BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: SC
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:
15 US 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: FL
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:
I have a major real estate loan closing and I am at risk of losing tens of thousands of dollars due to an item reporting inaccurately on my report. The XXXX XXXX Acct # XXXX is not accurate at all. In my recent disputes this item was deleted by XXXX because they realized it was not reporting correctly so I am requesting that Experian and XXXX also delete the item as well. I submitted complaints to the three main credit bureaus XXXX, Experian, and XXXX and it was deleted my Equifax. This item was verified however it is not accurate at all and needs to be removed immediately! If I lose my deposit for this house I will hold everyone accountable for harming me financially. I am attaching the loan documents for you to see it is for real. Please delete the XXXX XXXX   account # XXXX like XXXX  did for inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Spring Oaks Capital, LLC
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My previous letters highlight your many violations of my consumer report under several consumer laws. Your recent response displays your company Spring Oaks Capital as a habitual and arrogant violator of law as you admit that Spring Oaks Capital perseus Conclusive presumption of worthless debt once it has been declared a Write off or Charge off under Tax Law 13-35 section 1.166-2 ( d ) ( 1 ) ( 3 ) and Section 2.166 ( a ) ( 1 ) ( 2 ) .Your company Spring Oaks Capital has violated my rights as a taxpayer by not providing me with a 1099-C to report income to the IRS under the Taxpayer Bill of Rights and Federal tax law Internal Revenue Codes of 1986 ( IRC ) .The Consumer laws are as follows 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) Definitions and rules of construction, 15 US CODE 6802 ( a ) ( b ) ( 1 ) ( a ) ( b ) ( c ) Obligations with respect to disclosures of personal information, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Pulled my credit to realize I have a debt collection reported on all three bureaus, from a company AWA Collections on behalf of XXXX XXXX , XXXX. 
I was not aware of any debt owed to either company nor ever been contacted, received any notice, nothing. 
A previous owner of XXXX XXXX XXXX, over 8 years ago. my business has been dissolved and closed since late XXXX, early XXXX. All business dealings were handled and dealt with the XXXX XXXX management. 
Since the closure of my business I have not been contacted by XXXX XXXX or any person from XXXX, AWA. 
My understanding at some point XXXX XXXX was purchased by XXXX XXXX. 
I do not understand what the debt is from and how is it mine? The debt XXXXAWA Collections is seeking in the amount of {$7500.00}. How is it legal to add damaging information to someone's credit with notifying the person, allowing time to resolve matter? Proof the debt is the consumer. I would greatly appreciate your help with this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022, I started a business Paypal account. After adding my personal information with no problem, I tried to add my bank account information but Paypal required my bank logins, username and password. I was not able to simply add my routing number and account number. 

On XX/XX/XXXX. 2022, I, again, attempted to add my bank account information. Once again, I could not add my routing and account number. 

So, I called Paypal Customer Service. I told the representative that I was uncomfortable giving my username and password for my bank account because of possible breaches that could occur. The representative told me that Paypal was secure and that there would not be a breach. 

Following this, I closed the account and searched with XXXX to see whether Paypal had previous breaches. They had breaches as recently as XX/XX/2022 which were reported by various news agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX So, the representative lied to me. Since she lied to me, I know that she and other Paypal employees would tell the same lie to anyone who questions this Paypal requirement. This could effect millions of consumers and businesses for millions to billions of dollars if a breach occurred again. 

Additionally, Paypal would not allow me to add my XXXX to my business account. They required my Social Security Number. This is highly unusual with business accounts and could lead to tax evasion by those who wish to evade taxes. 

I am attaching a screenshot of the Paypal requirement as I stated and an audio file that I recorded while speaking with representatives at Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Suntrust close my account after I told them not too. And on top of that I still have not received my new check card.. Im XXXX and this bank should be fined. As a customer I reserve the right to say not to shut down my card I was going to call back. But of course they did it anyway..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just received my new credit report for EXPERIAN and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me.

This is the list of them.

Experian fraudulent Soft Inquiries too be Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN Address XXXX XXXX XXXX XXXXXXXX, TX XXXX Record details Inquired XXXX XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Record details Inquired XXXX XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX details Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN Address XXXX XXXX XXXX XXXXXXXX, TX XXXX Record details Inquired 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 2023-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed an FTC report for the fraudulent activity on my credit report. Bank of America has flagged my credit report for late payments and charge offs. I have no knowledge of this account. The accounts are not mine.

