BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: SLM CORPORATION
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon. 

I am stopping all communication through medians other than that through Mail, this is including that of my consumer report. I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail and that all other mediums are cease and desist at once. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my Unlimited credit file and also the fact that there is a credit FILE and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. Send me the verification/ validation below with the file of where and whom the debt was originated from also who was spoken to that furnished this info. 

Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-11
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
( THIS IS THE SECOND TIME IM WRITING THIS, BECAUSE YOUR WEBSITE ERASED MY TEXT WHEN I TRIED TO SUBMIT IT THE FIRST TIME ) False and misleading messaging in an email from Discover Card. 

Discover card sent me an email stating they had " Received my payment! '' I owe Discover card {$63.00} this month. 

I have not had more than {$30.00} in my checking account this month. 
Therefore it is mathematically impossible that they have " received my payment ''. 

I contacted my bank, XXXX, and inquired if payment had been made. They informed me there were no processed or pending transactions for {$63.00} to Discover. I contacted Discover, spoke with no less than 3 support agents, and was informed that they had received a check with my name and checking account debit information on it. XXXX informed me that they had not issued such a check. I suspect this was a pre-produced check authorized as part of a paydown plan, which I vaguely recall having agreed to. 

Regardless, a check / authorized debit attempt is not a " payment ''. It is a payment attempt. Payment is not made until it has been processed by my bank and debited from my account. Discover cards email messaging should reflect this accurately, and not offer misleading information that leads me to believe I have made payment and don't need to worry at the moment about ensuring I have sufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Rausch Sturm LLP
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The attorney continues to lie in court in his attempts to obtain a favorable judgement for the debt. Moreover, I have no legal proof that this office is permitted by law outside of this summons to collect on the said debt. Such is my legal right under Fair Credit Reporting Act ( FCRA ) as well as the Fair Debt Collections Practices Act governed by the Federal Trade Commission. The plaintiff admits this much in the brief stating there has been no assignment of the debt. Therefore, my communications at this time should only be with the furnisher in accordance to FCRA. 

The attorney of record, XXXX XXXX makes the false statement repeatedly " that I have never objected the debt during the life of the account. Which is a deliberate lie. He is aware of this because not only have I made the same statement repeatedly while he was present in hearings, I have also stated this concern to their office in writing. Yet, XXXX XXXX continues to outright lie, under oath in briefings saying that I have never objected the account in any way during the life of the account. Which is simply untrue. Now, if I, under oath lied, I would be guilty of perjury and charged with contempt of court. Is XXXX XXXX, a lawyer who has taken not subject to the same oath I was sworn under in these court proceedings? Is he above reproach and the rules that govern the court because he is acting in his vocation to collect a debt? What about the oath he has taken with the Michigan XXXX XXXX to : maintain the respect due to courts of justice and judicial officers ; employ for the purpose of maintaining the causes confided to me such means only as are consistent with truth and honor, and will never seek to mislead the judge or jury by any artifice or false statement of fact or law ; in all other respects conduct myself personally and professionally in conformity with the high standards of conduct imposed upon members of the bar as conditions for the privilege to practice law in this State. 

He also continues to collect a debt in which he or his office doesn't have assignment over which violates FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC ( the XXXX XXXX ) currently owns the Account, having acquired it on XX/XX/XXXX. 
As of XX/XX/XXXX LVNV Funding LLC is in violation of the Statute of Limitations in New York State.

N.Y. Civ. Prac. L. & R. 214-i states a creditor or debt collector only has three years ( from the date of the last payment on an account ) to sue someone for a debt they owe. 
A pending lawsuit on this Account with case number XXXX in the Civil Court of the city of New York XXXX County of XXXX XXXX New York must be ceased along with any further contact or communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received {$300.00} from a friend for a face mask on XX/XX/2023 on Venmo. I have been using Venmo for over 4 years and have plenty of large transactions on the app. Right after, I tried to transfer the {$300.00} to my bank account and my debit card ( the fast way ) but both failed. Not until the 5th try with my debit that I received a notification that my account was frozen. I reached out to chat service and they said that I will be reached out to in 5-7 days and WILL BE ABLE TO GAIN ACCESS AFTER GIVING THEM INFORMATION. However, I received a ridiculously curt email stating that As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. NO EXPLANATIONS!! its ridiculous that this happens after Ive been a long time user and conveniently when they could hold {$300.00} ( how is that legal- that is rightfully MY MONEY- my friend will chargeback if must ) to earn interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 i sent a letter regarding inaccurate and unknown thing on my credit report to this day over 60 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I enjoyed my relationship with Nordstrom/ TD Bank USA and appreciated the services they extended to me in the past. Past financial issues caused me to miss payments despite my best efforts to always be on time. I wrote to see if they would be willing to make a goodwill adjustment to the reporting of the three credit agencies. 

During the time of service that I had with their company, I was unemployed for a year following being laid off from my job. In XXXX of 2022, my unemployment funds were depleted and by XXXX of 2022, I was being evicted from my apartment. I strived but failed to complete payments on time. 

I want them to know that I understand my financial obligations and if it werent for my lack of funds, Id make an excellent repayment record. Ive had the misfortune of falling behind but I have been committed to cleaning up my mishaps and I believe these missed payments do not reflect my creditworthiness and commitment to repaying my debts. 

I am kindly asking that the company considers this and assist me in improving my current circumstances. Im planning to apply for an apartment to resolve my homelessness and its come to my attention that the collection on my credit report could hurt my ability to qualify. It would help immensely if the company could give me a second chance and make a goodwill adjustment to remove the collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an XXXX XXXX report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$5200.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$70000.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/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 2022-04-21
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: Credit inquiries on your report that you don't recognize

Complaint:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.

Need to delete Inq : 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 non-monetary relief
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wrong addresses and phone numbers on report. XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX, XXXX XXXX XXXX XXXX XXXX Ar XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ar XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX # XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, phone # XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: CMG MORTGAGE, INC
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX Sent message through account saying that my loan was not reported to credit bureaus and wondering why. 

XX/XX/XXXX Tried virtual chat ( as directed ) three times. Unsuccessful. In my last chat I requested a call by a customer service manager. I wanted to talk about the chat people who disconnected on me twice. 

XX/XX/XXXX Sent message through account and attached a copy of my XXXX  credit report. I stated that the credit request was there ( twice ) but that there was no mortgage. Can CMG add it on for me and my husband? 

XX/XX/XXXX I was called from XXXX from CMG Customer Service @ XXXX XXXX ( XXXX XXXX XXXX. I told him about the chat people who hung up on me and I told him why I was calling. He said he would put an inquiry in [ nothing happened here, no call back or anything ]. 

XX/XX/XXXX I sent a message following up on the XX/XX/XXXX inquiry. 

XX/XX/XXXX I received a reply to the message that a letter was sent on XX/XX/XXXX ( I did not get it yet ) and that I got a copy sent by email. 

XX/XX/XXXX I replied that I did not get the letter or the email, to send the email again. 

XX/XX/XXXX Text of letter sent to me by message. In it they said this : As a servicer, we are bound by contract with investors to report to the credit reporting agencies. The Fair Credit Reporting Act ( FCRA ) requires that if we report, it must be accurate. We note that your correspondence does not specify which payments were inaccurately reported, nor does it supply supporting documentation that shows funds were received in a timely manner. We are, therefore, unable to accommodate your request without proof that refutes our previous reporting. 

XX/XX/XXXX I replied and said I sent you my credit report on XX/XX/XXXX ( since the letter says I did not supply documentation ). I asked why CMG wasn't reporting my mortgage. 

XX/XX/XXXX CMG replies " Our records indicate the credit has been reported each month as current. '' XX/XX/XXXX I checked the credit report again. It is not updated with the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been attempting to get a Pay Off Quote from PHH Mortgage Company ( https : //www.phhmortgage.com/ ) for almost 4 starting on XXXX the XXXX, I contacted them and spoke with a rep who put in a request on XXXX the XXXX, I then contacted them on the XXXX to request a status as they had not faxed the loan they stated it would be another 24 hours. I contacted them again on the XXXX after not receiving the fax and they said it would be either that evening or tomorrow. I contacted them again on the XXXX, and advised it would be another 24 hours. I advised this was not acceptable and they explained that an internal department was delayed in processing. I then requested to stay on the line until this was resolved and spent the next 25 minutes explaining why I needed this quote this week and it shouldn't take 4 business days to process. The advised no matter what it would be another 24 hours which is what has been stated all week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: CO
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 attempted to dispute multiple items on my credit reports, XXXX, Equifax, & XXXX for items with balance of {$100.00}, {$650.00} $ {$120.00}. I have asked that such prior creditors provide proof of explained charges and all pertinent info relating to reported balance however i keep getting remarks back from credit bureaus as " verified as Accurate '' As per the federally protected consumer rights violations under 15 USC 1692i, I believe i have a reasonable case to submit further claims and letters, including to XXXX and Attorney general 's office with my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim with Wells Fargo on XX/XX/2021. On XX/XX/2021 I went to the ATM machine at XXXX XXXX and XXXX XXXX in XXXX, FL XXXX. The ATM did not dispense the {$100.00} that I requested. When I checked the balance it showed the {$100.00} was gone. I immediately went into the branch and complained to the bank representative. He said he was aware that the ATM was not functioning. He said that when they tally the machine at the end of the day, they will see the overage and refund me my {$100.00}. The claim # was XXXX. When the money was not returned the next day I called to register a complaint. I spoke with XXXX at XXXX. He said that there was a different department that handles the research and there is no number that I can call to speak to someone in that department. It was not until XX/XX/2021 that they returned the {$100.00} provisionally. Now on XX/XX/2021 they reversed the {$100.00} credit and closed the claim. I called XXXX @ XXXX and he said that when Wells Fargo did their research, the ATM machine did not show an extra {$100.00}. This goes back 2 months and I am not sure if the Bank rep would remember that the ATM was down on XX/XX/2021. There should be a record that the ATM was malfunctioning whether or not they can see the extra {$100.00} or not. I do not know the name of the branch representative This is 100 percent fraud on Wells Fargo account as they had a bank representative acknowledge that the ATM was down.

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 2021-08-26
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The consumer finance bureau has picked up a debt that was originally held by XXXX XXXX who determined that this and another debt were paid by my insurance and the debt collections were unfounded. I was not a patient of XXXX by 2016.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
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: Account status incorrect

Complaint:
On or about XX/XX/2023 I filed a complaint with the CFPB requesting XXXX XXXX to validate a debt they are reporting on my credit. On or about XX/XX/2023, XXXX XXXX XXXX responded that they were not able to validate the debt so they are going to terminate collection actions and notify the credit bureaus to delete tradeline. However, it's been 60days since and Equifax has not deleted the tradelines. Their actions is causing me pain and suffering and violating my rights. I am considering a lawsuit if tradeline is not deleted in 7days from receiving this complaint.

Company response to consumer: Closed with explanation