BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-27
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed, they have also reported multiple billing errors by XXXX  XXXX XXXX original creditor ) and unfair business practices. 

The account information is the following : ENHANCED RECOVERY COMPANY , LLC Opened Date : XXXX XXXX, 2019 Balance : {$140.00} Original Creditor Name : XXXX XXXX XXXX XXXX  My demand is based on many damages and all the violations that they have committed : I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: CORELOGIC 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:
On XX/XX/2020, CREDCO add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor.

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2018-07-23
Company: Reverse Mortgage Solutions, Inc.
State: SC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
We mortgaged a home at XXXX XXXX XXXX XXXX in XXXX, South Carolina. We took out a reverse mortgage which was serviced by RMS ( Reverse Mortgage Solutions ). We put our home up for sale in XX/XX/XXXX. We decided to build a new home nearby. When it was time to occupy the new home, XX/XX/XXXX our XXXX XXXX property was not sold yet. We called RMS to tell them that we were moving out of XXXX XXXX and the property was still on the market. We were told that if the property was not sold in 12 months then RMS would take the property over. This is something we knew before we made this move.

After that we were the recipients of some startling events. Twice there were ominous notes taped to our front door stating that this property was determined to be abandoned or vacant. The note said to contact XXXX XXXX XXXX XXXX about our mortgage. Even though we did not have any relationship with this bank I called the number provided. I was told that they had no loan with us and there must be some sort of a mistake. 
There was also a vendor phone no. I called that no. and asked them about the note. They said that they did not authorize that process and someone must have put the notice on our door by mistake. 
Then I got a call from an appraiser who wanted access to our home. He said that the reason was that the mortgage company had declared bankruptcy on our behalf and that the bank was taking the property over. I checked with RMS. They claimed that I told them we were abandoning the property. Once they understood that was not the case, we thought everything was going on as usual. 
At the closing when we sold XXXX XXXX on XX/XX/XXXX there were some charges added to our payoff. The two signs posted on our door cost {$20.00} each, an appraisal for {$400.00} was charged to us, a property inspection fee of {$740.00} and a title examination fee of {$380.00} were charged to us. I called RMS on XX/XX/XXXX, the day we got our payoff statement, and asked them about the fees. I asked why these costs were accrued in the first place. The answer was that RMS authorized them " because we could ''!

I was told by RMS that I could protest the fees by sending them an email.

I have consulted with my real estate attorney and he recommended going ahead with the sale and protest the fees after the closing. He did not offer any other suggestion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX issued a refund on XX/XX/XXXX for a returned item on XX/XX/XXXX back to PayPal in amount of {$180.00}. Paypal isnt acknowledging refund issued out back to return. Ive uploaded emails and confirmation from XXXX showing proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was advised you guys can help me with a bankruptcy thats on my experian credit. I dont know where that came from because I have never filed bankruptcy and never had a need to. Can someone please help me with this.

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained a copy of my credit report. In doing so I notice an account that I did not authorize this account to be on my credit report. I have attached a copy of my FTC report. Along with two proof of Identification. I am a highly intelligent XXXX XXXX Female. Please do not insult my intelligence by saying I am using a credit repair services. I know my rights and I know the law.

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 2023-02-07
Company: Receivables Management Partners, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The date posted is XX/XX/2023. Reference number XXXX. For RMP services, LLC. XXXX XXXX XXXX. XXXX, OH XXXX. I am filing a dispute for my son who is XXXX XXXX XXXX. XXXX XXXX. Whose on the bill. He can not pay a XXXX balance on his account. Since, he is only XXXX XXXX XXXX. So, from here on I am providing enough information. That his father XXXX XXXX will be taking on his debt. This is not the XXXX XXXX XXXX debt. At the time, of service his father was the one present. Therefore, under law he is required to submit paperwork and therefore be disputed his debt from this day forward. The collection company should not be billing my child at this point. Thank you for your time. Hope to be in contact with your company about this matter. At this point this is serious matter. In that, the hospital was responsible for the well-being and care of a child. And allowed an adult to provide false information about a debt that should not be collected in his name. For services. The child is not at fault for services that were rendered to him. And provide a XXXX XXXX XXXX with debt that he is not responsible for. I will be in touch with your company. No correspondence is to arrive in my mailbox under my childs name. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TekCollect Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Im a retired teacher with multiple XXXX that affect focus memory and cognitive activities. I receive accidental XXXX pension paid at end of month. Citizen Bank every month there is an overdraft at beginning of month so they collect fees all month. Every month I loose up to a quarter of my pension to fees. There appears to be a pattern of payments that are scheduled for first of month not posting to up to two weeks later. Even when I dont use account debits occur. Last month I had {$900.00} on Friday when I went into hospital and a XXXX XXXX overdraft when I got out. In past three years they have taken over {$4000.00} in fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company asking for applications, or security agreements that was completed by me to show initiating of this account. I have never lived on whatever property they are claiming. And, they continue to provide some type of agreement created online. They will not even forward an application to show if I even applied to live wherever this place is. They even have a page with a generic email of my name as an email which is not my email and never has been. 
They are now saying I owe {$4100.00} for some move out service or something. 

This is not my debt, I did not live here nor applied to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX 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 2021-04-12
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The processor PayPal has infringed in a violation of my user rights. PayPal has closed my account to steal the money I received from the company where I worked. 
According to PayPal, accounts are blocked for unauthorized transactions, disputes, or chargebacks. 

I have no disputes, I have no chargebacks and I have always used my account respecting the policies and use agreement that are established in PayPal. 
PayPal placed two limitations on the account, look at the evidence in the attached photos. 

The reason for the limitation was due to the withdrawals I made to my bank account. 
PayPal blocked withdrawal attempts to my bank account. 

After these attempts I block the account saying that I can not withdraw my money. 
PAYPAL STEALS MONEY BY PLACING LIMITATIONS ON THE ACCOUNT. 

PayPal asked me for my identity documents with photo, proof of address and other documents, however they closed the account permanently and did not let me withdraw the money I have. 

PayPal is closing account with an intelligent system or robot so that users can not withdraw their money. 

My account associated with PayPal is XXXX. 

I enclose all the evidence of how this company does everything possible to steal the money. 

My account never had associate with any fraud. 
they close without reason avoid that can you my money. 
I also have videos and recorded conversations. 
PayPal violated my user rights and my money was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: GA
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 XXXX  account XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Office of Child supportXXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 Section2 : It also states consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently paid the minimum due payment on a XXXX XXXX credit card ( not just a store card but instead it can be used for any purpose ) and I made this payment before the deadline. I have had this credit card for many years and I have paid at least the minimum amount due by the deadline almost XXXX  % of the time over the years. On the rare occasion when a payment was late I contacted the company and soon made my overdue payment and any late fee that was charged. For this most recent payment my balance was just {$2.00} over my limit. Once I made my payment on time my balance was once again below the limit allowed, but in spite of this I just received an email from the company that they are charging me a late fee of over {$300.00} and my minimum payment due has also gone up by over {$300.00}! I called customer service and just got the run-around from the woman I was talking to in which she explained why I was being charged this outrageous amount. After I send you this form I am typing a letter and mailing it to the post office box for disputes about 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 2023-02-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Are there any laws protecting consumers in regards adverts urging an application for credit? 

Why are financial entities allowed to advertise agressively and persistently to non-qualified consumers? 

Today I decided to take a hit for arguments sake. I got so annoyed I used myself as a guinea pig. I knowingly went down the rabbit hole of applying despite a very sad credit rating of around XXXX last I checked. I logged into my Paypal account and got the usual bombardment of ads to apply for those Paypal *pre-approved credit cards. I'm serious. I applied for one, got rejected and it prompted me to apply yet again. I did- and as expected it did not approve. I'm guessing it took XXXX points of my rating but I did it to shed light on this unjust situation. It's just wrong. 

A person 's credit can determine if the are allowed access to housing- it's a serious matter. I am trying to fix it like many others. Why are these companies allowed to do this? To advertise to non-qualified consumers on an off-shoot chance a small percentage convert at the expense of the consumer and families. This is bad ratio to me and doesn't feel right. It's not right ethically but maybe not legally? The big question is does anyone care? Is there a true advocate for consumers rights?

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 2021-04-12
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: Account information incorrect

Complaint:
XX/XX/2021 : XXXX  XXXX XXXX reported account closed XX/XX/2021 : XXXX  XXXX XXXX reported account closed - again - this is a duplicate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: EQUIFAX, INC.
State: IL
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:
My issue or concerns are with Equifax and XXXX I have disputed information from both credit bureaus. I have followed the correct protocol for filing a dispute. I have written letter and filed online corespondents. And ultimately my results are still the same. In my letters I have asked that they provide me with physical documentation with my signature according to the FAIR TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a account. Equifax has removed the bankruptcy chapter XXXX dismissed from my account serval times and then put it back after the 30 days investigation which makes my credit score plumbed. They are receiving this information from a third party call XXXX XXXX XXXX. Every time the bankruptcy is removed and put back on my credit reports it looks like a new trade line and makes my credit score plumbed. The other disputes I have with both Equifax and XXXX are with ( XXXX XXXX XXXX for {$740.00} AND XXXX XXXX XXXX  for XXXX both are showing up as charge off on my credit files. I HAVE NOT RECEIVED PHYSICAL VERIFICATIONS OF THE ORIGINAL SIGNED CONTRACTS FROM ANY OF MY DISPUTES. Therefore they should be permanently removed from both my XXXX and Equifax credit reports. I have been disputing this information since XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Im filing a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXXXXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased a vehicle through a secondhand dealership on XX/XX/2020. As I was driving, the vehicle it broke down on the highway on XX/XX/XXXX of 2020 had the car towed to a XXXX dealership who then advised me after running a diagnostic test that my engine blew I was covered under an extended warranty for the engine only not for the bolts and also I had and contaminated oil line. I was out of a car from XX/XX/XXXX to XX/XX/2020 and had to pay over {$6000.00} out of pocket to cover for the bolts, the oil line and labor so I fell behind in my payments being that I work for the XXXX XXXX XXXX and I do not get paid during the summer when I spoke to a representative behind in my payments, which the finance company is credit acceptance from that time on. Ive had nothing but trouble with the car and had to constantly pay for repairs each time I spoke to a representative from credit acceptance I will explain to them as to why again I fell behind in my payments Ive paid over {$1200.00} for XXXX repair XXXX for another repair and as of today I have not driven the car for a year. Im still having issues. and the cost to have that problem fixed according to XXXX is {$7900.00}. I have not driven this car in a year Ive paid over {$780.00} in transportation to get me and my daughter to work in school recently I spoke to a representative a credit acceptance about voluntary surrendering the vehicle without having an impact on my credit up to today there has been no resolution or credit acceptance want is they are monthly payment and if I dont have it, they suggest that I borrow money from someone my car was repo. This past XXXX, I was able to retrieve the car and was put on a loan modification for {$310.00} every month on the XXXX and the XXXX. I would like to surrender the vehicle being that it is a faulty vehicle and has not run for XXXX year however, I do not want an impact on my credit, and would appreciate if I can be compensated as I invested too much money into a car that has not worked in a year, thank you for looking into my complaint

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 2023-02-22
Company: Siwell Inc
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for a hardship with my mortgage company XXXX different times and they keep denying me and trying to foreclose on me when I have a USDA loan they're not giving me any options on what I can do to stay in my home we need help and do not know what to do

Company response to consumer: Closed with explanation