BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone Used my personal Information to commit Fraudulent Activity 's on my Credit I don't no how they did it but theses Accounts was not open by me i did not give anyone consent to open these accounts

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 2020-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone Used my personal Information to commit Fraudulent Activity 's on my Credit I don't no how they did it but theses Accounts was not open by me i did not give anyone consent to open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recieved an escrow review notice that increased my payment by over {$1100.00} per month. The mortgage company is trying to escrow for over {$6000.00} for insurance and they refuse to adjust the amount, waive the insurance cost, or eliminate the escrow portion of my account. The actual cost of my homeowners insurance for the property is around {$600.00}. 

Please help. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: DISCOVER BANK
State: FL
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 # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: BARCLAYS BANK DELAWARE
State: MO
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:
My statement closed on XX/XX/2022. Barclays stated that my rewards of {$41.00} were redeemed and sent to my XXXX  XXXX XXXX personal checking account. As of today, XX/XX/2022 no funds have been received and Barclays has refused to interact with me regarding this and are completely disregarding my concerns. They are illegally holding my rewards and are refusing to provide proof that my rewards were sent to my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: IL
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 am not responsible for this account. I have never done business with 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 2020-09-29
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My Paypal account was hacked and experienced significant fraudulent activity on XX/XX/2020. They stole roughly {$800.00} from my bank account, and after removing my account information from the site, they are still showing I owe an additional {$290.00}, which is now preventing me from closing my account all together. I have called numerous times to numerous different phone lines and have not received any assistance with the matter. I have emailed, sent messages etc. Paypal has no accurate way of contacting them. I am desperate to close this account as I am still experiencing fraudulent activity. I would like to reach them and take whatever steps necessary to close this out for good and prevent being sent to collections for money owed that was fraudulent in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In mid XXXX of XXXX, I received a debt collection letter dated XX/XX/2022 from United Collection Bureau XXXX Inc. in the amount of {$6600.00}. The letter listed my name incorrectly. The letter listed a creditor and the final amount owed, with options to pay the debt. In an attempt to have the debt validated, I mailed United Collection Bureau , Inc. a letter on XX/XX/2022, asking them to provide information validating the debt in question. In response, on XX/XX/2022, I received a 3 page letter ( dated XX/XX/2022 ) from United Collection Bureau , Inc. listing my medical records down to medications and procedures, which I know is a violation of HIPAA regulations. I never gave any consent to United Collection Bureau , Inc. nor signed any HIPAA forms authorizing said company to access this sensitive information. I'm filing a complaint with HIPAA and would ask that United Collection Bureau , Inc. and the creditor delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Financial Credit Service, Inc.
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call today stating that I had paperwork filed against me about a case and I needed to return the call right away. I returned the call and was told it was for a {$400.00} loan that I got in 2011. I told the lady that I do not remember receiving a loan 5 years ago and she immediately became defensive saying that just because I do n't remember it does n't mean that I do n't have to pay for it. I then asked her why I had n't received anything in the past 5 years asking for me to repay this and she said that they had called, emailed and mailed me about this loan and I said that I have n't received anything and she told me that I most certainly had. I then asked her if I returned the 1 phone call to them today, why would n't I have acknowledged this supposed loan and responded to calls and whatnot before now and she just kept on going about how I had to pay this, they were suing me and there would be {$3100.00} in lawyer fees, {$2500.00} in their fees plus the {$700.00} and some odd dollars that I originally owed. I asked her to send me a validation of debt letter and she said it was way too late for that and her company does not send those types of letters. She then became rude and talking over me, so I called her a XXXX next Tuesday and hung up. I then called back to try and talk to someone else but got the same lady again. We tried to talk again and again she became rude, so she got some pretty colorful words from me and hung up. I called back again and asked the woman who answered the phone what the name of her company was and the address, she stuttered around for a minute and finally told me that the company name was ARA. I said ok, what is your address? She would n't answer me and finally told me that she would have to transfer me to the correct department. She transferred me, straight back to the same original lady, I asked for their address, she gave me XXXX XXXX XXXX XXXX, VA XXXX. I said thank you, I know you know who this is and I 'm asking you to send me a letter of validation about this supposed debt that I owe and she refused to send it again, saying it was way too late for that and she had already explained that to me. I was going to send them a letter asking for the validation of debt letter, but I have a sneaking suspicion that this is a fake address that she has given me to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Jon Barry and Associates, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company Paragon Revenue Group keeps calling my phone and will not tell me what they are calling about, asking fir a male whom I do not know. They do not care what day it is or what time it is they consistently call 5 and 6 times a day. They cuss they claim I'm lying and it's ridiculous. Ultimately they hang up on me and it starts all over again the very next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Resurgent Capital Services L.P.
State: OH
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 # XXXX, *** has violated my rights.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : a CREDITOR MAY not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.

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 2020-09-29
Company: V and H Portfolio
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I spoke with a woman XXXX at Vance and Huffman in regards to a debt owed on apparently 2 accounts. One of them XXXX could not give me any information into what this debt was only the name XXXX, I explained to XXXX I would like to dispute this charge because I have no idea what it is or who XXXX  is. The next payment I was told was from XXXX and I owed XXXX dollars from the now-closed XXXX. 
I explained to XXXX that I am out on a leave of XXXX and have only a little income but am willing to make some form of an arrangement, That was settled and I then get a call from family members the next day that XXXX from Vance and Huffman are looking for me.They have repeatedly called the family from my sister n law my son, daughter someone in my family who lives in Kentucky! It is harassing! I called to inform them to stop on XX/XX/XXXX and when I dialed the number XXXX it rang and a woman answered and never a mention of the company it was just hello like I was calling someone home.I am not sure if this is a scam but I gave my debit card number.The woman spoke to me rudely and sharp and I just don't get it.I am a XXXX worker who works on a XXXX XXXX and I am tired, stressed and worn out and I do not deserve this kind of treatment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I have inquiries on my credit report that I did not apply for or authorize. 

The only inquiry that is valid is XXXX XXXX for my car lease. 

Please remove all other hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Gatestone & Co. International Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX we were moving to XXXX from Fl. and we were trying to set up XXXX XXXX XXXX XXXX while traveling back and forth. First we were told that we could not get XXXX and just ordered a phone from a XXXX and/or XXXX in XXXX XXXX ( XXXX ) to be installed on XXXX/XXXX/XXXX and we picked the number ( XXXX ) XXXX. XXXX or XXXX called back the same day and said that we would be able to get phone, internet and XXXX, but that by getting the combined package the number we picked would go away and the installer would give us a number upon installation. The new number that was installed is ( XXXX ) XXXX and we have paid for that number every month since installation. We received a bill dated XXXX XXXX, XXXX for {$68.00} for the number not installed. Called customer service, got XXXX ( ID XXXX ) in the XXXX and he stated to disregard. Between then and now we have also spoken with XXXX ID XXXX in XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX and she said it shows no service for that number and will send to a supervisor to cancel and would call back-no return call came-the bill has escalated to {$160.00} and for some strange reason late charges and long distance credit removed and the last bill we received was {$140.00}. We also contacted XXXX ( XXXX ) XXXX ) ID XXXX on XXXX/XXXX/XXXX who again cancelled everything, but the bill came again with a threat of collection company and reporting to the credit bureau which could damage our credit rating. I posted a comment on XXXX & XXXX XXXX page in early to mid XXXX and shortly thereafter XXXX called and said to give her to Saturday to get it taken care of. We have n't heard from XXXX since. 
On XXXX/XXXX/XXXX we received a call from Gatestone XXXX XXXX ( XXXX ) and we explained the bill was bogus and they should never call us again.

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 2021-03-11
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I was charged a total of {$3800.00} in two debits of {$1900.00} by XXXX for two tickets on XXXX from XXXX XXXX to XXXX on XX/XX/2020. The money was debited from my account with no hesitation from the merchant. 

However, when we ( myself and my flight companion ) showed up to my flight on XX/XX/2020, we were both denied boarding. No indication was given to us in -- over a month 's time before the flight -- that we would be denied boarding. We had all of our Covid-related paperwork, including proof of work travel as well as negative tests in-hand and they had been preapproved through XXXX XXXX XXXX XXXX XXXX XXXX. We were still denied boarding and told, with no specificity, it was at their discretion to deny boarding but if that is the case, if they do not want to supply the service I paid for, I am entitled to a refund. 

I spent hours on the phone with XXXX  between XXXX  XXXX, XXXX and they refused to issue me a refund or explain the refusal. 

Hitting a wall with the merchant, I enacted a dispute with failed/closing bank, XXXX XXXX under BBVA USA XXXX, but they denied the return of my funds despite the services that I originally paid for ( flights ) were never supplied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: PA
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, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account under a open end consumer plan late on any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: OR
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 noticed my credit rating went from the low XXXX, to low XXXX so I checked my credit report. Theres a collection account with a balance of {$370.00} listed with a collection agency called XXXX XXXX that has a date of XX/XX/22. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XXXX The original debtor is XXXX XXXX 
All of the information above is provided on the credit report. 
I called the phone number above. Someone answered but told me to call a different number XXXX. Its an automated system that asked for information to look up my account. I confirmed personal details, including the last 4 of my social. I thought it was trustworthy because its a record on my credit report. I was disconnected 5 times and couldnt speak to a representative. 
The credit report now shows a new personal address for me thats in Texas. Ive never lived in texas. It shows that the collection agency added it for me. 

A few hours later I got a message from ( XXXX ) XXXX that said that a law firm is going to place a lien on my house because of a past debt. The message gave me a new phone number ( XXXX ) XXXX for XXXXXXXX XXXX XXXX. I called and basically he was trying to get me to pay a settlement of {$5800.00} which is half of what he says the lien will be. He wanted me to use a bank card of some sort to pay the settlement. He had all of my personal information including the last 4 of my social. It was just after I confirmed that info with the collection agency from my credit report that he called and had all of this info. He sent me a docusign email that was from client services. I never clicked on the link to go further. He became angry whenever I asked him to confirm that hes from a law firm like he says and its not a scam. I eventually just hung up on him. He called back right away and I answered just to be able to hear him be angry about that so I could hang up again. He called 3 more times, but I havent heard from him since. 
Sorry for the long explanation. But I figured the more details is better. 

I disputed the claim on my credit report with Experian. 
I think both are scams and maybe one was phishing for the other.

Thanks

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 2016-07-06
Company: Central Portfolio Control Inc.
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have stopped automatic debiting of our checking account due to the changes in my household financially. I called them to let them know that I will be closing my current checking account and opening another and would let them know when i could resume my payments on my {$330.00} XXXX XXXX XXXX card. I called them in XXXX and since then they have called me 3 times. Very rude, threatening me, I have even told them the situation and they keep saying they were going to make a noteof it, but apparently they do not make a note since they keep calling me! I have every intention on paying off this debt but it will be a few months before I can because we are behind on some bills due to the transition of my husbands XXXX. This is not the first time I have had calls like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Nationwide Loan Consultants and Advisors, LLC
State: IL
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:
XX/XX/XXXX I advised Nationwide Loan consultants I will no longer be working with them. XXXX XXXX XXXX  : XXXX XXXX O : XXXX. Confirmed correspondence. 


I then hear from XXXX XXXX | Application Specialist O : XXXX. Today XX/XX/XXXX. Same company advising they would be checking my credit periodically. I told them this was not authorized. 

I terminated my working relationship with this company because they wanted me to lie to a lender and say I was not working with them. I told him I didnt wan na do anything illegal and I reported them to the XXXX XXXX XXXX Now they are threatening to periodically pull my credit. I told them I would send it any authorization and they are not authorized to do this. Can somebody help me so that they can leave me alone. I requested multiple times that they stop contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My home has been under the short sale program for several months with SPS, we have presented several offers to this company and all have come back being denied, my property needs repairs, we have been working with a buyer for several weeks that has spent time and money to prepare a bid for repairs for this lender. The value set on my property is for fair market value and my agent has been working to have the value properly reflect the repairs needed. Throughout this process we are all being told by SPS that my property did not have a sale date even though XXXX is publicized for XXXX XXXX XXXX, XX/XX/2015 at XXXX. As of today I am still having communication problems with having SPS advise their trustee that the sale scheduled for my property on Monday is on hold. They are trying to foreclose on me instead of working with my agent to sell my house. SPS has mislead us for several weeks and has lied many times by advising my agent that there is no sale date and that all is being worked on. When indeed there is a sale date and per their trustee it is active.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation