BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have recently submitted to your company certified letters containing police reports, identity theft declaration of facts, and a signed document from the Federal Commission Trade # XXXX. To notify your company that I am a victim of identity theft, and that the account you are reporting on my credit files are fraudulent. You are in violation of my consumer rights and these accounts should be removed immediately. 
I have sent several certified letters to your company asking can you verify these accounts, I've asked you to send me proof that these accounts are mines, yet you have failed to respond to my letters and verify these accounts, yet you continue to report to the credit bureaus that these fraudulent accounts are unknown to me and I have no knowledge of these accounts. Please remove these accounts immediately. 

The following accounts should be removed immediately : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$530.00} Date Opened : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was cancelling my service with XXXX in the first couple of days of XX/XX/XXXX.I asked what amount I owed for the few days of the month of XXXX. The lady told me that they could not compute that prior to the next month 's billing and I would at that time be billed only for the pro rated amount due. When I received a bill it did not have a pro ration. I called then told me they would correct that. When yet another bill came out, it showed a credit for that next month for approximately 90 % of the bill, BUT THEY SHOWED THAT THE ACCOUNT HAD BEEN CANCELLED IN A PRIOR MONTH, AND THEREFORE THE CREDIT WAS GIVEN AGAINST XXXX OWED, AND THEN I WAS BILLED ON THAT SAME BILL FORM the full amount of the previous month, it was shown as over due. ( That would be the month that the credit should have applied to, and it would have shown the correct amount due, and it would be the first time that I was given these figures and therefore could not be considered over due. I wrote a letter which has now been sent to different addresses for XXXX. I have never had a response to my letter, instead I have received pre recorded credit collection calls, the same one approximately six times per day. None of those were ones I could give this complaint to. One call did come in I could not get the number to call which referred to my letter, But no one was repeated where I could answer.

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 2018-12-20
Company: Bread Financial Holdings, Inc.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX Credit Card through the XXXX XXXX XXXX XXXX billed me for an item that was never accepted from me ( order number : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the bill months ago on the commercial acceptance website. They keep sending bills and calling. Today I called them and XXXX SCREAMED at me and I hung up on her. She wants proof of payment but does not give instructions of how to do it, instead screams at me. Not helpful at all and this is harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: NJ
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXXXXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$390.00} ; XXXX  XXXX Balance : {$7200.00} ; XXXX  XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am lodging a formal complaint against Jefferson capital system. This debt collector has reported derogatory info on my three credit reports for a debt I have no knowledge of for the amount of {$660.00} from a XXXX account. I have lived in XXXX XXXX, NJ my whole life and never had service with XXXX. I never received anything in the mail from this company or phone calls to let me know about this debt. Which is a violation of the FDcpa. Debt collectors must send me a notice by mail which gives me 30 days to dispute validity of account. I am in the process of purchasing my very first home for my family and I and this account is holding me back. I am requesting immediate deletion of this errounous account from my three credit reports so I can purchase my first home. I will be filing XXXX  complaints and attorney general complaints if this account isn't deleted. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
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: Account status incorrect

Complaint:
Payment made for XX/XX/2020 and enrolled in covid payment extension for 6 months they reported me past due for XXXX to CRAs not onlybwas it coverrd under the covid plan XXXX  was due i paid XXXX proof of payment attached

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 2022-05-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The XXXX XXXX Account is showing inaccurate on the amount due on 2 bureaus, XXXX reflects a balance of {$200000.00}. Experian reflects a different balance of {$200000.00}. XXXX reflects a balance of {$200000.00}. 
This account also shows that a foreclosure was initiated in XX/XX/2021, that is also inaccurate. The balance was paid in full on XX/XX/2021 so it should not be reporting a foreclosure being initiated in XXXX. This account also shows late payments that are different on all bureaus. This XXXX account also shows different payment amounts as well on all bureaus.The inaccuracies from the XXXX account effects my credit report, score and DTI ratio. I have attached documents for review

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 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a Victim of Identity Theft. I did not Authorize 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 2017-10-19
Company: Midwestern Health Management INC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX is where both me and my wife received care on separate occasions. I was XXXX years old in XX/XX/XXXX when I received care. That bill was paid by me. My wages were garnished and the debt was paid. In XX/XX/XXXX, XXXX sent a debt for collection to XXXX XXXX XXXX. This debt was not mine. 

This debt was for care received by my wife, XXXX XXXX. I was told by XXXX that they were adding my wife 's debt to my name and they said it could be garnished from my wages. 

Out of fear of losing my job in the XXXX, I agreed to have payments in the amount of {$150.00} twice a month to be this debt even though I did not owe it. I had no experience with personal finance and did n't know what to do and was fearful that my chain of command would be contacted. 

My security clearance has been impacted as well. 

My credit file is showing a debt in collections to XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 

XXXX is impossible to get on the phone and XXXX has likely been given incorrect information from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Reverse Mortgage Solutions, Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, a written request was faxed to Reverse Mortgage Solutions for them to send my insurance payment premium of {$970.00} to the insurance company. The funds were to be withdrawn from my XXXX XXXX XXXX, which currently has over {$1000.00} - more than enough to cover the premium. 

