BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-26
Company: Law Offices of Marvin S. C. Dang, LLC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
VIOLATION OF Federal Consumer Protection Act 809 FAILURE TO VERIFY/VALIDATE DEBT INCORRECT INFORMATION On XX/XX/2019 I was personally served with a summons for an  attempt to collect a debt I had no knowledge of. The summons claimed an amount of {$860.00} was being sought on behalf of plaintiff by attorney supposedly representing them. 

On XX/XX/2019 - I sent certified letter received by attorney on XX/XX/19 requesting competent evidence bearing my signature, showing that I have contractual obligation to pay attorney/plaintiff.

On, or around, XX/XX/2019 I received a package in mail from attorney with several pages of printed out credit card invoices with my name and address on it. No signature was provided, no written proof of Proper Assignment of Debt. 

The last page of the invoices showed a balance that was NOT the same as amount claimed by plaintiff. 

On XX/XX/2019, I send second certified letter requesting Name, Address, and telephone of each person who personally verified the account, and requesting copy of any documents bearing my signature, showing I have a legally binding contractual obligation to pay the alleged amount. 

On XX/XX/2019 I showed up in court at XXXX as directed on summons and plaintiff or representation did not. No proof was provided validating and verifying this account and plaintiffs proof of Proper Assignment of Debt. 

Attorney/Plaintiff has violated Federal Consumer Protection Act 809 a-d by not communicating as required by law and providing required information. 

Attorney/Plaintiff has failed to provide proper original signed documents with signature verifying and validating debt they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, two amounts were transferred out of my checking account with Bank of America through XXXX transfer. The amounts were {$1300.00} and {$140.00} and both were paid to XXXX XXXX ( total {$1500.00} ). I am not sure whether XXXX XXXX is a merchant or an individual! 

I have not initiated these transactions and I really do not know who XXXX XXXX is. On that exact day, I filed a fraud claim with Bank of America which eventually denied the claim. They are claiming that I am the one who must have approved the transactions because an authentication code must have been sent to my mobile number. I tried to talk to several departments at the bank to no avail. 

They asked me to contact my phone service provider which is XXXX to find out if my phone was hacked in the time frame. XXXX said not, it was not. 

I contacted the bank again for the claim to be reconsidered. They said in light of the fact that there was no new information, your claim would be denied again. 

I tried to contact XXXX to resolve the issue. XXXX said I should contact my financial institution to resolve the fraud claim. 

Now I am left without the {$1500.00} and with no hope of my claim being resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-13
Company: Paypal Holdings, Inc
State: WA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have two unused XXXX XXXX gift cards which show XXXX balance bought from paypal_digital_gifts on XX/XX/2017, could you help me check this case? I suspect my gift cards ' information was leaked by paypal. 


Dates : XX/XX/2017 amounts : two {$150.00} XXXX XXXX Gift Card Actions : I contacted with paypal digital service and XXXX XXXX digital channel support, got the reply about " Unfortunately we are unable to assist with inquiries of this nature as we do not have access to end user information. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: WI
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:
THESE COMPANIES ( Experian, a XXXX, and XXXX ) HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1. INACCURATE and 2.  UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did experian verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.

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 2020-05-22
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I keep getting calls and letters trying to get me to negotiate a debt Ive never contracted with them ( Cap Stone Credit & Collections, LLC ) NOR that they've never verified was mines. It's very embarrassing and upsettings to keep getting harassed about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a problem with the holder of my mortgage loan, Fay Servicing. My name is XXXX XXXX, I am the surviving spouse and rightful owner of my home located at XXXX XXXX XXXX in XXXX, NJ. I am currently delinquent on my mortgage loan and have been attempting to get Fay Servicing to work with me towards a solution so I can save the house. My XXXX XXXX has had a couple of bad years which put me in a tough spot financially and my wife passed away as well. At this time I am approximately {$22000.00} behind on my loan. I have tried to get Fay Servicing to work with me towards a modification so that I can save my home, but am unable to gain any traction. I have been led to believe that since I received help with a modification in the past ( 5 years ago ) that there is no help available. I know that there are programs and options available and want to know why Fay Servicing is not considering me for any of these programs. My financial situation has stabilized and improved and I am able to afford a fair payment, but cant come up with the full {$22000.00} to reinstate the loan. This house has been in my wifes family for decades and I dont want to lose it. We bought the home and put it in our name in XX/XX/XXXX and had no problem making our payments until XX/XX/XXXX when I was hurt in an accident and XXXX XXXX XXXX. I was out of work for 2 months and my wifes income was not sufficient to keep up with the bills. We fell behind and reached out to our lender at the time, XXXX XXXX. They were very helpful and we were able to get our loan modified to an affordable payment in XX/XX/XXXX. My XXXX XXXX hit a rough patch in XX/XX/XXXX. I have worked as a XXXX for 40 years and it is my family business, but XX/XX/XXXX was one of the worst years ever. At the same time my wife was having a lot of health issues and we defaulted on our mortgage payment. Then my wife passed. It took quite some time to regroup and handle the business affairs as well as getting back on my feet emotionally. I have tried to get Fay Servicing to work with me towards a new modification or restructured loan but have not made any progress. They have not assigned my case to an account manager, they have not reviewed my current financial information, and seem to not understand the hardship that I have recently endured. As explained, my XXXX XXXX is doing well and is stableI am also going to be receiving some SSI benefits from my wife as well. I have had a change in my financial situation and can afford a fair payment. The issue is that the lender agents only give me the option of repaying all the missed payments at one time. I do not have {$22000.00} to pay them, but if they would work with me I can resume making regular payments and we can resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Every time i file a dispute online ... They always come back and said it's valid. I have told the reporting company several accounts were not mine and there are 1-2 that i never applied for and it's on my credit report. So these accounts are never deleted. The accounts listed below are not mine. I had someone trying to use my personal info over the last 2-3 years. I have been working on correcting the problem and need your help with my issues. I have file a disputed XXXX XXXX XXXX {$3300.00} ( Not mine ) XXXX XXXX XXXX {$280.00} ( Never heard of this company ) XXXX XXXX XXXX XXXX {$570.00} XXXX {$1700.00} ( No acknowledge of this acct. ) XXXX XXXX XXXX {$870.00} ( Never applied, not mine ) XXXX XXXX XXXX {$100.00} ( Not mine acct. ) 2 Medical Bills which i disputed 4 years ago and shouldn't be on my credit report : 1.XXXX XXXX {$1600.00} 2 XXXX XXXX {$240.00} I have the following accts are closed on my credit report but they won't remove them. They causing me problems with obtaining new credit, 1XXXX XXXX XXXX XXXX 2. XXXX XXXX 3.XXXX XXXX XXXX XXXX 4. XXXX XXXX  5. 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 2019-08-27
Company: DISCOVER BANK
State: CA
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:
my discover card was charged many transaction with out my permission i contact the company and filed a despute after couple of weeks they denied my claim for no reason i have try few times to solve this problem but company never try to do any thing im still paying monthly payment and interest also am sending the list of the charges also with my complain to see it all happen when i was away for my college in the month of XXXX and XXXX of 2018 i even went to the address of the company charge my card but store is out of business i inform discover company also

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax released my identification without permission. I contacted Equifax immediately. They said wait till XX/XX/XXXX. I signed up for the Equifax protection. XX/XX/XXXX I recivec an email to verify. Nothing happens. Equifax refuses to answer any national telephone line. I want them to remove my information from their computers or tell me where to send my invoice to them for my information. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filled Bankruptcy in XX/XX/XXXX and it was finalized in XX/XX/XXXX. I am asking for all three reporting agencies to remove the remarks from public records. I realize that they have the right to report up to 10 years, however given my payment history since then i am requesting an early dismissal of that reporting. At this point its simply defamation of my history because in fact i have a stellar history for the last 9 years. Please let me know what can be done about this. Thank you.

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 2019-08-27
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 i reserved my right to dispute two medical debts that were on my credit report that i believed to be inaccurate and not valid. I sent SCA collections a debt validation letter asking them to send proof that these alleged debts they are reporting are indeed accurate and belong to me. On received a letter from SCA collections dated XX/XX/2019 they responded by sending me a questionable itemized statement disclosing treatments and procedures which can be clearly seen in the letter i have uploaded as proof of this claim. The disclosure of such information is a clear HIPPA violation and a violation of my privacy. I consider this a very serious matter. SCA Collections failed to send proper debt validation as well as a signed HIPPA release giving them the right to possess such information. This violation of my privacy is a matter that I will take legal action on if SCA Collections does not immediately remove these invalid accounts from my credit file.

