BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-04
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On about a monthly or more frequent basis I am receiving calls for someone else 's debt. Based on information revealed on the first call I am aware that the debt belongs to a ex-step daughter whose first name is similar ( XXXX vs. XXXX XXXX ) The caller revealed they were collecting on her past due XXXX XXXX card. I have explained this to the collector on the phone and asked for my number to be deleted from their database. I have confirmed my DOB, SSN and legal name, which is clearly not a match to their debtor. I have been promised my phone number, name and other confidential information would be deleted but no action has been taken. Then when I again explained they were calling the wrong person and asked to speak with a manager, they hung up the phone. I continue to receive calls and now the " offer '' is to reduce the rate on my credit cards. I have no credit cards but the person they are trying to collect upon does. I block the number they use from the auto dialing system and then another number comes in several weeks later. When I have returned a call, almost always a non-native XXXX speaker is on the phone. I can not get them to stop calling me. ( Please bear in mind I have no debt in collection. I have several unpaid tax liens in noncollectable status at this time. The calls I am receiving are regarding credit card debt of which I have no cards and no balances owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX is my last name my loan is under XXXX they have sent me paperwork wit XXXX ... I was never able to get that resolved my loan number is XXXX XXXX I have three payment left on a 5 yrs automobile loan I made a payment on line some how they did not receive the payment via internet I received a call that I was late and would I like to make a payment I told them that I had and the gentleman told that they did not have one on record ... I offered a credit card and figured I could figure this out with my bank ... this was the 2nd occurrence with this bank I get a call the next day from a toll free number stating it was the bank I wanted to get the issue fixed so not to ding my credit I got a recording from from this toll free number stating all the customer service representative were bus and to call back btn and it gave hours of operatation ... another customer service rep called and told me I owed $ XXXX to my loan ... I asked what he was looking at and he told me that was for XXXX and XXXX I told him i only wanted to make the {$380.00} at this time that I had a commission check coming in and would pay the whole loan off in early XXXX ... I had two subsequent calls after that stating that the money was returned to my bank ... so back to my bank I went to find out they took the $ XXXX out of my bank and there was not funds for them to take the $ XXXX I called back requested a manger one to pay the loan get the late fees reverted and to pay my banks fees ( the women I spoke to told me to get a letter of the fees from my bank ) I was told that my account was going to XXXX a manager and I would be taken care of to this point I have a letter from my bank I have a call from thier toll free number but no one on their side would answer when I said hello..to call into the bank it is a night mare to get any one I went to their governance page and asked for a couple of those individual on the page I was told by customer service that they could not offer me that information Oh so I TRIED TO MAKE A PAYMENT THIS MORNING on the internet and coud not make the {$39000.00} was told to call customer service and so far XXXX has been over 45 minutes to get someone to talk to ... 
I was told they would review the recorded conversation and get back with me that never happened i just want the fees reverted ... letter that they did not mess with my credit score and loan paid off there are so many layers to this bank you can not reach someone who will run with issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The debt has an agreement to be paid by paying XXXX dollars monthly until paid in full. I have been paying in good faith for over 3 years why are they still reporting it as a mark against me instead of reporting current in payments or something. I went into bankruptcy court to attempt to deal with my debt. Judge wanted me to pay at the time more than I could afford he wanted approx. XXXX monthly payments I could not cover that in XXXX since then I have paid all my debts or settled them. This is the last XXXX I owe. What can I do to encourage recovery to place a good faith report as I have done a good faith effort to pay in the past few years. 
?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Square Inc
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/20 I logged into my bank account and noticed a {$240.00} charge to " CashApp. '' After searching around online, I discovered this was a virtual money transfer service. However, since I do not have a CashApp account, the charge was clearly fraudulent. I then contacted my bank to report the fraudulent transaction. The Bank opened an investigation and recommended I call the merchant. Upon searching the internet for the merchant 's contact information, I found that CashApp does not provide consumers with a customer support line, email service, or web support service. Furthermore, I found a deluge of complaints from people online suffering from similar instances of fraud related to CashApp. However, because CashApp offers no means for consumers to report fraud or flag a fraudulent account, the only thing victims of fraud can do is report the transaction to their bank and wait. This is ridiculous. I can not believe this company is essentially permitted to facilitate fraud. Clearly, since someone was able to open an account with only my debit card number, CashApp requires no real identity verification measures. And, since I can not flag the account or contact CashApp, the user can keep it open in my name. Please do something to put a stop to this company 's horrendous practices. 

