BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: Atlanticus Services Corporation
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My complaint is with Fortiva XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. This company has made unauthorized debits to my account that the monies have exceeded the amount balance. When this instance first happened, I contacted Fortiva in XX/XX/2022, and they stated that they would reverse the charges and send me a check and I should wait XXXX XXXX XXXX  days. I waited as they requested and noticed their statements did reflect a change in the account but I never received any of my funds. During the month of XXXX they charged my account again. When I advised the Representative of the company, ( The name he gave was XXXX. ), that I had not authorized these large payments nor did I receive the previous funds, I was told that I would have to send them my Bank Statements to prove that I had not received their check. My response to him was that his company should be able to verify that the funds had not been cleared from their bank. I further told him that having them to review my bank statements is an invasion of privacy and they have no right to make such a request. I have emailed them about this issue as recently as today since we are beyond the XXXX  day timeframe that was given, and that they now owe me a grand total of {$3400.00}. I have suffered major financial setbacks due to their irresponsible business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX XXXX On XX/XX/2023 I received a payment from XXXX XXXX in the amount of {$1500.00}. On XX/XX/2023, i initiated a full refund to the sender. Instead of refunding the buyer the payment she sent, paypal took the refund out of my bank account because I did not provide my ssn. I went ahead and updated my ssn. The money is still being held. Basically paypal refunded the sender her payment with money from my bank account while holding the payment she sent me. 

Im requesting paypal to deposit the money back to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a certified HIPAA letter to Americollect via USPS mail tracking # XXXX. The USPS website shows they received the letter on XX/XX/2020. In the letter, I requested a response in writing within 10 days advising they were processing the request but I did not receive any response. Per the FCRA guidelines, the creditor has 30 days from the date of receipt to respond/investigation to be complete or else the item must be removed from my credit file. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) validation of this debt must be produced within that timeframe. Neither was done in a timely manner. 

This item was previously disputed a few months prior and was removed from my XXXX and XXXX  report but still remains on my XXXX  report hence the reason I submitted another dispute on XX/XX/2020. 

I contacted the creditor, Americollect on XX/XX/2020 to request that they remove this debt from my XXXX  report for failure to comply with the turn around time according to the FCRA 30 day timeframe. I spoke with XXXX, a supervisor for Americollect and she advised me they completed their investigation on XX/XX/20 because they had to wait for the original creditor to send them validation. I explained to XXXX, regardless of the reason, per FCRA they must remove this debt from my credit file b/c they were past the 30 day turn around time to complete their investigation but she refused to do so. 

I am asking that this item is removed from my credit profile immediately as it is not valid, a breach of security according to the FCRA ( 15 U.S.C 1681 subtitle D of the ARRA, SEC. 13401 ) and was not responded to within the 30 day timeframe also per FCRA guidelines. 

Best Regards, XXXX 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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Ive been a victim of identity theft and several accounts have been open by someone who stolen my identity, the account are XXXX in the amount of {$750.00} opened XX/XX/18 and XXXX {$3000.00} opened in XX/XX/18 I reported the accounts to the FTC

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 2022-03-26
Company: ENOVA INTERNATIONAL, INC.
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime within the past year I applied for an account with NetCredit and was approved for a credit line of {$3800.00} which I never accessed due to extremely high interest and finance charges. In XXXX I discovered that my XXXX credit report indicated the line of credit was open and reporting a balance of {$4600.00}. I never requested advance of the account fund, never received funds to my bank account, and became unable to access my account online. I have disputed the account with the credit bureaus, filed an identify theft report with the FTC, and contacted the company directly with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Experian Information Solutions 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:
XXXX XXXX XXXX The results of the requested investigation did not produce the documentation of that investigation or update my credit profile. Therefore they have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2022-03-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 states a consumer can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Subject : False Reporting Dear XXXX, I hope this email finds you well. I am writing to express my deep concern and frustration regarding the false reporting of my credit information by your company. Despite my best efforts to resolve this matter amicably, the false reporting has had a significant negative impact on my creditworthiness and financial standing. 

You are continuing to report MID ATLANTIC FINANCE account as " open '' when this is a " closed account ''. I have sent in NUMEROUS disputes requesting you to investigate this account ; however, your response continues to be " this account is verified as accurate '' Really? This account has been closed for YEARS!!! 

I believe that the false reporting has been caused due to negligence or intentional misconduct on the part of your company. These inaccuracies have resulted in severe consequences, including the denial of credit, higher interest rates, and financial hardship. I have taken all necessary steps to rectify this issue by disputing the false information with your company, to no avail. 

