BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-14
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX has charged me the entire phone charge for a replacement phone that i received. 
The original phone had several issues, and I was told that I would not have to return the old one. 

I later received a bill that included the entire cost of the old replacement, and when I tried to resolve issues with the bill I was given no other options but to pay the entire balance. 

Since payment was not affordable, the bill could not be paid Original Creditor Name 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 2023-08-03
Company: Block, Inc.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I placed an order on XXXX for {$14.00} and canceled it several minutes later on XX/XX/23. I received an email from XXXX saying the order was canceled and money was not taken out of my acct, however, there is a " pending '' transaction on my cashapp acct. I called XXXX, XXXX says that the bank that issued the card has an " authorization/hold '' on the {$14.00}. I called cashapp and cashapp claims that XXXX has the " hold '' on the {$14.00} - yet both are telling me that the hold may take 7-14 days to be released. 

I have contacted cashapp AND XXXX on several occasions in the last 2 days asking them to release the authorization/hold on my money. I have asked cashapp to speak with a manager or have someone call XXXX XXXX  and ask them to release the authorization/hold and have yet to be transferred to either. The people at cashapp that I spoke with were very nonchalant, uncaring and talked in a monotone voice. 

I'm still waiting for my money and still waiting for a response from cashapp. If they were able to put a hold on the money instantly, why can't it be RELEASED instantly if an order is canceled. I need my money. I'm on a fixed income and having someone hold your money hostage while they try to accumulate some interest is PURE GREED on their part. I want my money before this week ends on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent dispute letters to TransUnion, XXXX, and XXXX  because there is inaccurate information on my credit report. It has been 30days and I have not received a reply or an update on the status of my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), the companies must complete this reinvestigation within 30 days of receipt of this letter.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: MO
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:
Stole 17 months of on time never late payments to XXXX and refused to put it back bt still keep ousting worthless credit cards

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 2023-03-10
Company: Experian Information Solutions Inc.
State: PA
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 lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I paid off my car loan with XXXX XXXX on XX/XX/2022 and it showing on my credit report as closed. I would like to dispute this issue. I don't have any outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Experians dispute department on Monday, XX/XX/2023, on or around XXXX P.M. XXXX. After a long hold, I got to an agent who identified as XXXX. He informed me he was a supervisor and located in XXXX XXXX. I told XXXX I need to file a fraud dispute and that I dont want a fraud alert. There is a fraudulent collection account on my credit report. XXXX refused to transfer me to the fraud department unless he verified my personal information ( name, address, date of birth, social, etc ). I refused and asked XXXX a second time to please transfer me to the fraud department. XXXX refused again. I asked XXXX XXXX times to transfer me to fraud so I can file a fraud dispute. He continued to refuse then he deliberately disconnected the phone while I was speaking. I never used any profanity. This is egregious. Experian needs to terminate this rude employee. As a result, I was unable to file a fraud dispute over the phone. This violates federal and state law which gives me the right to dispute inaccurate information on my credit file. XXXX behavior was unacceptable and unprofessional.

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 2022-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a debit card from capital one. I never opened an account. The phone number associated with the fraud account XXXX. Capital one closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Atlanticus Services Corporation
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
I have a brand new credit card with Aspire due to fraudulent charges. I have never used the new credit card or even taken the card out of my home.on XX/XX/2020 Aspire company shows a charge of {$510.00} and a credit in the same amount of {$510.00} however as of XX/XX/2020 the credit of {$510.00} was never processed on my account resulting in a incorrect balance with Aspire. I have contact this company twice regarding this issue and Aspire refuses to correct this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX 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 2022-03-22
Company: Mr. Cooper Group 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 information incorrect

Complaint:
in accordance with the fair credit reporting act. 
nationstar/ mr cooper account # XXXX is reporting an inaccurate late payment on XXXX on XX/XX/2018 XXXX delete this late payment because is inaccurate.

15 u.s.c 1681 section 602 a.states that i have the right to privacy.

15 u.s.c 1681 section 604 a. section 2 ; it also statesa consumer reporting agency can not furnish a account without my writtent instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 have a debt for a total of {$780.00} being reported on my credit report from a company called XXXX XXXX XXXX, I have called them and sent them documents to remove it and all attempts have been unsuccessful. They told me the debt is from XXXX XXXX XXXX a visa credit card open in XXXX XXXX where Ive never been. Called XXXX XXXX XX/XX/XXXX, XXXX  I. Had a company called credit repair fixing my credit and they also were unsuccessful. XX/XX/XXXXI called again and still cant get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I attempted on several occasions to save fro home from foreclosure, due to the fact I came down with a XXXX  XXXX on XXXX  which cause me to miss payments I tried several time to save my home and was denied help from Wells Fargo I attend a court date and was advised to turn my keys over on XXXX which I left in the mail box and they had a realtor to pick them up and was the end of my homeownership Sincerely 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 2022-06-04
Company: ACIMA CREDIT, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt was reported as a collection on my credit report. I disputed it because I have no knowledge of it. The leasing company called Acima XXXX FKA simple claims that it is legit but i did not lease anything from them. I was never notified of such debt. I want to be cleared of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: CL Holdings LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Filed FTC complaint # XXXX regarding accounts that are not mine and do not reflect a valid ID. I sent a valid ID as well as a summary of my dispute as well as a copy of my social security card. 