All best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Focus Holding Company
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2016 I called into XXXX home security and made a payment in the amount of {$70.00} they advised because I made a month payment for my home security system that they would continue my contract and service. After making the payment it was agreed that they would accept the balance on my account in the amount of {$190.00}. I never knew they disconnected services and transferred the account to Focus Receivables after receiving payment and agreeing on balance of {$190.00} to be made payable on XXXX XXXX, 2016. I spent more than an hour making arrangements and also making a monthly payment. They took money on false pretense advising that they were going to continue services when they actually discontinued service and sent account to collections after making agreement and receiving money. I am disputing the collection attempt after payment was made and arrangements were also done as agreed. XXXX continues to receive money advising customers that they will do certain things and do not XXXX has a poor customer service making arrangements and taking money when they should assist and stop sending accounts to collections when they has already made payment arrangements with their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of major identity theft. I never made these inquiries recently. I have a edit security freeze and fraud alert on my credit report. Trans union aloud inquiries to go through that was not done by me. 6 of them was made recently. They need to come off. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-10-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am are currently dealing with an issue with Portfolio recovery associates. They are claiming that I owe XXXX for a credit card that is not mine. I have disputed these accounts already with both Portfolio and also with the credit bureaus and they are coming back with documents that they claim show proof that it is my account. However, the papers they are sending show nothing but a few statements of transactions and do not verfiy that they were mine. I continue to go in circles with this company and would like these removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My XXXX score is lowered due to " Lack of recent installment loan information '' and " Too many accounts with balances ''. The source of the information is reported to be Equifax. With regards to " installment loan information '', the XXXX report says my Equifax credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans. '' I have no loans, so this is what should be reported, and my XXXX score should not be lowered based on incomplete information by Equifax. With regards to " too many accounts with balances '', I have no account balances. I pay my credit card charges at least weekly, and the temporary balance for a day or XXXX is never more than 5 % of the limit on the card and is usually under 1 % of the card limit. My Equifax report contains errors, including data pertaining to individuals other than myself, which I have not been able to get corrected. They may be reporting those individuals ' charges to me. To resolve this, I would like to know what account balances Equifax thinks I have which are being used to lower my XXXX score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX, I submitted complaint ID XXXX because my mortgage was not being reflected on my credit report. The mortgagor stated that they submitted the correct information to the three credit bureaus. To date, the three credit bureaus are not reflecting my mortgage account. The mortgage account with the previous bank, XXXX XXXX XXXX is not reflected on my credit report, neither is any information from the new mortgage company. 

Additionally, when the account was transferred in XX/XX/XXXX, the credit bureaus closed the mortgage account and dropped my XXXX XXXX 114 points. The old account does not show as a closed account. They are not reflecting the new mortgage. Also, my XXXX XXXX credit card was upgraded to an XXXX XXXX card in XX/XX/XXXX. Instead of transferring the balance, the credit bureaus closed the XXXX XXXX account, dropped my score 41 points and then added the XXXX account. 

In my opinion, the credit bureaus are inaccurately reporting data and manipulating credit scores to sell credit cards, loans, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I was paying Fein, Such, Kahn and Shepard a XXXX a month payment since XXXX/XXXX/XXXX. In XXXX XXXX I ran into financial issues and called them initially to stop the payments. A paralegal named XXXX stated that I needed to write a letter. I wrote a letter and stating I needed to stop payments until XXXX of this year. They claim they tried to contact me and sent me letters. I verified that they did receive my letter and they still seized y bank account in XXXX XXXX even though I had been paying them and wrote them a letter. After I spoke to XXXX he said I was in default when I did what he asked. They then tried to continue payments even after he told me I was in default and that they did n't accept my letter. When I called the court they told me the lawyer also re-filed against me for XXXX when the original debt was only XXXX and I had paid down XXXX of it. XXXX could not explain why an additional XXXX was added to the debt only blamed the court for filing it wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a XXXX  card with Bank of America. I received an email from BofA on XX/XX/XXXX informing me my application had been received. 

On or around XX/XX/XXXX, I received the first of XXXX credit cards. I immediately created an online account and setup " XXXX XXXX '' on their website. On XX/XX/XXXX, I received XXXX small deposits from BofA that I needed to validate to activate XXXX XXXX. I did this immediately. While the initial payment was due on XX/XX/XXXX, I assumed there was sufficient time for XXXX to work. It did not, and I was charged a {$29.00} late fee and {$16.00} in interest as I had started to make purchases using the card. The initial balance due on XX/XX/XXXX was the annual {$75.00} card fee. 

I called BofA on XX/XX/XXXX as soon as I learned my bill was past due. The agent I spoke to reversed the {$29.00} late fee but did not have authority to reverse the {$16.00} in interest charges. She left a note for a manager to call to discuss the latter fees. 

On XX/XX/XXXX, XXXX XXXX from BofA called to inform me that the bank would not reverse the interest fees. I informed her that I had setup XXXX timely as well as validated the micro-transaction timely nearly 3 weeks ahead of the first due date. She repeated that she would not reverse the fees.

I find this is an unacceptable practice by banks to extract more fee income from consumers when these system features can be activated nearly overnight. Issuing banks have been doing this for years and there is no excuse for them to require 1-2 billing cycles to flip an automated switch.

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 2021-11-17
Company: MoneyLion Inc.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I was in car accident and was admitted to hospital. I had XXXX on my XXXX and had XXXX XXXX I was also put in XXXX XXXX XXXX I was in the hospital until XX/XX/2021. During this time my ex boyfriend stole my idenity. My phone my credit cards, bank accounts, if, social security card, birth certificate, he took out loans in my name, he spent all my money, I filed a dispute on XX/XX/2021 as soon as I found out about this. On XX/XX/XXXX moneylion emailed me saying they found no error. On XX/XX/XXXX I emailed them back and asked for a appeal and sent them copy of police report, note from XXXX And affidavit from my ex boyfriend admitting to doing this and asking for a lesser sentenceXXXX XXXX  On XX/XX/XXXX they closed my account. I was in XXXX how could I have don't any charges. They will not return my emails. They emailed me saying they were closing my account and I would receive the remaining funds via check and to call and Verify my address I did that immediately and waited for check XX/XX/XXXX I called because I still have not received my check and they said it was mailed out to wrong address. I would like my money back that was stolen from me and the money that was in my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been trying to get Equifax to do their job and update this incorrect information on my credit report. Equifax continues to update my credit report to show that I owe {$410.00} to XXXX for XXXX. I do not owe this money ; I paid this account over a year ago and provided Equifax with a copy of the cleared check, which was deposited by XXXX in XX/XX/2016. Equifax 's inability to do their job has cost me the opportunity to purchase my first home. Please help me hold them accountable for doing their job and removing this inaccurate information from my file immediately. I have attached copies of the check which was credited to XXXX ' account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hey back on XX/XX/2020 I had applied for different XXXX cards and they had denied me but said if I can prove within 90 days there information was inaccurate they would approve me under the fair credit reporting act and reverse the decision. The application # was XXXX & XXXX. I will send you my transunion score and utalization they said was high but it's only 2 percent so was looking for them to reconsider. I'll also send you letters they sent me saying utalization was the issue I knew they were mistaken. I called today they said transunion I need to contact. Transunion said everything is good and I need to tell XXXX  that but going around in circles.

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 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It would not allow me to submit my 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 2017-03-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I checked my credit on XX/XX/2017 and I had only XXXX accounts listed on my credit report. All the other information and history was gone. I called and asked what happened and the rep could n't answer why this happened. He finally did some digging and said the report has been split and was missing information. Well long story short my information was pieced back together and put back on the report. The negative items had been deleted were gone and now back on. Along with the inquiries that had been previously deleted. I want to know why this information was removed then put back on. My score went from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XX/XX/XXXX, I submitted a complaint to the Consumer Financial Protection Bureau, stating that Equifax has not responded to my request to investigate erroneous, inaccurate and incomplete information in my credit file. After the complaint was filed, a partial response was returned by Equifax stating that they will investigate the disputed items and get back with me within 60 days. This is totally unacceptable. Federal Law clearly states that a Credit Reporting Agency has 30 days to respond to a consumer 's complaint or dispute. The original dispute was filed on XX/XX/XXXX, and it has not been resolved yet. It has been over 120 days and they are still saying it will be another XXXX. Why even have Federal Laws if the Credit Bureaus do not follow them and are not held accountable. At this point, I am making a formal request that the disputed information be immediately deleted from my file, since no evidence has been properly established as to the validity of this erroneous information in the time allotted by Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 'm tried so hard to bult my credit score by having small credit card paid on time, had a bancruptcy 7 years ago and have car that I 'm paying on time never late on my bills, unfortunately I ca n't get a major credit cards because I guess I 'm XXXX or my location I lived in XXXX XXXX area people like me will get denied constantly. This situation need attention cause I have XXXX friend who bad credit than are able to get credit or a loan ..I do not understand someone need to explain to me why I 'm getting turned down by the credit bureau??

Company response to consumer: Closed with explanation