On XX/XX/XXXX, I received an email from a representative who was responsible for processing insurance request and it stated that she had been laid off the day before and suggested that I resend the fax, as no one might not have seen the initial fax due to her termination. 

On XX/XX/XXXX, instead of faxing the 2nd request, I emailed to XXXX. 

As of today XX/XX/XXXX, the insurance company has NOT received my payment and my grace period has expired along with the insurance policy. 

The request I sent in XXXX was processed but the request sent in XXXX was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: MO
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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: The CBE Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted today by XXXX XXXX of CBE Group ( a debt collection agency ) in XXXX IA XXXX in order to collect a debt they say I owed from a XXXX subscription of {$370.00} that was 26 days in collection as of XXXX XXXX, 2017. I knew this was bogus because we have had XXXX XXXX for the last six years. XXXX is not even a choice in XXXX AZ XXXX went on to tell me the XXXX service was for someone that lives at XXXX XXXX XXXX XXXX, XXXX GA XXXX with a Disconnect date was on X/XX/2017 and gave me the account # XXXX had all my personal information, address, phone and social security number

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 2017-06-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Account was overdrawn in the last few minutes before XXXX. Two small charges were paid last leading to three overdraft charges of {$34.00} instead of one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: NJ
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 a medical bill on my report I dont seem to recognize

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 2022-05-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The hospital & my insurance company has reach out to them and they spoke to them also but they have not pulled this out if collection saying give them 30 to 45 days I do not believe I should have to wait that long when the hospital has clarified that it was never sent and that this is not my bill because I do have insurance on file and that it was a mishap on their part!! Why should they still allow my credit to be tarnish after 2 years of harassment not one letter stating I could had the right to dispute but just forceful calls demanding pay when I tried explaining my insurance situation servals times. I call the hospital after my last argument with this company and to my avail I sure did not owe abd Im being turned down on homeowners ship due to this the other collection agency has removed theirs already and both was reached at the same time with the same information they just want to drag me and my homeowners ship process along which is not fair by law my rights has been violated from 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 2017-12-27
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I ordered XXXX a cryptocurrency from Coinbase and have not yet gotten my order. The order was placed on XX/XX/XXXX and was promised XX/XX/XXXXand I have yet to receive the order. These cryptocurrencies are highly volatile and can cause financial loss. I have reached out to the company multiple times and have not gotten a response. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing a debt from Portfolio Recovery Associates. In response to a request for proof of validation, PRA sent me a bill saying that I owe a balance of {$180.00} This is not a proper validation of the debt. In response, I submitted a complaint to BBB demanding that PRA send me proper validation of the debt and proof that I signed a contract to pay this debt. I specifically listed items that I would like in order to validate this debt. PRA did not send me this information once again. In response to my complaint to BBB, PRA claims to have the documents that I am requesting but they still have not sent them to me. I refuse to take their word it and demand that they send me this supposed information they claim to have, including the names and phone numbers of those that they spoke to in order to obtain that information. Given PRAs delayed delivery of the requested documentation, I am convinced that they really dont have any information to give me other than a bill that they keep sending. I have advised PRA that they must remove this debt from my credit report if they can not validate it AND send proof of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX Is a Fraud account this account has already be file with the FTC previously here is a new FTC file number for this account FTC report numberXXXX Also I have a right of privacy 15 USC 6802 and 15 USC 1681

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 2021-07-22
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a 100 % XXXX XXXX who went to my county to request an tax exempt for my XXXX rating. It went through and the county of XXXX refunded me XXXX of taxes I paid that I never should have paid. They sent the money to XXXX who sent out the funds to my current mortgage loan holder and a past loan holder who is Speicialized Loan Servicing LLC. The amount sent to them was XXXX. And it has been 2 months and they can't legally keep that money past 30 days. I been getting the run around and I am starting to think they are going to try to keep my money that is rightfully mine. I just want my money and don't know who to turn to for help.

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 2022-01-11
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, so Ive been trying to contact XXXX XXXX to pay a debt that I have with a closed account with them. The credit card customer support never answers. Ive been calling for about a month now every other day and I get no answer at all. All I get is We are closed try again at a later time Im really trying to purchase my home and I havent been able to get this debt taken care of because of them not answering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I allowed Carrington Mortage 's loan officer XXXX XXXX pull my three credit reports ( XXXX, XXXX, XXXX ) and I was told I met the credit requirements and I can put in an application for a USDA loan. XXXX XXXX lied to me stating that he took my application. He called asking for my personal information to input an online mortgage application. I had to get off the phone and said I would call him back to finish the application. I called him back the next day and he said I was denied. We never completed the application over the phone nor did I complete an application online. I never reviewed what he typed into the computer or if he typed anything into a computer. I never signed an application to submit for the mortgage loan with my personal and income information. I never received a denial letter stating I was denied, just told over the phone that I was denied. 

XXXX XXXX accidentally left a message on my phone stating that his boss, XXXX XXXX, told him to never submit the loan application and quote " get rid of her ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: WELLS FARGO & COMPANY
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:
Hi there! 

I did not approve this inquiry I want to dispute this transaction 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