BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. ARS ACCOUNT RESOLUTION ( Requesting to remove this Unauthorized and unverified Derogatory/ collection account. ) This account is involved in litigation. ( Violation ) XXXX -Status : COLLECTION ( Inaccurate reporting/Unauthorized ) - {$850.00} -Balance updated : XX/XX/XXXX ( inaccurate ) ( This is not my account ) Reporting late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) This account is inaccurate/ Unauthorized and also unverified. REMOVE XXXX. XXXX XXXX ( Requesting to remove this Unauthorized and unverified Derogatory/ collection account. ) This account is involved in litigation. ( Violation ) -Open : XX/XX/XXXX -Status : collection ( Inaccurate reporting/Unauthorized ) - {$600.00} Update this account to be removed and deleted immediately. 

Please respect my consumer laws and honor the changes that are inaccurate and update my report or this is considered a VIOLATION. REMOVE/ DELETE, Pursuant to 18 USC 8, Owe no debt. This company is violating my consumer rights to privacy pursuant to 15 usc 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15 usc 1681 4. If this item doesn't show delete/ Remove this will be considered as a VIOLATION under 15 usc 1681s-2. 

XXXX. Unauthorized inquiries that were violating my report due to no consent given/ I did NOT GIVE NON OF THESE COMPANIES PERMISSION TO PULL MY REPORT. Please remove it immediately. 
- XXXX XX/XX/XXXX ( NO CONSENT ) -XXXX XXXX  XX/XX/XXXX ( NO CONSENT ) XXXX, XXXX XX/XX/XXXX ( NO CONSENT ) XXXX XXXX  ( NO CONSENT ) -XXXX XXXX XX/XX/XXXX ( NO CONSENT ) These companies all violate my rights 15 usc 1681s-2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
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:
Hello my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-02-11
Company: DRIVE NOW ACCEPTANCE LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Im, requesting the following information regarding the sale or auction on the account above. Please provide all documentation showing when and the amount for which the vehicle was sold or auctioned. Please also provide the deficiency balance or surplus amount following the sale or auction of the vehicle as well as the original balance of the vehicle.Next this account is now show open when previously it was reflecting closed derogatory/delinquent. To whom it may concern, I am writing in regard to the above referenced accounts and transactions.. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Sequium Asset Solutions, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, ''This account is involved in litigation. I 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. '' Under the Fair Credit Act law I have every right to remove this unknown collection from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: TX
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 to the Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To : CFPB To whom it may concern ' XXXX see my attached amendment of my complaint against XXXX XXXX XXXX, XXXX Thank u very much ... 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Phoenix Financial Services on XXXX XX/XX/2023 regarding a {$250.00} medical bill bought from XXXX XXXX XXXX. The letter gave the option of sending in their attachment disputing the debt and to have them forward proof this was my debt. I mailed this back on XXXX XX/XX/2023. Phoenix Financial Services failed to forward the proper documentation to prove this was my debt ( I still have not received as of XXXX XX/XX/2023. This is now a collection on my XXXX credit report. As of XXXX XX/XX/2023, my XXXX score for XXXX was XXXX. As of XXXX XX/XX/2023, it is now XXXX taking a significant XXXX XXXX  decrease. The real legal issue is with XXXX. Any outstanding OR paid medical debt of {$500.00} dollars shouldn't be a collection account on XXXX, XXXX, nor XXXX. This collection account needs to be removed immediately. Phoenix Financial Services isn't following Federal law and XXXX should NEVER have placed a medical collection for {$250.00} on my credit report. I'm not requesting this to be removed. I'm demanding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2022 I MAILED LETTERS TO XXXX, TRANSUNION, AND XXXX LETTING THEM KNOW THEY ARE IN VIOLATION OF HIPPA LAWS. I ASKED THEM TO PLEASE PROVIDE ME WITH A WRITTEN CONSENT BEARING MY SIGNTURE, GIVE YOU PERMISSION TO FURNIS THIS INFORMATION TO MY CONSUMER REPORT. THEY HAVE FAILED TO PROVIDE ME WITH ANY INFORMATION ABOUT 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 non-monetary relief
Consumer complaint received 2023-06-04
Company: CNG FINANCIAL CORPORATION
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
There are in fact two or more companies whose MO is exactly same. Initially they used to call and leave message saying a case is being filed in court and need to verify address & asking to call particular number and refer File number. They even had some of my family and friend 's phone numbers and called them as well. Debts are six to seven year old and they are still threatening to file law suit as per their letters. Both letters from different states are identical in nature. Looks like they are using phantom names and mail box as street address. Debt collecteors are required to inform debtor on certain form that this is debt collection but it is not their style. They simply threaten to file lawsuit and report to credit bureau. Their letters show case filed. Have received two identical letters. One from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX and second from XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX. Both have similar content and both seem to be operating from po box . Debt are two old to file lawsuit. Debts have passed two year debt collection limit through lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
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:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for his car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX XXXX {$5600.00} XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$3100.00}

