BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: AMERISAVE MORTGAGE CORPORATION
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX, 2023 Amerisave charged me, a senior citizen and potential customer, to transfer a XXXX appraisal to XXXX XXXX who requested the transfer. I did not take a loan from either company as my current mortgage is 3.5 % so what I wanted to accomplish was not possible. They charged me instead of XXXX XXXX {$620.00}. Yes. {$620.00}. And it did me no good. I think this is an unreasonable and greedy charge for a senior citizen who is struggling to pay bills. 
Second - Again Amerisave put their name onto my XXXX XXXX insurance before any final decisions were made. So when the insurance came due in XXXX, Amerisave was billed.. They didnt pay it or inform anyone that they were not the holder of my mortgage. I had to pay the {$460.00}. to avoid cancellation and I am still waiting for my reimbursement from XXXX. This is XX/XX/XXXX. 
I think Amerisave overcharges and is greedy. They possibly take advantage of senior citizens. They do not let anyone know the status of an account or past application in order to make simple procedures easier. XXXX XXXX never added their name as the holder of my mortgage while I was dealing with them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: HOVG, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX, I noticed a significant drop in my credit score due to the presence of a reported debt collection from XXXX XXXX XXXX XXXX. This debt collection is linked to my gas service account, bearing number # XXXX. 

To provide some context, in XX/XX/XXXX, I opened a gas account for the residence located at XXXX XXXX XXXX XXXX XXXX. Subsequently, in XX/XX/XXXX, I moved out and promptly contacted XXXX to close the gas service account. During that call, a representative assured me that the account had been successfully closed, and I would not incur any further charges. Since then, I have not initiated another gas account nor received any subsequent notices, bills, or communications pertaining to this account until the recent entry on my credit report. 

On XX/XX/XXXX, I sent a letter to BAY AREA CREDIT SERVICES, formally requesting validation of the debt. I also sought an explanation regarding the circumstances surrounding this alleged debt and requested any associated documentation. Regrettably, to date, I have not received any response to my inquiry. I reiterated this request on XX/XX/XXXX, and, disappointingly, the company has yet to provide a response. 

I would like to solve this problem as soon as possible. However, it is virtually impossible for me to address a debt for which I have not been adequately notified and provided with supporting documentation. It is also challenging to address a financial obligation when the company involved does not seem to make any direct efforts to contact me. 

I kindly request your prompt attention to this matter and the resolution of this issue so that I can work towards resolving any legitimate financial obligations that may exist.

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 2022-12-19
Company: Capio Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A new Medical Collection was added to my credit on XXXX XXXX XXXX that does not belong to me. 

AssetCare , LLC ( XXXX ) XXXX Asset care purchased an account on XX/XX/XXXX. 

I was able to speak to a representative after the first two supervisors disconnected my call without answering any of my questions and concerns Lastly I spoke with XXXX, and I verified this is not an account that belongs to me and they reported the account to the credit bureaus incorrectly. NO efforts to confirm with me that this account is valid. They advised they called once on XX/XX/XXXX and were told they had a wrong number, they then mailed out a letter on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX, I told them this is an incorrect address as the street name is spelled incorrectly, BECAUSE they did not receive a response to a letter AssetCare mailed out to a wrong address they submitted this account without any proof of validation to this account. I asked for a copy of the letter they supposedly mailed out to me on XX/XX/XXXX and they told me they could not provide me with a copy. I requested that they immediately notify the credit bureaus this account is being reported incorrectly and immediate deletion. I received confirmation they would be processing request for deletion pending an itemized bill of the services rendered for that account. They are now in violation of any HIPPA law protecting consumers of their privacy rights. 

Lastly, I was told once they mail out the itemized bill they will automatically start reporting it as a collection to the credit bureaus, even though they're only attempt to validate this debt was sent to a wrong address. This has caused immense conflict to my credit journey will be requesting costs for statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: AMERICAN EXPRESS COMPANY
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:
Amex offered me a new credit card XXXX. Our business already has a XXXX and a XXXX with outstanding history. The advertisement offered included spending {$10000.00} within 3 months of opening to get rewards, however, AMEX declined transactions and, when contacted, informed me I only have left about {$200.00} after spending no more than {$1500.00}. Customer assistance informed card does not have a pre-set limit which is not true as well. Now I have a card that charges {$300.00} for an annual membership, which was offered to me with rewards I can not achieve cause it does decline transactions and set an incompatible limit to the offer and to our business profile. I can cancel the 3 cards under XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: CA
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:
These inquiries where not undertaken by me. Share same name with family member. 
XXXX for all four dates : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/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 2023-03-13
Company: BMW Financial Services NA, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed disputes regarding the late payments from on my BMW Financial services account. They are saying that a payment was not made but in fact a payment was initiated to them. This inaccurate reporting is affecting my score by XXXX points. This is my last and final attempt to have BMW financial correct the 30 day late before I have to pursue legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Resurgent Capital Services L.P.
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

LVNV FUNDING LLC XXXX 15 U.S.C 1681 Section 602 ( a ) ( 4 ) States accuracy and fairness of credit reporting and I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c Section 605 ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s Section 621 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: PA
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:
XXXX and Equifax keeps stating information is verified as accurate. I want XXXX and Equifax to send the Method of Verification, who did they verify Bankruptcy with, I want name of person spoken with, address, phone number, agency and where did they SPECIFICALLY get verification information according to the FCRA guidelines. They are not being truthful. Can they provide a statement of penalty of perjury they followed FCRA guidelines to verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: WESTERN UNION COMPANY, THE
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
My complaint is that Western Union has received my money and is now holding onto my money unnecessarily instead of immediately delivering to my receiver in XXXX. 
Additionally, the exchange rates have also changed ( + {$0.00} ) during this unnecessary delay. 

I consistently use Western Union on a monthly basis with the same type of bank to bank transfer transactions and it has never taken this long to execute my request. 

Supervisors were unable to address my issue and advised that they have not received my funds yet, but even after offering evidence that the funds had cleared my bank account ( not pending ). 
When supervisor was asked what government entity regulates their business he was unable to provide me the information. 

Western Union supervisor and representatives stated that they have up to 4 business days to process my request as banks take different amounts of time to release funds- this is not the case here as my transaction has cleared. 

Western Union transaction reference : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1.I have never had an account with this company XXXX XXXX XXXX XXXX XXXX from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

.

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 2023-04-11
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00} andXXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$32000.00}. Please remove this as soon as feasible.

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 2022-12-19
Company: EQUIFAX, INC.
State: MI
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:
The following accounts are incorrect, and is affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my other endeavor to tell XXXX AND EXPERIAN CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00}, XXXX  XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$250.00}, XXXX 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 explanation
Consumer complaint received 2023-04-11
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
attached is the CERTIFIED MAIL FROM XXXX XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX Open options Account # XXXX XXXXXXXX XXXX XXXXOpen optionsAccount # XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # : XXXX XXXX XXXXOpen optionsAccount # : XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX options Account # : XXXX XXXX Open optionsAccount XXXX XXXX XXXX XXXX XXXX XXXXOpen options Account # XXXX XXXX XXXXXXXX Open optionsAccount # XXXXXXXX XXXX XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX MISSOURI Open options Account # XXXX XXXX XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX XXXX XXXX Open options Account XXXX XXXX XXXX XXXX XXXX options Account # XXXX XXXXXXXX XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts 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 explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: AL
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 and per the standards of reporting compliance Implemented with the XXXX enacted XXXX XXXX COMPLIANCE regulations. This creditor ( XXXXXXXX XXXX ) violated my rights under 15 USC 681 Section 602 States I have the right to privacy. 15USC 681 Section 604A Section 2 states a consumer reporting agency can not be furnished an account without my written instruction! Under 15 USC 1666B a creditor can not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. I demand the mentioned derogatory items be permanently removed for my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation