BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
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 Report Act XXXX, Account : XXXX, Creditor : XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

I don't owe this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt Recovery Solutions ; original creditor name XXXX   balance owed {$290.00} XX/XX/2017 when it was opened. 
I even had email sent to me threatening theft by which I did not do and have never opened an account or used this company before. Someone had hacked into my bank and email information presumably it was my ex husband and his girlfriend and open up fictitious accounts under my name ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: Phoenix Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Between XXXX i was employed with my former employer i did make visit at the urgent care department at the medical center for an related pain in my right. I did provided my insurance information to them asked several time i was here to be seems by URGENT CARE I don't know really happen and within that time my employer did change their medical service provider like that to another medical service provider.When i contacted my employer the told me that the contacted the hospital and was still waiting to hear from them. I did called the hospital and told them what happen but after two to three months i received a called saying i owned fees for the urgent care service which is {$690.00}. 
Moreover i did called the hospital and told them to contact my employer but i don't know if the did until i found out that the payment was place with an collector company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Experian Information Solutions 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:
they put a block on my credit without my permission

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 2021-03-02
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received notice from a company called Cash Central in XXXX, Ohio that they will be debiting my bank account by {$210.00} for a loan I didnt borrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: ARVEST BANK GROUP, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my home and escrow closed on XX/XX/XXXX. I have a left over balance of {$1900.00} that is due to me. By law, mortgage companies have to refund this within 30 days. On XX/XX/XXXX, I called Arvest Central Mortgage Co to check where my check is and was told it was mailed out to my new home address the first week of XX/XX/XXXX. Obviously I did not receive it. Arvest rep. told me that they would issue a new check and I should receive it within 7-10 business days. 
Today ( XX/XX/XXXX ) I called Arvest again to check where my check is because I still have not received it. I was told by the rep. ( XXXX ) that they mailed it on XX/XX/XXXX. I asked for a new check to be mailed with a tracking number. They did not want to issue one until another 5 business days. They said I need to wait another 5 business days so they can cancel the check that they supposedly issued on XX/XX/XXXX, and then issue me a new one. 
This mortgage company is a fraud! They made excuses not to refund me my money that I overpaid them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: IN
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:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This information is in regard to Experian Credit Reporting Agency.

Credit Report Number : XXXX Experian has continuously and is currently reporting 2 accounts that is a result of identity theft within my credit file. The info is with XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. Perpetrators were able to obtain several loans, bank accounts and credit cards using my information. I had filed a police report, I had filed an FTC identity theft report, and yet they ( Experian ) still kept the fraudulent information within my credit file. Not only did they did this, the credit bureau ( Experian ) has also updated and maintained this information within my report, even though Experian and both ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX ) companies has failed to send me information on who opened up these fraudulent accounts. 

Several times I have asked Experian to remove the accounts and to verify who had opened these accounts with XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, and to several times, no success or avail. 

Ive also reached out to both companies XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX XXXX kept on giving me the run around and no one never returns my calls. While a representative at XXXX XXXX  told me the company has its obligations to keep a record on everyone, regardless if that person is an ID THEFT VICTIM, and even if its mine or not. Nor are they obligated to send me anything as well on the fraudulent account even though a police and FTC REPORT was filed. I had submitted a police report and an FTC identity theft to XXXX XXXX XXXX. 

Both fraudulent accounts are still within my credit as of XX/XX/2020. 

I currently work as XXXX XXXX at XXXX XXXX, in XXXX XXXX NY. 
So daily I have to restrict my commute by using XXXX/XXXX  services due to the exposure of the Coronavirus on XXXX  public transportation. And in return its costing me closer to thousands of dollars every week. All due to the fact that I can not apply for a car loan due to my Identity being stolen and fraudulently used. As well as the fraudulent acts of Experian Credit Bureau. 

Im facing risk with my life everyday, and the last thing that I should be worrying about is my credit being used fraudulently at Experian Credit Bureau. Experian has not made it easy for identity theft victims such as myself. An help from someone within the Consumer Finance Bureau is highly appreciated. Thank you.

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 2020-02-16
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The LVNVfunding LLC.. Took me to court without properly notifying me.. All they seek to garnishes my state taxes.. which is illegal ... This is not a federally funded company or A State government organization.. They illegally but not limited too.. harrassment and threats of blocking my social security number.. the debit is not a federal debt for school or child support etc.. Its almost 4yrs old..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind on Payments because Shellpoint  / New Rezmy mortgage company returned 2 payments that I sent in for XX/XX/XXXX, and XXXX did not realize this at the time because I was not residing at the property, and never received notice until I found out from my bank months later that the payments were in fact returned XX/XX/XXXX I began working with Shellpoint to bring my account current, I agreed to a loan modification, so I sent in payments for XXXX, XXXX and XX/XX/XXXX, a 3rd trial payment was due in XX/XX/XXXX, however I was working with my point of contact with shellpoint, was given the option to go on to a deferral program instead, so I opted for that option. I was told to wait for a letter in the mail with their decision. the letter never came. Weeks later I am told from my Shellpoint Contact that I was denied for the deferral program, so I asked her, now what do I do? she responded again, wait for a letter in the mail, I will then go over your options for repayment at that time. Meanwhile as I am working diligently with Shellpoint to figure out what steps needed to be taken to bring my account current, and what I needed to pay, from mid XX/XX/XXXX Through XXXX, XXXX. During that time, Shellpoint hires an Attorney on XX/XX/XXXX to file a foreclosure against my property, They do not inform me of this foreclosure, no emails, no mails, nor did the point of contact that I was working with at Shellpoint explain to me, or tell me that I was in Foreclosure. Shellpoint charged me over {$2000.00} in legal fees and other fees, now I have a foreclosure scheduled for XX/XX/XXXX. I need help. At no time did I ever tell Shellpoint that I would not pay them, we were working on the resolution while they filed the foreclosure ... .Its devastating to me, and all I get from Shellpoint is lies and deceit. What can I do, Please help me. I'm to make my payment on XX/XX/XXXX. but after reading all of the negative reviews, I do not trust them to stop the foreclosure after I make the payment and all of the wrongful additional fees that they are charging me. This all started because they returned 2 of my payments without notifying me back in XX/XX/XXXX... Horrible, deceitful company, stay away from this company, read the endless negative reviews. I don't understand how they are still in business...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX Opened the savings account with Discover Bank, with an opening deposit of XXXX dollars, money transferred from a XXXX checking account. 

XX/XX/XXXX Scheduled a fund transfer of XXXX from my XXXX checking account. At the time I had more than XXXX dollars in my account. I did not want this transfer to go through, so I purposely took out XXXX dollars from my checking account so the request will be rejected. 

XX/XX/XXXX In which XXXX dollars of the XXXX dollars that I took out of the XXXX checking account were sent to the Discover Bank savings account. 

XX/XX/XXXX Discover Bank subsequently closed the account as they suspected that there was fraudulent activity going on. 

After this I have called Discover Bank 4 times, most recently XX/XX/XXXX, first they told me to file a hold harmless agreement with XXXX, and then they told me that they could not disclose any information on where the funds were. 

I have also contacted XXXX but they did not receive any money from discover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-28
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:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$1300.00} on XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I went to XXXX and signed up for the XXXX XXXX XXXX. The salesperson I spoke too specifically said that I have ( 14 ) days to return the purchase if I was not satisfied with the quality of the service. I returned the purchase ( 4 ) days after, so I was well within the term agreement for the return. I was told no fees would be assessed. I was never contacted again regarding this account. I was not aware there was a collection on this account until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2023-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. In addition, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found on my credit report are NOT related to any transaction that I have made. I am alleging that a person and/or company - without my authorization, used my personal information to apply for products, services, or money ; and was successful in creating some accounts. All which are being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in regard to an XXXX  sale of {$1600.00} involving two large speakers. Payment was made in full on XX/XX/2019 with Buyer arranging payment through PayPal. PayPal released funds to me after the mandatory hold on XX/XX/2019. Two months later, on or about XX/XX/2019, PayPal notified me of a dispute with Buyer and asked for documentation to assist in resolving the Buyer 's issue ; documentation was sent immediately. On XX/XX/2019 PayPal notified me of decision by Buyers bank to reverse the purchase charge, demanding I add funds to my PayPal account to resolve the negative balance. 

Buyer refuses to return merchandise claiming speakers were not as advertised. They were. Photos taken before the sale ( at Buyer 's request ) and after were sent to Buyer ( and later, PayPal ). Buyer first filed a claim with XXXX claiming speakers were damaged in shipment ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ). Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition PayPal will not release any transaction details ( Buyer 's bank or credit card company, correspondence between PayPal and Buyer 's bank or credit card company ). PayPal 's Resolution Dispute Department in woefully inadequate, unavailable and not interested in customer satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Dynamic Recovery Solutions, LLC
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 Report Act XXXX, Account : XXXX, Creditor : Dynamic Recovery Solution, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

I don't owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX XXXX XXXX and I came to an agreement that this debt was not owed. They have adjusted my account to a XXXX balance and I was told they would contact Hunter Warfield to let them know to remove this debt from my credit report. I called Hunter Warfield on XX/XX/23 and they refused to do so and stated they havent received any information to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XX/XX/XXXX payment not applied properly. Requested explanation from XX/XX/XXXX to XX/XX/XXXX on payment amount due/ why was it asking for so little ( not enough to cover principal & interest ) we sent regular payment ( couldnt get an answer ) statement XX/XX/XXXX payment amount due stated almost double regular amount. Escrow analysis are incomplete they say surplus and payment amount rises and no refund issued. Shortages payments lower. Notations on the documents state DONT SEND TO BORROWER PER LENDER. Payments are being held and processed late. Checks have been altered : initialed with date upon receiving, requested bank not to release funds for 10 days after receiving, different amount posts and different check number appears on check. The bank depositing the funds is not who the checks are made out to. Monthly periodic statements are not typical 22 to 30 bill cycles. Some go for 45 to 90 day transaction cycles. Some periodic statements never generate and payment sent is unaccounted for. Twice weve received multiple statements with different transactions activity listed all due for same day. Received no explanation as to why we dont receive our annual tax and interest statements. Important information related to the loan disappears and letters are sent to us about requests to update information ( we never requested ). This mortgage company DOESNT service your loan, communicate with you. They commit fraud and now file a default without any explanation, no past due payment on statements, no phone calls, absolutely nothing!!!!!

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 Report Act XXXX, Account : XXXX, Creditor : XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
I don't owe 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 non-monetary relief
Consumer complaint received 2020-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Bank of America debit card received a fraudulent charge of {$200.00} on XX/XX/2020 at XXXX from XXXX WITHDRWL TRAILER # XXXX XXXX LA. I filed a claim on XX/XX/2020 and received a notice that this transaction was " authorized '' and they will be pulling the money from my account on XX/XX/2020. I was not at this location and if requested camera evidence, I would not be there. I have XXXX  receipts of me being over 20 miles away from XXXX XXXX so I could not have physically withdrawn during heavy traffic hours.

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 2020-03-31
Company: Experian Information Solutions Inc.
State: AR
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:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me, there are several accounts that were open under my name that are not mine and need to be removed. Pleased remove these fraudulent unknown accounts form my report as soon as possible. 

DEPTEDXXXX XXXX {$10000.00} US DEP ED XXXX {$34000.00} XXXX   XXXX {$5700.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$7100.00}

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