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
Consumer complaint received 2018-08-23
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX I tried to make a purchase on XXXX and it was declined. I received a email from XXXX which I read on the XXXX. I then logged into my account with with XXXX XXXX and found that on XXXX at XXXX an IVR Money Transfer was transferred to XXXX XXXX, confirmation number XXXX for the amount of {$500.00}. 
On XXXX I called XXXX XXXX. My PIN had been changed. XXXX XXXX told me that they would send the necessary forms that I needed to complete and FAX to  them. By Wednesday, the XXXX I still had not received the forms so I called them again. They said they would re-send the forms. I asked them when can I expect my account to be credited the {$500.00} and they said within 45 to 90 days. It is now the XXXX and the mail has come and gone and no forms. 
XXXX XXXX was assigned to me by the SSA. I called the SSA and they said there was nothing they can do even though they assigned me to XXXX XXXX. I called Comerica Bank whose logo is on the card. They also told me that there was nothing they can do.

I XXXX 'IVR Transfer ' and XXXX XXXX came up. It seems that this has been happening for some time ; money transferred and PIN 's changed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 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 have ALL violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Spring Oaks Capital, LLC
State: TN
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:
On XX/XX/2022 I noticed a negative account on my credit report from Spring Oaks Capital LLC. I mailed out a debt validation packet on XX/XX/2022 in a certified letter which was received and signed for by Spring Oaks Capital LLC on XX/XX/2022 at XXXX A.M. As of today XX/XX/2022 Spring Oaks Capital LLC has failed to validate the debt in a timely manner and is still illegally reporting this unverifiable debt to my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: NE
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:
According to the Fair Reporting Credit Act, the credit companies were required to remove any inaccuracies and any errors also unauthorized inquires. These inaccuracies were reported and not deleted as I have established them as inaccurate myself with research into these.

Multiple inquires that were not authorized Two collections that will not correctly be investigated and researched.

Attached are the list of the inquires circled are the ones that were not authorized and the collections that are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I wrote a letter for the fourth time disputing inaccuracies on my credit report with proof of the inaccuracies and how the bureaus are in direct violation of my consumer rights. On top of the obvious violations after they keep claiming account meets FCRA requirements and i just showed on the attachment how they are not. I have a right to claim {$1000.00} per violation i have pointed out. It has been more than 30 days i mailed my letter off on XX/XX/21 and i have not received a response. I dont expect this complaint to become a stall by stating you dont recognize the user when i am attaching you proof of my identity. I demand these accounts get deleted immediately.

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 2017-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened the saving account with BOA in XXXX and at that time there was no service fee associated with it. However I just realized that starting from XXXX XXXX, BOA started charging fee on my account without any notification or justification. I understand bank XXXX change its policy to make more money, but at least it should have their customers being aware of. If I were informed, I might act accordingly to avoid that fee. I called BOA and after explaining the issue to the customer representative, XXXX put me on a very very long hold. So far the issue is still not resolved. I would not mind paying any legitimate fees but what BOA does makes me feel sick. I feel very insecure banking with BOA as the bank would charge me erratic fees without even telling.

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 2023-02-27
Company: American Credit Acceptance, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. XXXX XXXX # XXXX has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681 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 an 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, 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 and 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 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 2023-12-01
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
XXXX XXXX, XXXX  case # XXXX Foreclosed on property by fraud when they did not own mortgage and filing default. Complaint of Foreclosure was by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX but Corrective Assigment dated XX/XX/XXXX and recorded OR XXXX : XXXX XXXX  XXXX and XXXX ) corrects Assignee to Bank XXXX XXXX, XXXX. XXXX owned the mortgage not XXXX XXXX XXXX XXXX. Actually foreclosed on property including property not included in mortgage. The Motion for Default by Green Tree Servicing recorded XX/XX/XXXX uses date XX/XX/XXXX which was witnessed by court as accurate date. Green Tree Servicing LLC did not own mortgage, XXXX XXXX XXXX XXXX XXXX did as of XX/XX/XXXX. ( See Court Docket entry for XX/XX/XXXX Motion to Substitute Plaintiff Ditech Financial LLC XXXX XXXX Tree Serving XXXX XXXX XXXX XXXX XXXX Assigment dated XX/XX/XXXX. Numerous times XXXX included additional property in complaint that was not incumbered by mortgage. This complaint involves criminal theft of property not a part of mortgaged property, fraud, foreclosure abuse including embellishments of property value and condition by XXXX  XXXX XXXX, Green Tree Servicing, Shellpoint Mortgage Servicing, and XXXX XXXX. This mortgage was included in the XXXX XXXX Settlement involving XXXX  XXXX XXXX and XXXX other banks and overseen by independent monitor, XXXX XXXX XXXX XXXX, North Carolina Commissioner of Banks as it was XXXX of the modification applications in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation