BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-04
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
I received XXXX calls in a 4 hour period on XXXX/XXXX/15 from Discover Card. I am ill and was sleeping. The fact that this averages a call an hour makes this harassment. Especially considering I have told them in the past of my intent to declare bankruptcy. The calls came in at the following times:XXXX XXXX XXXX CST12XXXX CSTI was left XXXX voicemails ; this includes a full voicemail of someone typing which I believe was left just to harass, and the second the person just states her name and then pauses for a good amount of time before hanging up. 

They know what they are doing is wrong and they still continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: DRS Financial LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Capital Collection Service, ( XXXX ) XXXX, continues to call us about a debt owed by someone we do not know. When we complain to the caller that we are not the party they 're looking for, the caller always very politely apologizes and says they 'll remove our number from their calling list. They do n't, we keep getting calls.

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 2021-04-06
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PARAMOUNT RECOVERY SYSTEM Had bought 6 medical bills that are over 7 years old THEY WERE NOT MINE ( I HAD TO PUT FRAUD PROTECTION ON MY ACCOUNT ) and they were removed from all 3 of my credit Bureau 's back in 2019 it took me several yrs to get them removed because they were never mine in the 1st place at all ... They were just put back on all 3 of my credit reports and even updated to being new as of last month I contacted all 3 Credit Bureau 's and XXXX XXXX did remove them but XXXX  and XXXX only removed 3 of them I asked them to remove them they said they are mine and they are new I tried to tell them no they are not mine and they were removed/ deleted off my report back in 2019 and just put back on in XXXX of this yr I fought for the last 7 yrs or more to get them off my credit report and they finally took them off because they wee not mine then PARAMOUNT RECOVERY SYSTEMS just bought them updated them and put them on my credit report as new XXXX and XXXX will not listen to me I TOLD THEM GO BACK AND LOOK THE WERE REMOVED HONESTLY and I have been trying to get them removed again for the 2nd time, I was told once they are removed or deleted, they can not be put back on But they are back on and I worked so so hard over several yrs to get them removed they came back on again PLEASE I BEGG OF YOU CAN YOU PLEASE HELP ME AGAIN TO GET THESE REMOVED THEY ARE FROM XXXX LOOK AT MY REPORT I PAY ALL MY BILLS ON TIME THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They call stating they are trying to collect a debt. Then when you say they have the wrong number they state i Know I talked to you last month and start using very abusive language.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: HI
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 got at call from XXXX XXXX XXXX asking me if I was applying for a XXXX credit card. I told them absolutely not. She said okay and that she would " take care of it '' Then I got an alert from XXXX XXXX that there was a credit inquiry ( XXXX ) and then the next day there were inquiries from both XXXX and Equifax. 

I have Fraud Alert already in place on my credit report but because we are in the process of getting a mortgage I have NOT yet placed a freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, 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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX  ( Original Creditor : 08  XXXX XXXX  ) - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX ( Original Creditor : ) MERCHANT CREDIT - XXXX XXXX/XXXX  - XXXX XXXX  XXXX  XXXX  - XXXX XXXX/XXXX  - XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX  XXXX, I ( Original Creditor : ILLINOIS XXXX XXXX ) - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: Dovenmuehle Mortgage, Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I can not pay my mortgage loan online if it 's a weekend day. This was n't always the case. I 'm sure many people can relate to having to wait up to the last day a payment can be made to pay if without getting a late on their credit report. I have had issues with only having access to making payments via the Internet due to a phone not being available. I have made payments online on weekends before and they post that Saturday or Sunday no problem. In the past year apparently they changed their policy ( never received any policy changes updates ), and these payments I made were not credited until the Monday after causing late quotes on my credit. There are times I do n't get paid until Saturday or Sunday and I should n't be penalized for that. Apparently even if I could have called and made a phone payment they add a XXXX $ fee which I ca n't afford. This is not fair in my eyes. I ca n't get in a better situation if I am blocked in all these ways

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Jefferson Capital ; Collection agencies. 
This Company use many different telephone numbers are not identified. 
Use 7 or more telephone numbers and different persons and threats of unjustified charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I just signed up for XXXX and XXXX monitoring. On my MyFico XXXX report I just pulled, dated XX/XX/2016, which I have attached to this complaint, this account is listed as:XXXX. Reviewing my XXXX report, it matches to Americollect out of XXXX, WI. This account is listed on my XXXX credit report. 

I never received a letter in the mail that I was responsible for this debt. If I had received one, I would have paid it so it would have not appeared on my credit report. 

Please remove this account from my XXXX credit report due to the fact that I never received a letter allowing me to dispute the validity of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: DISCOVER BANK
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2021, I applied for a Discover It card using a referral code from my brother in law. I then received the card on XX/XX/2021. I attempted to activate it per the instructions mailed with the card, but was told that I would have to call to activate. Once I called the listed phone number, I was told to upload 3 bank statements and sign a document ( 4506 C ) to verify the account. I did as I was instructed. 
On XX/XX/2021, I received an email that said Discover needed to speak with me about important info for my account. I called and was told that only 2 bank statements were actually received even though I made sure to upload three. I uploaded the remaining statement as instructed. 
I then received an email on XX/XX/2021 that notified me that Discover had closed my account effective immediately due to Discover being " unable to verify personal information '' on my account. I have not received any more explanation as to why the account was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Recieved a phone call around XX/XX/21 from XXXX XXXX asking if I had applied for a card, which i said no. They said they would disregard the application they had received and put a fraudulent notice on it. 

XX/XX/21 Received a debit card and a XXXX  card from USAA. Called and spoke to them and told them I never applied for these cards. They said a fraudulent application was on file and advised me to notify credit bureaus. I put a fraud notice in with XXXX. 

I am notifying you now, as I am now afraid someone has my personal information and is trying to open accounts. My husband and I will be purchasing a home soon around XXXX of this year with XXXX  XXXX  and I do not want any trouble or damage done to our credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-23
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I am writing you to lodge a formal complaint about fees that were charged to my account. The XXXX chargers in the amount of {$35.00} dollars. On XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} for a total of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Experian Information Solutions Inc.
State: GA
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:
I've reported the inaccuracies of a XXXX account reporting on my credit report for months. However, Experian continues reporting the information. I have not been provided with any accurate proof of ownership from Experian or XXXX about this account. Experian sends letters with claims of contacting the creditor and having the account validated by them however I have not been sent any proof of that. XXXX continues assertion that the account is valid and have provided no proof with my signature for these claims. I continue to assert that this is a fraudulent 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 2021-04-06
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020, paypal deducted all balance from my paypal acount, which is {$4900.00} USD to paypal 's own account. It says the amount was transferred to paypal. It was gone without my permission, and even didn't send me any notification. It just disappeared. I am a single mother of XXXX adorable kids. I need to pay bills for utility and the rent for the house. Life is so hard for me. Because paypal says the funds will be available for withdraw after 180days, so I didn't check it during this period. I was shocked by what payapl did to me. That is illegal to steal my money.I realize that CFPB can help me in this kind of situation, that's why i am report to you. Please kindly help me to solve this issue and get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Optima Recovery Services LLC.
State: KS
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:
On XX/XX/2018 Optima Recovery Services marked me with owning them XXXX and XXXX dollars. This was for a gym membership and a personal trainer. I moved from XXXX Tn to XXXX Ks and called several times to try to cancel with no resolve. I am also a 100 % XXXX Veteran and moved farther then 25 miles away which should have been enough to cancel my membership by itself. Ive called several times over the pass yrs to try to settle but they want XXXX dollars. This all seems very much like a scam. Also when I moved away my personal trainer also moved to XXXX XXXX Fl. This company seems to pray on situations like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-17
Company: SYNCHRONY FINANCIAL
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing in regards to my now closed, Paid in Full, purchased by XXXX from Ge Capital Retail Bank. 
XXXX sued me over this debt but the case was dismissed without prejudice and I was advised by XXXX that the account will be deleted off my credit reports. 

Upon speaking with several supervisors at XXXX, I was informed that while it is practice to update the credit reports as " Paid '', I was also informed that if I chose to dispute the account once paid for a removal from my credit file, " XXXX would not fight me on this ''. I have received conflicting information from several different representatives, and due to this and the extenuating circumstances that caused the initial delinquency -- and the fact that I resolved this account in full and amicably -- I am requesting a complete deletion of this account from my XXXX credit reports : XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
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:
1 ) XXXX  2 ) XXXX  3 ) Equifax All three of the above named entities have incorrect information on my credit report, either matters wrongly attributed to me or records which are validly mine but contain false information and no matter how many complaints I file ( with either the Credit Bureau or the Creditor ) it never goes off my report. I need this addressed and the situation redressed and rectified immediately, as it is impacting my quality of life severely and violating my constitutional rights. 

Please call me at XXXX XXXX XXXX to discuss remedies and mitigation. 

Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A mortgage broker ( Sebonic Financial/ Cardinal Financial ) charged my credit card for an appraisal/inspection fee ( of {$400.00} ) on a ( short sale ) home that I was hoping to buy. The sale never went through yet the mortgage broker refused to refund my money. They have essentially opted to keep my {$400.00} without providing the service and I need my money back. 
I have a detailed package of the incident that I 'll upload with this complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: EQUIFAX, 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 in communication to have the following information in my file that I would like to be deleted. I am a victim of identity theft and did not make the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
I paid off my TJX Rewards Card ( Synchrony Bank ) on XX/XX/XXXX ( cleared my bank ). This is a week later and TJX has not credited my account. They claim my payment arrived, however have been holding funds for a week.

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 2021-04-06
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Hello. Netspend simply closed my account for no reason. I submitted the identity documents that they provided and they sent me a message telling me We have received your documents. Unfortunately, we are unable to verify your identity with the documents you provided. 

All U.S. financial institutions are required by federal law to verify specific customer identity information. 

This account has been closed. If there are funds remaining on this account, a check will be issued to the cardholder at the address on the account or funds may be returned to sender, depending on the origin of the funds. 

For additional information please contact Customer Service by calling the number located on the back of your card. 

Thank you. 



XXXX Customer Service

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 2021-04-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : 06 XXXX  ) XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX  ( Original Creditor : 01 XXXX XXXX XXXX  AND XXXX XXXX  ) XXXX  ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: Professional Credit Management, Inc
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account was paid in full and agreed to be removed from my credit history. However the account still remains on XXXX and XXXX. Please remove. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XXXX/XXXX/XXXX Last Payment Made : XXXX/XXXX/XXXX Original Amount : {$76.00} Original Creditor : XXXX ( Medical/Health Care ) Pay Status : & gt ; Account Paid in Full ; was a Collection & lt ; Date Closed : XXXX/XXXX/XXXX Date Paid : XXXX/XXXX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been on a forebearance plan and called to extend that and was told it was extended. 

I have been getting foreclosure notices in the mail and have not been able to reach the servicer. The website is not working and I have tried calling with 154 callers ahead of me. 

I need to speak with someone about my loan and can not reach anyone.

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 2016-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am contacting your agency because I have on several occasions tried to disputing a line of credit account with Experian I supposely open with XXXX XX/XX/2011. XXXX has produced no evidence such as signed loan documents showing my signature and verified I applied for line of credit. Experian refuses to investigate and keeps making following statement " We are responding to your request to verify item ( s ) on your personal credit report. We have already investigated this information and the credit grantor has verified its accuracy. ... Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not be investigating your dispute again at this time. '' This false reporting is damaging my credit. I would like for XXXX to contact Experian and remove this item immediately from 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 2021-04-05
Company: Experian Information Solutions 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:
Many time send letter and online dispute few errors from my credit history in Experian and explain everything to them but still all errors in my credit history Errors is : 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 explanation