BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: Americor Funding, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I am a retired  XXXX XXXX in XXXX, California. Due to a medical condition and physical limitations, I am unable to work and my only source of income is my monthly pension. 
In XXXX of XXXX, a series of unfortunate events caused me to fall behind on some of my financial obligations. I was considering bankruptcy but came across a debt resolution company online, Americor, which seemed like a better option. After a high pressure sales pitch by their representative, XXXX XXXX, I signed up and gave Americor power of attorney to negotiate my debts. 
Unfortunately, my credit scores still plunged and it was difficult to make the expensive payments to Americor but I held on and trusted they would help me resolve and payoff my debts. Part of the agreement was a 25 % fee on settled accounts, which made me hesitant to sign up at first, but XXXX XXXX reassured me that it would be worth it in the long run. I was also promised a loan at 35 % interest after one year of payments to payoff any outstanding settlements. However, that loan never materialized and only offered recently in XX/XX/XXXX when I expressed displeasure with Americor 's activities. I was denied that loan. 
What did materialize was an accumulation of fees, more than equal to the amounts that were going to pay off outstanding settled debts. In XX/XX/XXXX, I offered to deposit a lump sum of {$3500.00} to speed up payoffs of my open settled accounts. However, Americor aggressively insisted that the money be used as leverage to negotiate two larger outstanding accounts instead that were in pre-negotiation stages. I later found out why they chose this route, which was to continue to charge me the monthly settlement fees for Americor 's benefit, not mine. 
I finally had enough with this company in XX/XX/XXXX and stopped all future payments to them. I demanded a detailed accounting records and any documentation to assist me to contact any outstanding accounts to resume payments directly to them or pay them off. I paid off all outstanding accounts except for two larger balance accounts, which ironically, I was able to easily negotiate a reasonable resolution without Americor 's assistance.

After recently reviewing the accounting records of my Americor account, and to my dismay, I realized I had paid over 77 % fees, not the contracted 25 %! This angered me even more and prompt me to file this complaint with the California DFPI and with the CFPB for Americor 's unfair and unethical financial practices.

I gave Americor an opportunity to resolve this before I filed this complaint but to date, they have not responded. 
I have lots of documents to upload for your review related to this matter. Thank you for your attention and assistance in this matter. Please feel free to contact me anytime if you have any questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: FL
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 U.S.C 1681 Section 602 A states the right to privacy.

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. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a company previously on my name. I used pp account using that company which worked for 3-4 months but after that it was limited I don't know why. Now after a year, I have set up a new company which is on my Father 's name. I am My father using all his details on PP as well but as soon as I created the account, they sent me this notification for limit. 
I have been using PayPal to receive payments for my online business and also paid some of my staff using same platform. 
I then got a notice that PayPal is permanently limited I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: IN
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:
The Credit Bureaus stated my accounts was properly investigated, but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, accounts that are in collection are also being reported as late payments, and the dates last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 sections 602 A. States I have a right to privacy 15 U.S.C 1681 sections 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions The Credit Bureaus are in direct violation of Federal Law under the Fair Credit Reporting Act ( FCRA ) 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I, the consumer and natural person, am filing this complaint about my consumer report in its entirety. The Credit Bureaus have assumed this role without my PERMISSION OR CONSENT! They did not exercise their grave responsibilities, they were unfair, they were partial, and they did not RESPECT my RIGHT TO PRIVACY! They NEVER had a permissible purpose! And I NEVER INSTRUCTED Them to furnish or create this report and I NEVER CONSENTED to this report in the first place. I have disputed these reports in their entirety as well as other accounts time and time again for years. I have asked them to remove ALL items from my consumer reports AS SOON AS POSSIBLE! And since they have failed to make reasonable procedures to resolve my requests to remove this report in its entirety, I am now being misrepresented by each Credit Bureau because these corporations have chosen to continue making fraudulent statements in my consumer report.

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 2022-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax wants me to send in the mail to them a copy of my Social Security Card, Drivers License and other items just to update my information as I can not remember my log-in for the online account. ARE THEY NUTS, WHO WOULD EVER SEND THIS INFORMATION THROUGH THE MAIL, WOULD YOU? I WILL NOT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 U.S.C 1681 Section 602 A states the right to privacy.

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. 



Account # XXXX Account # XXXX Account # XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

Experian 1.XXXX {$0.00} 2XXXX XXXX XXXX  {$0.00} 3XXXX {$0.00} 4XXXX {$0.00} 5 XXXX XXXX XXXX XXXX {$350.00} 6XXXX {$0.00} 7XXXX XXXX {$0.00} I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: NC
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:
Equifax is reporting that I still owe 100 % on a loan that has been fully paid off & should not be appearing on my Credit Report at all : XXXX XXXX XXXX XXXX 

I have repeatedly written to Equifax to dispute the accuracy of this reporting, yet they refuse to delete this account from my profile even though it has been paid in full & I no longer owe XXXX XXXX ANYTHING. 

According to the Fair Credit Reporting Act ( FCRA ) I have a right to an accurate Credit Report & this is obviously not accurate & is hurting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Maximus Education, LLC dba Aidvantage
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Cares act refund requested in XXXX, called multiple times given conflicting information every time. Its now XXXX and looking like its going to be even longer potentially months before the refund arrives. Blatant disregard for the cares act signed into law and terrible customer service. This company is ill suited to service the federal government contract it enjoys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been having nothing but trouble with my escrow account ever since Freedom Mortgage took over my mortgage. I know about escrow accounts, i am in the mortgage industry myself. I paid the shortage in XX/XX/2022, they adjusted the payments to reflect the change in my home insurance which i had to call them about and tell them to apply it to escrow. and now they send me another escrow statement 3 months later stating that my insurance went down, that i still have a shortage and that my payment is about to go up in XXXX. when i called them yesterday they were extremely rude they put me on extremely long hold times, when the lady came back all she did was reiterate what was stated in the escrow statement. even when i told them everything i have done since XXXX, the insurance went down the taxes never changed, and that their math was incorrect. she still argued with me and kept me on hold until i had to hang up and go to work. This is an ongoing problem and i would like to have them investigated.

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 2022-08-02
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2022 I spoke to a rep on the phone regarding my issue with the public record ( XXXX ) on my report and a social security number on my report that doesn't belong to me. Experian had social security XXXX and that's not my social. They claim to have updated it to the right one. I disputed the public record on XX/XX/2022 and the results came back verified on XX/XX/2022. Experian did not tell me who verified and/or how. They simply said it was verified. I called customer service and the rep stated that they don't need to tell me how it was verified. He also stated that I shouldn't believe what people tell me about how credit works. This employee violated my rights. 

There is laws that we must all go by and Experian has a history of violating peoples rights. It's in the data base and this can't be tolerated. 

Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around XXXX on XX/XX/XXXX I contacted Enhanced Recovery Co LLC to inquire about a debt I owed them. I specifically asked if the amount could be settled for less and paid to be deleted from my credit report. I was told if I settled the account for {$590.00}, the account would be considered " settled for less than full amount '' and I was told that the collection would be removed from my credit report within " 24 hours to 45 days ''. I repeated my question and was ensured that the collection would be removed from my credit report if I paid. I agreed and paid the {$590.00}. Payment was taken out of bank account XX/XX/2022. 


Saturday XX/XX/XXXX, I called and requested a paid confirmation letter, which I was emailed. 



Monday XX/XX/XXXX at XXXXXXXX XXXX, collection is not removed from my credit report. I called Enhanced Recovery to ask for an estimated date of when collection would be removed from my credit report and was informed that even though I paid off the collection, they would not be removing the collection. I informed the staff member on the phone that I was told by their company that the collection would be removed if I paid, and she told me " enhanced recovery will not delete collections from credit reports ''. 


Enhanced Recovery misrepresented themselves in telling me they would remove the collection after payment is successfully processed, and then refusing to remove collection after receiving payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: DE
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:
It has now been over 30 days since I sent my dispute letters regarding the late payments, I recently discovered on my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX account # XXXX : XXXX ( 30 days late XX/XX/XXXX, XXXX and XX/XX/XXXX ) XXXX ( 30 days late XXXX and XX/XX/XXXX ). 


These three major bureaus are in direct violation of my rights and I am seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I currently have a collection that appears on my XXXX and XXXX credit file from Bay Area Receivables. They are located at XXXX XXXX XXXX XXXX XXXX, MD XXXX. Their Phone Number ( XXXX ) XXXX. 
I used a professional credit company to dispute this collection and they refused to remove the debt or provide any additional information regarding the original creditor. The original creditor is XXXX XXXX XXXX which I have no idea who this company is and have never had any dealings with them. When I called directly to Bay Area Receivables an gave them the account number that is listed on my credit file they asked if I was XXXX XXXX. My name has never been XXXX XXXX, my maiden name nor married name. They then proceeded to tell me that the only way they could verify the debt is for me to give them my Social Security Number! There is no way I am giving my SS # to a company that doesn't even have my name correct nor has ever sent me correspondence directly regarding this collection that appears on my credit file. The collection is from XX/XX/2016. Well past the statute of limitations. I believe I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-02
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 disputed a charge of XXXX USD of XXXX to Chase because " overcharged for something you did purchase with the card ''. The stated price is " XXXX '' in my confirmation email and the website of XXXX. Chase completely disregard the evidences ( the attachments XXXX, XXXX, XXXX, XXXX, XXXX, Signature.pdf, Summary.pdf ) I provide to them proving that the stated price is " Free '', and replied with " You disputed the charge ( s ) because you believe the mechart didn't provide the services you purchased. Based on the information available, we found that you received the services ''. 

I don't believe Chase can not distinguish between " overcharged for something you did purchase with the card '' and " the mechart didn't provide the services you purchased ''. If I still can not resolve the issue at this CFPB stage, I have no other choice but to continue to go to the small claims court to seek justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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:
XXXXXXXX XXXX XXXX fraudulently opened a car lease under my name and used XXXX XXXX as lender now reports on my credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my phone and wallet were stolen. I called Chase Banks customer service number using my wifes phone to cancel my cards the next day because their customer service is not open at night. There was a fraudulent charge on my account in the amount of {$350.00} within the next day. I made a claim and received a provisional credit. I then had to purchase a new phone and cancel all my cards. The investigation came back and they reversed the charge on the XXXX. I called them backed on the XXXX and asked for a reason why they reversed the charge, they indicated that since I received a text message with the verification code and sent the money that it is not fraudulent. Well of course, I didnt have my phone. IT WAS STOLEN. I was going to get a supervisor on the phone to better explain the reason and mid transfer, the representative hung up on me?? Now Im out of {$350.00} and I can not get a proper justification on why I cant get my money back. 

Chase is not professional and clearly avoided any reasonable investigation. I did not make these charges.

Company response to consumer: Closed with monetary relief