XXXX did not do a thorough or accurate investigation into my complaint. I tried to resubmit and re-file everything again with the same documents and the FTC report and they refuse to take it. 

They are unable to validate or show how they verified any of this information as I know this information can not be verified accurately since it is not mine. I have called them several times and they will not tell me how these fraudulent accounts are verified. 

They are in violation of FCRA Section 611 to my right for a complete and accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage that was with Community Loan Servicing and paid off the loan on or about XX/XX/2022. I got a letter saying that my excess mortgage payment would be refunded within XXXX business days ( XX/XX/2022 ). I called them on XX/XX/2022 to notify them that I had not received the check. At that time I was told that the check was for {$7000.00}. I was sent to the Customer Advocacy department. I spoke to someone who said she would get back to me within XXXX - XXXX hours. She did not and has not called back. Nor have I received anything from Community Loan Servicing except a letter showing the amount of the refund that I should have received. When I call the Customer Advocacy department the computer says that my issue has been resolved and does not allow me to speak to anyone. It has not been resolved. I have not received my refund and no one has been in contact with me. When I called back to the general number they are telling me to call back, in spite of the fact that the computer does not allow me to connect with an actual person. I demanded to speak to a manager. I was put on hold an hour ago and no one has come back to the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, XXXX XXXX, was sent a bill from Rent Recovery Solutions stating I owe {$4200.00} concerning XXXX XXXX XXXX. The matter at hand states I was a resident of this apartment complex, which implies that I signed a lease agreement and would be responsible for such debt. In good conscience I have never signed a lease agreement with XXXX XXXX XXXX. I have requested documentation of such agreement without successful response. I was told per management of XXXX XXXX to file : '' identity theft report and that this conversation is done and we can not help you any further ''. I simply asked for the lease agreement to provide documentation concerning this debt. I feel that I am at a loss in this situation given I have no legal attachment to this residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Data Mortgage Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XXXX XXXX, my mortgage was discharged but I am being threatened by said company that they want to keep charging me mortgage payments as well as threatening foreclosure. As a documents show my mortgage was released, discharged and reconveyed to the persons legally entitled to. Which is myself and my family. As a natural person, I am to fully enjoy my land without company data mortgage Inc dba Essex mortgage harassing me as they are a debt collector, and have no entitlement to my land. Company has violated FDCPA, with unfair practices titled 15 usc1692c, d, e, f.As documents show i have contacted Essex to cease and desist all communication and stop mailing, and calling, and they did not abide by FDCPA laws. I have a box full of mail from them stating they are debt collectors attempting to collect a debt. According to UCC 9-210 Request for accounting ; Request regarding list of collateral or statement of account. Individual request for accounting form B-210.

( 1 ) " Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ).

( 2 ) " Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.

( 3 ) " Request regarding a list of collateral '' means a record authenticated by a debtor requesting that the recipient approve or correct a list of what the debtor believes to be the collateral securing an obligation and reasonably identifying the transaction or relationship that is the subject of the request.

( 4 ) " Request regarding a statement of account '' means a record authenticated by a debtor requesting that the recipient approve or correct a statement indicating what the debtor believes to be the aggregate amount of unpaid obligations secured by collateral as of a specified date and reasonably identifying the transaction or relationship that is the subject of the request.

( b ) [ Duty to respond to requests. ] Subject to subsections ( c ), ( d ), ( e ), and ( f ), a secured party, other than a buyer of accounts, chattel paper, payment intangibles, or promissory notes or a consignor, shall comply with a request within 14 days after receipt : ( 1 ) in the case of a request for an accounting, by authenticating and sending to the debtor an accounting; and ( 2 ) in the case of a request regarding a list of collateral or a request regarding a statement of account, by authenticating and sending to the debtor an approval or correction.

Essex has not provided any of this information and strictly sent statements of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021, fraudulent activity appeared in my PayPal account. The name was changed to XXXX XXXX, the address was changed to California, and the language was changed to XXXX. Once I got the language changed I called Paypal to report the fraud. I gave all the information for PayPal to clearly identity when the fraud took place and after over an hour I was told they would take care of it and not to worry. Nearly 3 months later my account shows a negative balance over {$4000.00} and Paypal has sent me to collections and will not help resolve the issue. I have called dozens of times and each case opened, Paypal closes without action. I believe someone has found a security vulnerability and was able to push transactions from behind Paypal security firewalls. I am looking to take legal action against the company as they were immediately informed of fraud and took a knowing stand to allow fraud to occur instead of taking action to stop it. I contacted paypal dozens of times and they encouraged me to take legal action, even providing the address to send a subpoena.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a FRAUD dispute of {$250.00} from XXXX XXXX. They denied my dispute with my Wells Fargo bank. Wells Fargo is denying my dispute and will not return the money to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Veros Credit, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit report XX/XX/2019, I noticed a fraudulent account from an auto loan Company. I have sent multiple letters, filed a police report, and the company still refuses to remove the account from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation