BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rent Recovery Solutions Account Number : XXXX Recent Balance : {$290.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : {$290.00} past due as of XX/XX/XXXX Action certified mail sent XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: SC
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:
This is my 2nd request to follow up with you that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-29
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My Venmo account was frozen on XX/XX/2022. I did not receive an email alerting me that my account was frozen which violates their user agreement. After contacting venmo customer support on XX/XX/2022 when I tried to transfer my funds and was not allowed because my account was frozen. The venmo customer support was reading from a script and could not answer my questions so I asked to be transferred to a supervisor 8 times. After being connected to the supervisor XXXX. She informed me that they dont review cases until the consumer brings it to their attention. She also informed that she would be creating an email thread between myself the consumer, XXXX the supervisor, and the account specialist who would being reviewing the account status. I was informed it would take two weeks from the time I brought to their attention to get the matter resolved. They could not provide me a reason after asking multiple times why my account and money was frozen. I have {$1200.00} sitting in my venmo account currently frozen. I was also told that this is happening a lot so they are busy. I received the email thread from XXXX on XX/XX/2022. I responded to the email thread on XX/XX/2022 asking for a status update. Just looking to see if it was even in the process of being reviewed. I received no response from XXXX or the account specialist team which I was promised from XXXX that the thread would be used for updates as well as her personally following up on the status and updates. I called again today XX/XX/2022 I asked again for the reason my account was frozen. They could still not provide me a reason. I asked for a status update they could not provide this as well and was informed it can now take 3 to 6 weeks in order for me to regain control of my account and funds. If possible I would like help regaining control of my finances being frozen by Venmo for no clear reason that they can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: RS Clark and Associates, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
R S Clark refuses to take a debt from XXXX XXXX XXXX off of my XXXX report. It should not be there as it is a medical bill under {$250.00}. They removed it from my XXXX report but refuse to remove it from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Square Inc
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX my Cash app account was hacked and {$630.00} was stolen from me. I emailed cash app several times and on XX/XX/2021 cash app sent an email that this issue had been resolved and the $ XXXXwas credited back to my cash app account. Cash app credited this money to my old cash app account which was hacked. On XXXX XXXX I attempted to log into my cash app account and was unable to. I have sent cash app several emails asking for help to log into my account. Every representative that has responded back is not giving a resolution to the problem. I have asked Cash app to forward the credit to send the credit to my new cash app account or mail the credit to me in the form of a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a victim of identity theft.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX. 
ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX 15 USC 1681 section 602A States that I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) 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.

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 2020-09-28
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
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:
On XX/XX/2015, COLLECTION BUREAU OF HUDSON VA added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused at any point in time from reporting date. A bill without a signature does not validate the debt and anyone can send a bill and make false claims. According to the FCRA COLLECTION BUREAU OF HUDSON VA has violated my rights as s consumer and i am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Discover violated my consumer rights. Case No : XXXX XXXX U.S. Code 1691 ( d ) ( 3 ) A statement of reasons meets the requirements of this section only if it contains the specific reasons for the adverse action taken. i was never sent the specific reason why i was denied access to my own credit. 

15 U.S. Code 1691 ( d ) ( 2 ) ( B ) ( i ) the applicants right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification. I received a letter dated XX/XX/2021, this letter has no Adverse Action on it, nor was it within the 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: PLAZA HOME MORTGAGE, 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: Account status incorrect

Complaint:
I have sent notice to XXXX  credit report where my mortgage company says i didnt pay XX/XX/2018 payment i paid XXXX cents on XX/XX/2018. My payments areXXXX a month .i cant and dont know why this happens every month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-11-20
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
THE FOLLOWING INQURIES ARE UNLAWFUL AND FRAUDULENTLY LISTED ON MY CREDIT REPORT. THESE INQURIES SHOULD BE REMOVED IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: PA
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-10-25
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
My union lawyer is trying to get documents showing my Coop is paid in full. Mutiple emails and phone calls main and no response from Ever Bank. I have a sale in progress which is about to fall through due to the bank not responding. The bank opened a second XXXX several years back but only closed the first one. The second one is still open even though it is paid in full for several years.

Company response to consumer: In progress
Consumer complaint received 2023-05-04
Company: Security National Financial Corp
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For XXXX XXXX : XXXX. We have had Insurance through XXXX on the property since XXXX. In XXXX, Security National bought Insurance for us through their parent company, XXXX XXXX, DESPITE us submitting proof of Insurance several times through their third-party, and faxing to them many times. They kept telling us they didn't receive even though we had proof. AFTER buying it in XXXX, they had to refund it to us after we proved we had it. They did the SAME THING in XXXX despite us sending them PROOF OF COVERAGE FOR XXXX numerous times. It was the same Insurance Company and we followed the same process and have tried to get a refund the mistaken payemnt several times but they have sold the loan and have stolen our funds and their customer support staff is clueless. I sent the proof of coverage ( attached ) and have asked the mt o fix it but they are clueless and have stolen our funds.

See attached : XX/XX/XXXX : They bought Hazard Insurance for {$4700.00} from Security National saying we didn't have Insurance but we did and sent it numerous times. 

XX/XX/XXXX : they paid our new Insurance Provider {$1600.00} from escrow for XXXX. 

SEE MY ATTACHMENTS THAT I HAVE SENT TO THEM MANY TIMES. 

NOTHING WAS RETURNED> They never refunded the insurance they bought from their own company and it's theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to get a method of verification with PENN CREDIT Corp to the point I even went as far to connect CFPB last month to get it resolved, Penn Credit responded by stating that I agreed to pay the debt I owed during a phone call which this is absolutely not true, I never verified the debt was mine but at that point I was so frustrated I was almost willing to pay it, they sent out account statements which does not verify anything. They never stated how they verified the account or any documentation supporting this actually being my debt. I do not feel its appropriate to pay debts that are not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had my credit card with Wells Fargo ever since XX/XX/2023 with a credit limit of {$4500.00}. I destroyed all my credit cards except for this one. I planned a trip recently and to only use this credit card on XX/XX/2023 to XX/XX/2023. This was the only card I had on me. I left out of town and my credit limit was decreased from {$4500.00} to {$2300.00} and my balance on the card was {$2200.00} leaving me with nothing to charge and I couldnt use my card to make reservations with. I called Wells Fargo to figure out what had happened, the first rep said it was strange that it did happen and the second rep said there was nothing they could do and asked me if I could find a family member or friend to loan me money after I expressed to her that I only had Wells Fargo credit card only. This left me in a horrible pickle, as I was XXXX XXXX hours away on my trip to discover this issue. I had to get my credit pulled right then and there to see if l could have for my credit limit back of {$4500.00}, then was told I had to wait 5 to 7 days for a response. Ive been in banking for over 10 years with a great payment history with my creditors and this has never happened to me.

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: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During the month of XXXX and XX/XX/2021 received numerous calls from an unrecognizable number and robocalls from XXXX XXXX XXXX  regarding a debt supposedly owed. 
Upon speaking to someone on XX/XX/2021 ( first communication XXXX the person informed me that they were trying to collect a debt/loan from HSBC bank. I asked the amount she told me in the amount of XXXX or more. I did ask the date of the debt but I can not recall the timeframe. I asked for account number to the alleged debt none was provided. She asked my PII such as last four of social, my previous residential address, the last four of my drivers license number. I explained to her that is not my debt and never had an account with HSBC. She asked me did I want to dispute it I said yes. She asked would I appear for court and pay all legal fees I said yes because I do not know what this is in reference to. That was it. No other information from this company was given. 
2nd telephonic communication on XX/XX/2021 I spoke with a XXXX XXXX. I tried to get more information out of him he told me I would only receive something from XXXX XXXX Court and that it will be received via being served to my place of employment or residence. He also verified my PII ( personal identifiable information ). He gave me an account number and then after telling him again that I did not have an account with HSBC he said he would shoot it back to their underwriter to double check the information and that maybe my information was cross matched with someone else. That process was going to take 7-10 business days. I even asked him why haven't I received anything ever from them or HSBC or the XXXX XXXX court which is the response they hadn't approved the " order '' yet, but then checked a system and said it was accepted on XX/XX/2021. 
On XX/XX/2021 I then contacted HSBC in the charge off department to find out if they had any information on me regarding this account via my social security number because I could not get an account number from PT Account Management. HSBC could not find any information but did say that they could find out more if they had the exact account number. 
I tried calling XXXX XXXX XXXX again on XX/XX/2021 at XXXX XXXX. Someone answered " mediation '' as they did on previous calls and told me to hold. I held for 8 minutes. They never got back to me. They have caller ID and knows who is calling and I know that because on prior attempts of calling they would not answer and kept forwarding my calls to another extension that no one ever came back to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Around XX/XX/XXXX, I set up online monthly automatic payments for my mortgage with JP Morgan Chase Bank. On XX/XX/XXXX, then found out that my credit score dropped XXXX points and I investigated why. Turns out that after XXXX setup automatic payments through the online portal, for some reason the money wasn't being taken out and this had a huge impact on my credit score. 

Upon finding out the account was past due on XX/XX/XXXX, I immediately paid the full balance for XXXX and XXXX and became current on all payments. 

I was never contacted by chase via phone or email so I was unaware of the late payment that was due. 

I had more than enough money in my accounts to easily cover the mortgage and would gladly have done so if I was notified, which I was not. 

I am always on time and prompt in payments and have never had an issue as my record will show. 

This was an error in their online payment system and I suffered a XXXX point credit score hit as a result. 

I demand that this late payment be removed from my credit score as this was a result of their faulty online payment system setup.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: JPMORGAN CHASE & CO.
State: NJ
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:
XX/XX/2018 Chase Card reported unrecognized hard inquiry on my XXXX   credit report

Company response to consumer: Closed with non-monetary relief