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 2019-08-27
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNTS HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT, THOSE NEGATIVE INACCURACIES NEED TO BE REMOVED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I STARTED CHECKING MY CREDIT FOR ACCURACIES. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: JPMORGAN CHASE & CO.
State: CA
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:
I ordered from XXXX  ( seller ) 48 rolls ( XXXX XXXX XXXX XXXX XXXX ) times 25 case,1200 single rolls, each costs XXXX cents, total {$670.00}, around XX/XX/XXXX. 2020. After I ordered I checked the status of delivery. But the company website was disappeared. I felt this was scam. So I called my credit company, Chase. Not to pay it. And the agent told me Chase is not going to charge to me {$670.00} because I cancelled off very quickly around 24hours. I believe what Chase said. But Chase paid {$670.00} to the seller and charged to me around 2 months later. So I go to dispute and Chase close this case because of time frame. I have to pay it. The seller send me around 8 rolls times 20, 160 single rolls, each costs {$4.00} ( {$670.00} divide by 160 ) no brand name junk white toilet paper.totally different as they described. I tried to contact the merchant but their website is disappeared. I wish I return to get my money back.but I don't know where they are. I believe Chase made mistake because the agents work at home. Technical mistake. {$670.00} is big money for me during this corona virus season. I'm trying to survive my business. Please help me. XXXX bless you XXXX bless America. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CCS Financial Services, Inc.
State: VA
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:
You have harassed me numerous times and I require you to ceast and desist all communications with me and block and remove your information from MY consumer report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Diversified Consultants, Inc. ( DCI ) on multiple occasions, several times a day in XXXX of XXXX for a phone or internet service item that is in question. On XXXX XXXX, XXXX, prior to sending the debt validation letter to DCI, I contacted the company ( XXXX XXXX XXXX ) that DCI  claimed they were collecting the alleged debt for and after several transfers within the company, I was told by customer service representative at XXXX XXXX XXXX, XXXX, that they had no information on any debt or monies owed to XXXX XXXX XXXX in my name. That same day, on XXXX XXXX, XXXX, I sent a formal request for a detailed list of the charges for the alleged debt via XXXX ( Tracking # XXXX ) which was received by Diversified Consultants on XXXX XXXX, XXXX at XXXX XXXX., DCI did not respond to my lawful request within thirty ( 30 ) days as required by law, however they still chose, one month later, to report the alleged debt to all three major credit reporting agencies, XXXX XXXX and XXXX. 

Please see to it that remove the collections from all three credit agencies for failure to validate a debt that the alleged company they claim they are collecting for has no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2019-08-27
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX Equifax XXXX  are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( # 1 ) Upon reviewing my credit reports, I found a collection account listed under a company called LJ Ross. On X/XX/17, I sent them a letter disputing the account. I requested validation of the debt. They were informed that if they can not validate the debt that as per FCRA 611 ( a ) ( 5 ) ( A ) they must delete it. They had 30 days to validate/verify this debt. ( # 2 ) This is proof that LJ Ross received and signed for the letter on X/XX/17. ( # 3 ) Collection letter from LJ Ross dated X/XX/17 received telling me that XXXX had turned this account over to them and that I had 30 days to dispute the validity of the claim, although I have proof that they had already signed for and received the dispute on this account. ( # 4 ) These are copies of the LJ Ross account on my XXXX account showing that they complied with the FCRA regulation to mark my account as disputed. They did this within the required timeframe. ( # 5 ) Letter from LJ Ross dated XXXX/XXXX/XXXX, This was a basic letter saying they received my dispute, they enclosed 2 statements and that was it. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized statement does not constitute verification. ( # 6 ) Copies of the XXXX statements sent with the above letter. ( # 7 ) My reply letter to LJ Ross dated XX/XX/XXXX. I let them know that they have AGAIN failed to provide me with any viable evidence of the account being reported accurately. They have basically put that account on my credit report, sent me an old statement with no proof and never responded again. ( # 8 ) Proof that the letter was received and signed for on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation