the stipulations of cashing my check!

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 2021-03-15
Company: PLANET HOME LENDING, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted Planet Home Lending on XX/XX/2020 to discuss a forbearance. I was told that I did qualify for a XXXX forbearance under the CARES act and to follow up in XXXX. They said they would also send a letter about the forbearance which they never did. When I called back in XXXX, they said that my mortgage was sold. In the meantime, when I again called and asked why they were reporting my mortgage as past due to the credit reporting agencies they said because that is how they report it. Again, I requested the letter regarding my forbearance as well as my taxes for 2020, both of which I still have not received. 

Today, I called my new lender who claims to have no knowledge of my request for forbearance to Planet Home Lending. They have been wrongfully reporting this to the credit agencies for months now when I was told I qualified on XXXX/XXXX/202 and there was nothing further for me to do. 

I can not get any further information from the company or my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: BBVA FINANCIAL CORPORATION
State: ND
Product: Credit card
Issue: Payoff process

Complaint:
). My work requires credit verification at times to gain employment for security reasons. The law at the time of XXXX to XXXX allowed any potential employer to conduct credit reports, and each time this occurrs the possibility of my credit score being affected adversely. So, I knew this was vital to my future success and would hurt my personal financial productivity. My creditworthiness was placed in extra focus ( XXXX ) because of the Small Business Administration ( SBA ) services I was using. I got my credit report annually. Especially in XXXX and XXXX to disprove the claim made by COMPASS BANK - CREDIT CARD XXXX XXXX AL XXXX, phone number ( XXXX ) XXXX, partial account number XXXX ...., dated XXXX of 30-day late payment made via a bankdraft. I was told there is no proof of payment, the mark on my credit report will not be removed, and file a complaint. 
In the upload your CFPB service provides. I have documents of this matter to you for the years XXXX to XXXX in chorological order. You will find all proof of payments via the Federal Reserve Bank Check Image Retrieval showing when the funds arrived at BBVA Compass. Some of them are stamped 'VOID '. Why was n't the Credit Card ACT followed by BBVA in this matter? I would like to get back the money charged to me for late fees during this time. In XXXX XXXX I inquired about this account concerning an error on my bill. BBVA Compass Bank would not talk about the details of the matter at hand or the account 's history. I followed up with a letter dated XXXX XXXX, XXXX. This was in reply to the XXXX XXXX, XXXX letter sent to me. At this point in time had ten cycles of six months minimum payments made to request the APR to be removed from this status so I can pay off this debt. I was never over 60 day past due. Please look at XXXX action taken by BBVA, the XXXX Credit Reports dated XXXX XXXX and XXXX XXXX, XXXX for the XXXX and compare it to the XXXX Credit Reports dated XXXX XXXX, XXXX and XXXX XXXX, XXXX for the XXXX period. They are different. The later reports ( XXXX and XXXX ) were used by them to justify the action. My case never went into debt collection. I was receiving updated credit cards during the years, and I had purchasing rights see XXXX XXXX billing statement. Please evaluate my case in regards to the Credit Card ACT and FEDERAL RESERVE SYSTEM 12 CFR Part 226 [ Regulation Z ; Docket No. R-1370 ] See 226.9 ( h ) ( 2 ) ( i ), ( h ) ( 3 ) ( ii ) .Truth in Lending Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: NC
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 founded account on my credit report not mine I never open

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 2018-02-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi there, XX/XX/XXXX I got an automated e-mail from Coinbase asking to follow a link to give additional information about myself. The massage was advising me if I do not comply with their request till XX/XX/XXXX my account would be frozen. 
Never the less they froze my account the same day XX/XX/XXXX? 
The provided link worked only within several days, but I could provide the information before the limit date. 
Since than XX/XX/XXXX, may account is frozen. I haven't access to it at all. I even can not see if my funds are still there. I got an answer from the customer only XX/XX/XXXX that they forward my issue to a superviser who will check my account. 15 days have past, nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
BJ 's issued a credit card unbeknownst to me. I went in person to BJ 's in XX/XX/2022 to tell them I was NOT renewing my membership for {$55.00}. I then got a bill for {$55.00} on a MasterCard that I never asked for. I went back to BJ 's in person to ask that the {$55.00} charge be removed and to close my credit card. The lady with whom I spoke said she would take care of it - clearly, she did not. I've been back and forth between BJ 's and Comenity Capital Bank all this time now with NO resolution. I've sent Comenity CB a letter via mail and BJ 's an email. I did see that Comenity CB has a lawsuit pending since XX/XX/2022 regarding credit card usage. All I'm asking for is that all the late fees/charges now totaling {$110.00} go away and that Comenity CB closes my credit card. This card was issued fraudulently as I was totally unaware it even existed. Thank you for your assistance in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I assumed the mortgage of my late husband. The mortgage company is refusing to give me information I am asking for, allow online access to the mortgage documents, and allow online access to make payments. According to the law, when I assumed legal liability for the mortgage, I have all the same rights, privileges, and responsibilities my late husband had. Since he had the ability to pay online and view documents, thise rights convey to me as the assuming mortgagor as if I were the original mortgagor. I have paid this mortgage dutifully since my husband died almost a year ago, and now that I have assumed the mortgage, they are making it difficult for me to pay or access information and documents that I signed along with my husband on closing day. They are refusing to send paper statements to me, because my husband opted for electronic statements, but won't send them to me or allow me access to them online. I feel as if the company wants to pressure me to refinance into a more expensive, higher interest loan to make more money because of the rise in interest rates and the slump in new home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: CT
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 number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Loan # XXXX Account number XXXX Account number XXXX Account number XXXX Account number XXXX Has violated my Rights 15 U.S.C section 602 A States I have a right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Date : XX/XX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XX/XX/XXXX Please update my personal number to my credit profile XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, HOMESTEAD, FL XXXX - REPORTED XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXXI have also please delete not my address included the following minimum XXXX proofs of my current mailing address Sincerely, Name : XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: JPMORGAN CHASE & CO.
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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : JPMCB CARD XXXX Date Opened : XX/XX/2017 Balance : {$7000.00}

Company response to consumer: Closed with explanation