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 2023-09-17
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My daughter was given an {$20.00} AmEx gift card for her birthday. Unfortunately every place that we have tried to use it has been declined. I tried contact their toll free number but was disconnected. After searching online I see multiple XXXX posts with this same issue. If these cards are not able to be used in large stores like XXXX, XXXX or online retailers then they should no longer offer them. A purchase for XXXX was recently declined. It appears that their customer service just tell customers to try a different retailer which is ridiculous. Can we just get a refund for {$20.00} since we can't seem to use it anywhere. Below is a link to the subreddit where people have discussed similar problems. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-06
Company: BANCO POPULAR DE PUERTO RICO
State: PR
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 the second time Banco Popular de Puerto Rico incorrectly reports to the credit bureaus/agencies ( XXXX, XXXX, etc. ) wrong information as if we have been late in our mortgage payment. I spoke with their mortgage division who contacted their credit Division confirming that we have perfect record since the start of the mortgage in XX/XX/XXXX until now. Their incorrect, inappropriate actions have caused to lower my credit scores from the 700s to 600s. I met in person and demanded a letter ... they gave me a letter but I do not trust this institution in them informing of their error to the respective credit bureaus. 
Dates - Discovered XX/XX/XXXX What - showing mortgage delinquency 90 days+ Amounts - Approximately three/4 payments $ XXXX/ {$16000.00} aprox. 

Actions- I went in person and called them. Again this happened again in XX/XX/XXXX ( they issued a letter after three days ). Had to go twice last week ( two letters from Banco Popular ) acknowledging their error without stating so on the letter. In the meantime they ruined my credit. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I'm requesting we address this first! 


GOT OUR HOMES XXXX XXXX XXXX XXXX Florida XXXX Dear Attorney 's, This company has me at the end of my strings. They owe me on a lease to own at XXXX XXXX XXXX XXXX XXXX ga XXXX. Of which after robbing me ( charging fees and taken money on a monthly basic for maintenance never proformed, withholding XXXX. Down payment and services I had to pay for on the property above our agreement ). Comes to a {$6000.00}. plus total they owe me. 


On top of this they have me in collection with Hunter Warfield XXXX XXXX XXXX XXXX XXXX FL XXXX contact number XXXX, account number XXXX for the sum of XXXX which on XXXX reviews they claim I missed 4 months, XXXX, XXXX, and XXXX XXXX.after a tenent misses the due date, due on or no later than the XXXX they will file evidentiary paperwork by the XXXX. The court stated, I was to move on the XXXX if XX/XX/XXXX I did that an have proved that my beings are in storage with XXXX  the amount is wrong. They also claim I stole something upon existing. I'm not sure what they're talking about but that's false as well. I counter claimed they owe me XXXX, during our meeting with the court mediator The house manager said XXXX XXXX XXXX they don't want anything from me but to get out. '' I did that XX/XX/XXXX. 


Attach is a few paper from the court and Hunter Warfield 's collection bill. I have a file I created for this company. I knew they were going to be a problem. 


They need a class action lawsuit. 


I'm a single XXXX woman who tries to work as well. I was deemed XXXX XXXX. 

I also was in a car accident XX/XX/XXXX where 3 cars ran into me. Which makes it extremely hard to work. 


I was able to keep a home for XXXX kids and XXXX dogs for 12 years. Until I made the great mistake of doing business for 5 years with GOTOURHOMES. 


HOMELESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
... ... .XXXX XXXX XXXX XXXX froze or levied my account on XX/XX/23 because citi bank na used XXXX XXXX XXXX XXXX XXXX XXXX execution letter delivered to XXXX XXXX XX/XX/23 to XXXX my account because of consumer debt that I'm not able to pay do you being on pa unemployment insurance ... ... .I have emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX them about exemptions on pa XXXX  state and federal part and let them know about XXXX and the complaint ... ... .I 'm having absolutely no problems with XXXX XXXX that XXXX me and my wifes joint but ... ... ... ..so it has to be XXXX XXXX XXXX XXXX and how they are handling this ... ... ..I was served by the sheriff s department today XXXX XXXX.. .. How is the bank able to levie or freeze my account on a executive letter that is against Pennsylvania and XXXX XXXX XXXX XXXX exempt XXXX XXXX  benefits... I sent a complaint to cfbp but haven't gotten a reply... I attached the order to you because is the order mis read by XXXX XXXX XXXX  or do i file against XXXX XXXX XXXX XXXX citi bank XXXX  but sent to local XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX it is getting all mixed up because of federal local Pennsylvania XXXX ny laws when .... im being affected Imediately ... ..the bank and law firm and citi bank na are breaking Pennsylvania and federal laws on major exemptions under Pennsylvania and Federal laws on trying to collection on employment compensation insurance ... .I attached the page but was served after the fact of the levied account how are they allowing this to happen ... .if possible can you forward my message to the right party I fighting here ... .I will reply to the courts but I'm being buried by bank to bank snowball to a avalanche effect here and its all damages and racking dollars cause the locked my only form of income pa 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 2018-12-17
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was impacted by hurricane Irma in XX/XX/2017. I contacted Mr. Cooper/Nationstar Mortgage to inquire about a forbearance program. I was told that due to the hurricane I qualified for a 3 or 6 month forbearance and that the forbearance payments would be tacked on to the end of the loan. Prior to starting my payment again, I was told that I was given wrong information and that I owed the outstanding balance or I needed to modify my loan. If neither was done my home would be foreclosed on. I can make my monthly payments, however I am not able to payback the forbearance amount all at once. They will not honor the original terms. Please help. 
Mr. Cooper/Nationstar Mortgage has since sold my mortgage to XXXX XXXX XXXX   and they also will not honor the forbearance payment to be added to the end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: NC
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 Credit Information Services , Inc. XXXX. XXXX XXXX XXXX, GA XXXX RE : XXXX XXXX Report # XXXX XX/XX/XXXX, Dear Equifax , This letter is a THIRD request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. the United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. 1983 ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate item. XXXX  XXXX XXXX XXXX CHARGE-OFF $ XXXXAlleged Debtor : XXXX XXXX I hereby request you to make the changes within 30 days to avoid any Violation of the FCRA. Please send me a copy of the changed credit report at the earliest convenience. TRW Inc. v. Andrews, 534 U.S. 19 ; 122 S. Ct. 441 ; 151 L. Ed. 2d 339 ( 2001 ). - Under the Fair Credit Reporting Act, the statute of limitations generally begins on the date the liability arises, not when a party knows or has reason to know that he was injured. An exception occurs when the defendant " has materially and willfully misrepresented any information required under this title [ 15 USCS 1681 et seq. ] to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant 's liability to that individual under this title [ 15 USCS 1681 et seq. ] '' The statute of limitations runs for two years after the discovery of the misrepresentation. 15 USC 1681p Fair Credit Billing Act ( 15 U.S.C. 1601-1666 ) Its purpose is " to protect the consumer against inaccurate and unfair credit billing and credit card practices sincerely, /s/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am XXXX from a car accident from a long time ago. I had a XXXX XXXX that needed XXXX. that XXXX left me XXXX. As a result I fell behind on My Bills and went into default on my credit cards AMEX is one of them. On XX/XX/XXXX. XXXX American Express Bank got a Judgment against me. 
In XX/XX/XXXX I was forced to file bankruptcy as my home is also in foreclosure. That Bankruptcy was dismissed on XX/XX/XXXX. 
Also my mother passed away and her home is up for tax sale. I was able to sell my mothers property to pay taxes and Bills. I called the law firm for AMEX the law firm of XXXX and XXXX and spoke to XXXX XXXX XXXX. to settle the matter and get a release of Lien / Judgment. She told me that her firm does not have it any more and that the debt was transferred to XXXX XXXX XXXX XXXX at XXXX ext XXXX I spoke to a XXXX and he said I had a XXXX balance. I told him about the Judgment and that I need a release to close on my mothers property pay my back taxes and go on with my life. He said that the law firm handling this was XXXX XXXX XXXX XXXX at XXXX I spoke to XXXX XXXX he said his firm is no longer handling this and that I needed to call AMEX at XXXX and ask for a manager. I called Amex they told me to call XXXX and XXXX back the 1st attorneys I called them and they said to call back XXXX XXXX XXXX  again. I call them again left a message. Now I am writing you. This is a round robin something is wrong. Please Help Me Before I lose the buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: ADP Inc.
State: CA
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Stolen money from my account in 3 day with a set up limit of XXXX total of XXXX after the investigation they said there no problem and 2 transactions made on different county 's at the same time no results of investigation and also happening to 3 my XXXX coworkers the payroll card company name is wisely by adp baked by XXXX XXXX XXXX

Company response to consumer: Closed with explanation