BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
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:
In reference to my previous disputes with this company I am including the previous dispute numbers XXXX XXXX XXXX XXXX XXXX I am also including a invoice pertaining to my rights as a consumer being violated repeatedly from the start of this process. This company has caused me damaged of time that I will never be able to recoup.

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 2023-03-01
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX RE : Request of support and mediation with Specialized Loan Servicing to avoid the foreclosure of my home Complaint # XXXX XXXX XXXX, Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom it May Concern : Regarding my Complaint # XXXX, attached, I am sending copies of the Qualified Written Requests I sent to Specialized Loan Servicing and XXXX XXXX XXXX XXXX XXXX XXXX as Indenture Trustee for XXXX, asking for information to verify if the investor and servicer complied with the following rules from XXXX to XXXX : TILA transfer of loan ownership notices. Effective in XXXX, provisions of Regulation Z require that new owners or assignees of mortgage loans inform borrowers of a transfer of loan ownership within thirty days after a loan is sold. 
RESPA notice of transfer of mortgage servicing rights. A transfer of servicing rights for a second mortgage triggers obligations under RESPA for both the transferor servicer and the transferee servicer to provide timely notice to the borrower. 
The TILA periodic statement requirements. 

I requested this information in XX/XX/XXXX, and the servicer did not send it to me because " S.L.S. could not respond to the request within required time limits or respond without incurring a cost. '' I think this information is crucial to my case to demonstrate that the investors deliberately stopped communicating with me because, after the housing crisis in XXXX, my property was underwater. The investors of this second loan were almost sure to obtain nothing if they decided to foreclose. Also, it is essential to mention that this loan was part of an " XXXX XXXX mortgage '' originated by a predatory lender right before the housing crisis. 

I would appreciate it if my case remains open until we receive a satisfactory answer from my XXXX or XXXX. 

Best regards, XXXX XXXX XXXX XXXX XXXX. XXXX VA XXXX Phone number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I set up a PayPal account XXXX and as soon as I received the money in my account {$1500.00} they permanently locked me out during the coronavirus crisis making more stressful to take care of my family telling me I can not recieve my money for 180 days. They told me I had 2 accounts that I owed amounts on and that if I paid then that would restore my account and I would have complete access to my funds {$1200.00} after making accounts current which I did no questions but as soon as I paid the locked me out. If i cant use PayPal then why allow me to make an account verify me and then keep my money. I'm not a seller this was only a transfer ONLY. Legally they are not a bank and can only hold funds up to 21 days by law. Now they wont respond of give me my money nor an explanation. They can not keep anybodys money it is not legal. And with this crisis I should not have to apply for government assistance when I legally have my own money they will not give me. I also have photos of conversation with PayPal telling me if I make old accounts current that they would give me access to my money in that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In connection with my purchase of a new home, I entered into a loan agreement with OneWest Bank, a division of CIT Bank, N.A. In order to benefit from a small rate reduction, I agreed to setup automatic payments from my CIT account ( CIT is a  division of OneWest ). My first mortgage payment is not due until XX/XX/2019, however, OneWest withdrew funds from my account on XX/XX/2019. I did not request nor approve OneWest withdrawing these funds. I called OneWest to resolve the issue and I was told they would credit these amounts to my XXXX payment. This is not an acceptable resolution as the effect of such a correction would be my providing OneWest an interest free loan of $ XXXX, and, in addition, I would lose any interest I would have earned on the $ XXXX during XXXX. For these reasons, I advised this solution would not work for me. OneWest did not offer any other solution. 

I can not believe that a lender has discretion to reach into a borrower 's bank account, without the borrower 's knowledge or consent, withdraw funds that are not due under the loan and then refuse to correct the " mistake '' in a manner that makes the borrower whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Square Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Monday, XX/XX/2019 around XXXX, I was trying to help a friend get XXXX home from work because they were stuck. I had told them I would be willing to help them out by sending {$15.00}. I planned on sending the XXXX dollars through cash app, but I mistakenly ended up sending {$1500.00}. I messaged the person and requested the money back from this person but they only sent me back {$500.00} at XXXX. So I requested {$1000.00} back but they declined my request. I then began texting them requesting for the money back but received no response. I immediately proceeded to contact cash app as well as XXXX, my bank because this has over-drafted my account - {$900.00}. My bank, told me they would give me my money back within 3-5 but theyd have to wait till the payment was done processing to start an investigation and file for a claim.Today, Thursday, XX/XX/2019 I received an email from cash app saying there was nothing they could possibly due because the payment had already been processed and the person had withdrew all the money from their account. As well as my bank emailing me about my claim saying that it has been declined. I went to the police station to file a report but unfortunately there was nothing they could do. I still have bills to pay, food to buy but I am unable to do all of this because my check was already deposited into my account. With this pandemic going on it has made things very hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax stupid system only scans dispute letters and assign automatic codes to generate AUTOMATIC RESPONSES to consumers and does not resolve the complaints!! 

This is a terrible process and not only it frustrates Americans who have to try over and over and pay out of pocket mailing expenses to fix an issue, most importantly, it causes NEGATIVE REPUTATIONAL AND FINANCIAL IMPACT to millions of American due hefty and completely unnecessary financial charges when Americans apply for credit with incorrect and subpart credit caused by these shady Credit Bureaus. 

A human does not partake in the dispute process thus even after XXXX dispute letters, Equifax keeps reporting my XXXX accounts as open however these accounts were sold/transferred to PFCP ( which already show on my report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sending this complaint again to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$9200.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$24000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: MN
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, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. 
Names Reported : XXXX XXXX They ( credit reporting agency ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. 

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ) and 15 USC 1681a ( 2 ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft this account does not belong to me this is ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: ALLY FINANCIAL 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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Ally Financial and XXXX XXXX. The Account Opened is Ally Financial Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2023-10-18
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These items are listed on my report that don't belong to me and I have already contacted companies. 

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 with the Fair Credit Reporting Act, XXXX XXXX Account # 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 an account without my written instructions.

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 2021-05-22
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 status incorrect

Complaint:
This is a credit card that is with XXXX XXXX. The only credit reporting agency reflecting this account is Experian. The other two agencies show that the account is closed and no longer should be affecting my credit score. I've reached out the XXXX XXXX and the account is so old that they no longer have any record in their computer systems. There are a number of debt collection agencies that continue to purchase the information which is annoying to say the least. This account should no longer be in my report because it's hurting my Experian Credit score. My XXXX score is XXXX and my XXXX score is XXXX. My Experian Score is XXXX. This should not be in my report any longer.

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 2023-03-07
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-04-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Wells Fargo Bank has late payments on my credit report ( consumer report ) that shouldn't be there. 

I contacted Wells Fargo on XX/XX/2022 disputing the negative items on my credit report. They responded on XX/XX/2022. In this response they have not validated the negative items that they've place on my credit report. They have not provided any contractual document bearing my signature. Also, they did not disclose their verification methods and who they contacted to verify the account information that I'm disputing. Below is a list of a few laws that they've violated. I've also attached proof of their response to me. 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A subsection 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681a subsection 2 - Exclusions : states that the term " consumer report '' doesn't include a report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1692C - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt-

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 2023-08-09
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I dont remember the date exactly but its been awhile but Wells Fargo had switched my checking account to a checking account where I got free checks when I ran out but they were charging me XXXX dollars a month and it had something to do with the checking account also. As time went on I had stop writing checks and I had called to see why they were still charging me the XXXX dollars. So I had called and ask the operator that helped me why I was still being charged the XXXX dollars and he literally laughed at me and said we discontinued that checking program a long time ago and he says he will stop the XXXX I was being charged monthly. I asked him if it had stopped a long time ago than why was I still being charged the XXXX dollars and he says he did not know and he could not help me with that

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 2022-04-11
Company: Exeter Finance Corp.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Exeter Finance LLC I asked them to come pick up the vehicle from the shop because the vehicle kept flooding they refused to pick the car up now the shop wants {$4500.00} for storage and the Exeter Finance still want XXXX on XXXX XXXX. I have reach out to them no solution yet, They now have turn my account over to a third party collection agency

Company response to consumer: Closed with explanation