BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: DISCOVER BANK
State: IL
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:
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, Nor is it a request for statement copies, but a request for VALIDATION made pursuant Fair Debt Collection Practices Act, 15 USC 1692g. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: AE
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:
Put hard credit inquiry on my credit I don't recognize or authorize on XXXX XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted my PSLF application to FSA over a year ago, XX/XX/2022 and I am still waiting for them to update my employer 's eligibility status from undetermined to approved. I used the PSLF help tool and submitted additional supporting documents to include a supporting letter and a copy of my employer 's articles of incorporation and bylaws as suggested. My loans have been transferred to Mohela and when I contact them regarding the status of my PSLF application, they state that they are waiting for FSA to determine my employer 's eligibility. I've been contacting FSA to get this information but they continue to transfer me back to Mohela. Both parties continue to transfer me back and forth and no one is helping to provide a status update or review the supporting documents and application that I submitted a year ago. Is it possible to get my issue escalated or resolved asap?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX I received alert on my report I called company and ask what was this for and the customer service rep was very rude and told me that it was a debt that I owe and need to pay and I ask her what was the debt and she told me that I should know what I sign for. So my mom told me what she thought is was and I explained to the lady that I spoke with someone in the office during this pandemic and let them know I lost my job shut down COVID 19 and also due to stay at home order by state government. And they told me they would get back to me and no one never got back with me to let me know the next step that I can take to try and continue payments. Im in all kind of programs to help me with my children also still struggling I Was diagnose in XXXX with XXXX and XXXX XXXX  which I struggle XXXX not to include my XXXX due to XXXX  can someone please help me with this situation. Lost to grandparents due to COVID so seeing this is very stressful

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting 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 am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. 

See below : XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Ive been receiving letters from Shellpoint Mortgage for several months stating they require proof of insurance. Ive provided proof of insurance each time, as well as called them to confirm receipt. Each time Ive called ( 6+ times ), they have confirmed proof of insurance receipt and that our account would be updated, and that we would not be charged. However, were still receiving letters and are now being charged an additional {$1200.00} each month. This is harassment and these charges are fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-15
Company: ADP Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XX/XX/2019 Case # XXXX *Inaccurate information regarding sentence length of incarceration.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, 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, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Sections 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: TX
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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

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 2023-01-14
Company: Experian Information Solutions Inc.
State: VA
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:
have tried to tell XXXX and experian that the information they are providing are wrong.. I need XXXX XXXX  REMOVED FROM MY ACCOUNT AND I Need XXXX account REMOVED ASAP. PLEASE SEE BELOW LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681s2 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.

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 2021-03-11
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Two months ago I noticed that XXXX was listed as a debt from XXXX. I recalled that I was XXXX and XX/XX/XXXX just occurred and I dropped out of school and my Grandmother gave me the {$500.00} to repay my XXXX XXXX  to XXXX on XX/XX/XXXX for my birthday because she understood that I lost some close friends and didn't want to continue at that time. 

Currently XXXX a company UAS is claiming I owe them ( an agent of XXXX University ) XXXX ( XXXX + interest ). I was able to obtain a summary of my account with a zero balance because I paid. 

UAS is requesting a copy of a check/money order before removing the default status from my records. I explained that I used my birthday gift from my grandmother to pay this debt. I further explained that I didn't have a bank account as a XXXX XXXX XXXX entering college and paid cash for everything that I got from my grandparents and other family members. 

UAS is saying if I can not produce a document that does not exist that I am responsible to pay {$680.00} for a debt of {$500.00} which I had already paid. I also emailed them the XXXX balance document provided by XXXX 's accounting team. 

I asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  ) UAS  representative to speak with the account specialist that makes the decision and I was transferred to XXXX XXXX - supervisor who echoed that I have to produce a check/money order from XXXX! 

I would like for XXXX/UAS to remove this erroneous account and status from my records so I can continue to go to build my future ( credit profile and finish school ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: ZIONS BANCORPORATION
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
around XXXX I had a bank account with NEVADA STATE BANK XXXX ACCT : XXXX ) which my card was used and over {$500.00} was spent without my authorization while I was sleeping in my bed around late 2018. My bank card was used with me being present and the it showed as a pending transaction is what I awoke to notifications on my phone. I called and reported it to customer service, and they found I was a victim of identity theft and returned my money. I withdrew my funds and closed the account the same month. NEVADA STATE BANK did not close my account and allowed my account to accumulate excess fees which overdrawn the account after i called to close it months before being that I was an identity theft victim and never used my card but to withdraw from the banks atm only. I suspect someone working inside the bank 's branch was stealing customers account, bank card and personal information this is why I closed my account now I have a collection and ChemSystems for {$250.00} from OUTSOURCE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, UT 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 2021-08-30
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I opened up a CoinBase Pro account on XX/XX/21. I did not place any funds into the account nor did I purchase anything. On XX/XX/21, my bank statement read two {$200.00} charges to " XXXX  transfer to XXXX '' which I did not make. My credit union could not follow up on these charges, citing that they were a 'cryptocurrency issue ' so I'm left with a {$400.00} charges that I have no idea how they were made nor do they show up in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
on XX/XX/2021, I went to use my debit card at the store and it didn't work I thought it was the chip on the card that was broken, so I went on the app to check the account to see about the funds on my account and I couldn't access the account they had closed my account without telling me. I called them up at that time, and they told me that I should get the notice of the closing of the account in a couple of days, now I have money in that account and a deposit that goes in every week from work. I have bills that I need to pay and now I have to wait 2 week for them to send me a check and I can't even access my statements to know what has been declined because I don't have that account anymore, and my paycheck I don't know how im going to get that money and have to wait for me to get an account somewhere else so I can have it deposited.. please help me I have bills to pay and need gas to work.

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 monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: TX
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:
fcra and ftc violations,15 u.s code 1681 e ( b ) -accuracy of report, 15 u.s code 1681 i- investigations,15 u.s code 1681 i ( 5 ) ( a ) ( i ) - account deletion, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you. XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} 15 u.s code 1681 e ( b ) -accuracy of report 15 u.s code 1681 i- investigations these addresses are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-14
Company: AR Resources, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX, date of birth is XX/XX/XXXX, XXXX is XXXX. 

AR Resources XXXX XXXX XXXX needs to be removed from my credit for the following reasons : The alleged dollar amount is incorrect. I received correspondence indicating that {$240.00} was owed ( see attached ), then correspondence alleging {$200.00} was owed. 

Nothing is owed and nothing was ever owed. This was paid by insurance. Although not owed, the alleged debt was paid on XX/XX/XXXX ( see attached ). 

Further, paid medical debt that was in collections can no longer be included on consumer credit reports ( see attached ). 

If this is not removed on or before XX/XX/XXXX, I will be filing suit against both XXXX XXXX and AR Resources. 


Thank you for your time and attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
I have an account reporting on my all three of my credit reports from XXXX XXXX, I am a victim of identity theft, I disputed the charge with XXXX and the account was reported again as a valid debt, I would like to know what information was used to show that this debt is valid, I want validation of the debt showing that it belongs to me, I never had an account with XXXX, I need the original application and proof that I opened this account. I do intend to file a suit if this information isn't corrected and removed from my credit report.

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 2023-09-20
Company: R.T.R. Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from RTR Financial Services that I owe {$2100.00} to XXXX XXXX XXXX. 
The collector did not provide any agreement with their client that grants them the authority to collect on this alleged debt ; an agreement that bears the signature of the alleged debtor wherein agreed to pay the creditor ; Any insurance claims have been made by any creditor regarding this account ; Any Judgments obtained by any creditor regarding this account ; did not provide me with copies of any papers that show I agreed to pay what you say I owe ; proof that the Statute of Limitations has not expired on this account ; proof that you are licensed as a collection agency in the State of New York ; did not provide the name and address of the bonding agent for RTR Financial Services in case legal action becomes necessary.

Moreover, they responded with a bill from the Hospital with the list of procedures. This is a violation of HIPAA. I did not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. They did not provide a copy of my signature with the provider of service to release my medical information to you.

Company response to consumer: Closed with explanation