Based on the provisions of the Fair Credit Reporting Act ( FCRA ), I am hereby providing you with a formal notice of my intent to sue your company for the damages caused by the false reporting. The FCRA provides me with the right to seek legal recourse for violations of my rights as a consumer, including compensation for financial losses, emotional distress, and reputational damage. 

I kindly request that your company take immediate action to rectify the false reporting and provide me with a written confirmation of the corrections made. Additionally, I request that your company compensate me for the damages I have suffered, including any legal fees incurred during this process. 

Please be advised that I expect a written response from your company within [ reasonable time frame, e.g., 30 days ] from the date of this letter. This response should include details of the actions taken to rectify the false reporting and the compensation being offered for the damages suffered. 

I hope that we can resolve this matter amicably and without the need for litigation. However, please understand that I am prepared to pursue legal action to protect my rights and seek the compensation I believe I am entitled to. 

Delete this account for inaccurate reporting, false reporting and failure to investigate and provide supporting documentation of this alleged " open account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite previous written request, the unverified accounts listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed by Chase and withdrawn by Chase fraud team and under review. I have wait for over 1 month. It's around {$9000.00}. They don't give me a date when can I receive my money and they took money away from me. I don't have any money to pay bills and rent. This is the only account I have. All my money is in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: OH
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:
Ive contacted XXXX XXXX XXXX regarding payments and I spoke with XXXX. I know it's been a rough year for everyone, including myself. However, today has become much harder due to a notice I received from the credit report agencies ( XXXX, Equifax, & XXXX  ) stating theres a 30-days delinquency reporting for XXXX XXXX XXXX. I was affected by the coronavirus pandemic, but my account is current. According to the CARES Act : If my account is delinquent and I make an agreement to bring my account current, the creditor must report that I am current on my loan or account. 

Please remove the 30-days late payment and update my credit reports reflecting current status. This will help me get back on track. 

This has hurt my credit tremendously. My taxes are still being processed since XXXX. My unemployment payment was released due loss of income due to Covid-19.

The CARES Act places special requirements on companies such as XXXX XXXX XXXX, that report any payment information to credit reporting agencies. Those requirements apply to me as a consumer because I was affected by the coronavirus pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CSS is reporting a balance I not owe on behalf of XXXX XXXX for car insurance. I never owned a XXXX never had one registered to me. 

They do not have my correct address to have notified me of this collection I. 


I have never owned or purchased a XXXX and I pay my insurance in advance for a XXXX XXXX and XXXX. I went to the DMV to see if there was anything I could get showing it but they stated that the car wasnt registered to me so there was nothing I could do but belong to XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I pay my mortgage 2-4 weeks in advance of the due date. My payment for XXXX was made prior to me receiving information that it was increasing due to an escrow shortage. I made up the difference and paid my XX/XX/XXXX2023 payment. On XX/XX/23I continued to receive text messages asking to make my XXXX payment. I called that night to find out that they didn't apply my payment as a payment for the month of XXXX or XXXX but rather applied it toward principal. This resulted in a junk late fee of {$50.00} and is impacting my credit score. The young lady I spoke with stated that she would correct it while we were on the phone but that I would still need to pay the XXXX XXXX I did immediately. Today I logged on and noticed nothing has been corrected and the account still reflects that I owe an XXXX payment. The young lady I spoke with Monday stated that " Rocket Mortgage has the right to apply any payments how they see fit ''. She also stated that if I made the additional payment of XXXX $ Monday evening that would avoid any further late fees. But none of what she advised has occurred. This isn't right and it's unfair and deceptive to the consumer as it causes harm to credit reporting. I believe that there are UDAAP and FCRA infractions here along with Reg Z. I just want this corrected and resolved as I've done everything that was advised by Rocket Mortgage. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: National Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested verification of the debt National Recovery Solutions LLC claims that I owe on XXXX separate occasions. They have failed to send anything other than a requests for payment. They once sent me a collection with double the amount the original collection said. This company runs on an unsecure website and expects you to put your personal and card information, no thanks. Past that, they can't prove debt owed. The only " verification of debt '' sent to me was an amount {$6000.00} less than what they are claiming I owe, which that debt has been settled with the appropriate facility. 
At this point this company is assumed a complete and utter fraud. Unsecure site, refusal/inability to verify debt, and different collection amounts being sent at different times ranging from $ XXXX {$16000.00}. This is harassment and against the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation