BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Scott & Associates, PC- Have repeatedly had different people come to my home in very early morning hours, as well as late evenings. The people repeatedly ring the doorbell and knock on the door. They lie and say they are delivering package and have said I have been served as if they are an official government. The notice comes with a yellow paper that says " this can be resolved outside of court and contact us at XXXX. 

These collectors have come to my home 2-3 times a day in some cases. Today I was left a HUGE red folder taped to my front door along with the yellow paper. 

this has to stop This has been for myself and my husband as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid off my loan as part of a refinance. IFS then erroneously debited my account for a regular payment even after the loan was paid off. I have called in 5 times to get this resolved and each rep has left me with lies and cons to get me to call back a later time. 

First person told me that I would get that automatically refunded. Several weeks later and no refund. Second person said that I needed to call my bank where the money was debited from, of Course that was a lie as I called my bank and they told me and provided evidence that the money fully cleared and was with IFS. Third person I called told me to send an email to their customer support email and then call back 1 business day after that. Fourth person told me that no such email exists, making it sound like that was just a coy to get me off the phone. Fifth person acknowledged that the account was overpaid but gave me a similar answer that the system was just going to refund me but it has been a month now and no evidence or sign that a refund is coming. 

XXXX I paid off my loan with IFS as part of loan refinance. 
XXXX IFS debited my account for a regular payment -I am still without resolution as to how or when I will be refunded this money having called 5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to file a complaint against Franklin American Mortgage Company for the delay in refunding our escrow balance for a loan that was paid in full, under 1024.34 ( b ) ( 1 ) of RESPA. Our loan was paid in full on XX/XX/19 and per the paragraph of RESPA listed prior, the servicer has 20 days to return escrow, excluding public holidays and weekends. The 20 days elapsed yesterday, XX/XX/19, and we have not received our escrow refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On or about XX/XX/2022 I noticed that when I tried to transfer my mother-in-law {$35.00} for my monthly gym membership my Venmo account was locked. I reached out to Venmo on XX/XX/2022 to inquire about the " frozen account '' and see what I needed to do to resolve the issue. The first person I spoke with informed me that I should have received an email from a " specialist '' and that I needed to respond to that email with the required documents and information needed to have my account taken from a frozen status. I explained to the customer service agent, that I never received any emails from Venmo or a specialist, and even checked my junk mail in my email. Also, on the same phone call I confirmed my email address with Venmo to make sure they had the right one on file. 

A second phone call was placed to Venmo support in regards to the same issue, my account was still frozen five days later and the issue still has not been resolved. When I reached a customer service agent, I explained to him that previous issue I was having and went over with him what was told to me by the previous customer service agent. He then told me that I should still needed to look for that email and when that email arrives to respond to the email. 

on XX/XX/2022, I sent an email to Venmo Support outlining my ongoing issues and also requesting assistant from them on helping me get my account out of a frozen status. 

As of this filing, I still have not received an email from Venmo, Venmo Support, or a Venmo Specialist to correct my ongoing issue. My account as of XX/XX/2022 is still locked and I am still unable to use my Venmo account. 

Attached you will find email corespondent between myself and Venmo Support in regards the ongoing issue with my account still being frozen, even after their quoted time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax compromised 143 million US consumers data. I went to check if I was one of them and to sign up for their protection services. Since I was indeed one of the 143 million. I did not realize that by accepting their terms of service I was opting out of possible class action suit against Equifax, See : XXXX XXXX XXXX " ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. '' How was I supposed to know that was written in, I was concerned about personal information being compromised and in a state of panic. I swiftly tried to do the right thing by following what Equifax recommended, and in doing so unknowingly gave up my small and seemingly only right to arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Asset Management Outsourcing, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not responsible for this debt. I have never received any correspondence in regards to this debt and I need it removed from credit report because it is negatively affecting my credit score. This needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Called in XX/XX/2022 to make credit card payment on time. Rep processed my payment gave me a confirmation number. Payment evidentially never went through because rep didn't put my correct billing address in bank blocked it. I was never informed of this, by the time I was informed of this it was time for my XXXX payment & my credit score was dropped immensely because of the representatives mishap.

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 2022-02-13
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This loan was a fraudulent loan. In which a law suit has occurred. I would like them to remove the loan from my credit history. And repay me any money that I have already paid to them, they ordered me to pay through my employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX XXXXXXXX BANK XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2017-09-08
Company: EQUIFAX, INC.
State: IL
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/XXXX, I read that Equifax experienced a security breach affecting 143 million consumers. I also read that they knew about this hack as early as XX/XX/XXXX, AND that 3 senior executives sold off millions of dollars worth of Equifax stock prior to this becoming public knowledge.
My personal issue, apart from obvious insider trading violations on their part, is the website they set up to see if individuals ' information was compromised.
The website, https : //www.equifaxsecurity2017.com/, has a link to help you determine potential impact : https : //www.equifaxsecurity2017.com/potential-impact/ This URL XXXX XXXX XXXX  throws off a DANGEROUS site message from major browsers ( not comforting when your information has a 1 in 3 chance of already being violated ). It also does not reflect that it is owned by Equifax in the WHOIS lookup, which also does not engender confidence in neither the site 's security nor authenticity.
By way of contrast, XXXX is CLEARLY indicated via WHOIS lookup as owned by Equifax.
1 ) Why is XXXX throwing off a DANGEROUS site message?
2 ) Why does it not clearly indicate that the registrar and owner of the site ( which asks you for your last name as well as last 6 of SSN ) is Equifax 3 ) How does a consumer actually find out if they have been compromised without having to enter their info on a site that is not registered to Equifax and a site that throws off browser security errors? Their XXXX number found here : https : //www.equifaxsecurity2017.com/contact-us/. ( XXXX ) just returns a call failed. According to the site, " For consumers with additional questions, Equifax has established a dedicated call center. The call center is available at XXXX, every day ( including weekends ) from XXXX XXXX XXXX XXXX. Eastern time. " ... I tried calling at XXXX and XXXX am Central Time ( XXXX and XXXX am Eastern ) today ( Friday, XX/XX/XXXX).
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. XXXX Account Number : XXXX Please remove it from my credit report. 

2. 0XXXX XXXX XXXXXXXX BANK XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXXXXX : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2017-09-08
Company: Risecredit, LLC
State: TX
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:
Rise Credit is fraudulently reporting my account as a collection charge off to the credit bureaus. I have asked for proof from both the credit reporting bureaus and the furnisher of the reported information. Not only have my request been met with zero proof, the time frame far exceeded the FTC investigation times. I have asked that this item be removed from my report as it is not verified nor, factual. Nothing has been done regarding this matter ( disputed 6 months ago )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days.

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 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX.. .. the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing

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 2022-02-13
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not been provided any details nor contacted regarding this debt. Account with original Creditor has already been closed and paid in full prior to debt collection attempts. I have not entered into any further agreements or provided any signature for a contract in validity of this debt.

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 2022-02-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX DOB XX/XX/1982, SS XXXX I was looking at my report and I noticed that XXXX of my accounts are not reporting to my credit file at all. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are not updating or showing on my credit report, They are not showing on my XXXX XXXX, XXXX or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX   XXXX   XXXX . is saying that I owe {$250.00} for a hospital bill. I have no outstanding bills with this hospital or  XXXX   XXXX   XXXX   XXXX  . This was not me

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