BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-07
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX, XXXX.. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages. Please provide validation for the following accounts as listed on my credit reports : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. If you can not provide me the proper validation remove off my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Bank of America XXXX  I had money in my account for XXXX on XX/XX/2023 the next day XX/XX/2023 it was gone, someone had commited fraud on my account called them on XX/XX/2023 had my card closed they told them they won't give me a new one to replace it because they said that the address was a XXXX XXXX address I don't live in XXXX XXXX, I live in XXXX. They told me to call XXXX to change the address I did and the information on my edd account is my actual address which is XXXX, Ca. So someone took {$930.00} of my XXXX money and Bank of America has done nothing to stop it.

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 2023-07-04
Company: Dave Operating, LLC
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, Dave banking took XXXX dollars out of my primary banking account without any authorization and held those funds. I was originally told in 2-3 business days those funds would be released. On XX/XX/XXXX, the money that was taken out just disappeared in my Dave account. I contacted Dave regarding the matter and they told me they'll issue a refund and to wait another 3-5 business days. I did as instructed and on the 5th business day those funds were never returned to my primary banking account. I contacted my bank account and was told by multiple representatives that the funds were never returned. Dave apparently lied to me about the refund and is refusing to give the XXXX dollars back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023, an unauthorized EFT transaction was submitted to my USAA checking account. On XX/XX/2023, I saw and disputed the EFT transaction with USAA, and with the merchant, XXXX. XXXX could not find authorization so they agreed to investigate and reverse the charge. After speaking to XXXX I contacted USAA again to request a provisional credit and provided USAA with XXXX 's complaint number. On XX/XX/2023, I tried to log into my USAA account but my access has been denied. I contacted USAA via telephone to inquire about gaining access and was told that the fraud department has locked my account for 7-10 business days while they investigate the dispute. USAA does not have brick-and-mortar access so the only access account holders have is online. When I reported/disputed the transaction I was not given notice that access to my account would be denied nor could I find any disclosures that provide notice regarding denying access to one 's own account while they investigate a disputed transaction. Locking account holders ' access while USAA investigates fraudulent and/or disputed transactions is intended to chill account holders from submitting disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My account was Hacked on the week of XX/XX/XXXX to XX/XX/XXXX. A total of approximately {$5300.00}. My card was with me at all times. 
ATM withdrawals, purchases at XXXX XXXX, XXXX, all purchases made in XXXX NY. I dont leave there! My residence is XXXX OH and work in XXXX XXXX Michigan. 
I contacted the bank the first time XX/XX/XXXX and a claim was submitted. 
I reached out again XX/XX/XXXX because I havent Heard back and they told me the claim was denied and close the claim. They also told me they send me a letter notifying me, that I never received. The bank is saying that my pin was used and refused to pay my money back. 
They also refuse to provide me with assistance on documentation that I can provide to retrieve my money. My claim # is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: IN
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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: ENOVA INTERNATIONAL, INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CASHNETUSA has not honored my cease and desist contact including email communication. All correspondence is supposed to be sent by mail only. Emailing my inbox is a violation of the cease and desist order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Capio Partners, 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 status incorrect

Complaint:
I have no knowledge of this company and why its on my bureau. Company does not own rights to the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Mr. Cooper Company increased my monthly mortgage payments by more than {$300.00} a month, justifying that my tax and insurance premiums went up and that they needed to add more funds to my escrow account. I have yet to receive any written notification regarding this increase. I discovered that by chance when I was navigating through my online account. Mr. Cooper also failed to pay my 2022 taxes on time out of the escrow account, leading me to receive a foreclosure warning letter from the City of XXXXXXXX. I contacted my local city tax office and found that my tax rates stayed almost the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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, I have no knowledge of this 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. Please take this off. 


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 2023-07-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called Wells Fargo on XX/XX/XXXX to advise them of a fraudulent charge on my XXXX account dated XX/XX/XXXX listed as XXXXr {$310.00}. They opened an Investigation during the investigation it was determined that XXXXXXXX  has been taking anywhere from XXXX cents a month from my account starting in XX/XX/XXXX. Wells Fargo closed the Investigation and issues me a final credit of XXXX cent. They are refusing to refund my money from the date of XX/XX/XXXX because they say they only pay for fraud for the first XXXX days from the date it started and they don't have to return my money due to the time frame. I was not aware of the other transactions and they don't concern me as they sum was low. I would like to have my money returned and Wells Fargo stick by their fraud protection guarantee.

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 2023-07-05
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXX XXXX ( XX/XX/2022 ) XXXX OF XXXX XXXX ( XX/XX/2022 ) XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. 

I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification.

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 2023-07-05
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/ with approximately {$35000.00} left on my original loan. My Mortgage Loan was transferred to Green Tree Servicing LLC d/b/a Ditech d/b/a Shellpoint Servicing then Sold to XXXX XXXX XXXX. Green Tree Servicing LLC put my account in default the first month and foreclosure the 3rd month by withholding the first and all payments thereafter. I have been fighting the Lenders and the Court System for 9 years and have hit a brick wall from the highest level and from all angles. The Court System doesn't care if your signature and documents were forged by the Lenders. The Judges allows this White Collar Crime Foreclosure Fraud to use the Court System to break the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: PCR Group
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 status incorrect

Complaint:
Complaints are with XXXX XXXX incorrectly reporting rental payment and status XXXX XXXX XXXX XXXX XXXX, MI XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX  XXXX XXXX for in accurately reporting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX XXXX XXXX  in XXXX Michigan lease denial XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX or ( XXXX ) XXXX XXXX for their credit screening process/denial based on inaccurate information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Adjustment Bureau is reporting a {$930.00} XXXX collection fee and incorrectly listed as an Eviction. I have had Legal Counsel involved which gave specific instruction to both XXXX ( XXXX XXXX XXXX XXXX ) as well as Account Adjustment Bureau. 

This was an early lease termination initiated by me the Tenant and not an Eviction as stated. XXXX failed to address several complaints or provide another solution regarding the unsafe/unhealthy living environment from Extensive Residential Drug by neighboring Tenants. My Apartment was constantly filled with XXXX and other XXXX  odors. After several failed attempts to address this with XXXX management, I gave XXXX proper notice, all rent was up to date and paid on time. 

This is affecting my ability to find a rental with XXXX XXXX  in XXXX Michigan. I I was refused a lease due to XXXX  credit screening. 

Please see attached letter from Attorney. Any additional supporting documentation can be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received all the loan information from an attorney ; my sale, the sale Exeter Financial made when they sold my car, the addition funds from XXXX XXXX used to pay for the vehicle, and the amount XXXX XXXX XXXX XXXX I owe fails to leave out what Gap Insurance paid. They added the amount prior to what was owed, and I will be submitting all of the paperwork, Installment Sale Agreement ( with XXXX Provisions ). It is clearly written out in the contract, itemized ; detail by detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
My name XXXX 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 reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: BlueChip Financial
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My loan/account with creditor, Spotloan, was 30 days past due on XX/XX/2023, as a result of XXXX  XXXX and financial hardship ( evidence of XXXX can be provided upon request ). I attempted to log into my account on XX/XX/2023 and was unable to. 
On XX/XX/2023, I attempted to log into my account again. I was unable to log-in for a second time ; therefore, I contacted the creditor, Spotloan, to resolve the issue and gain access to my account ( Exhibit 1 ). 
On XX/XX/2023, Spotloan, responded to my request from the day prior, stating the following ( Exhibit 2 ) : " We regret to inform you that your online access option is unavailable due to the delinquency of your Spotloan account. 

You may call to make a one-time debit card payment or go over other payment options by contacting us at XXXX ( XXXX ) XXXX. 

Once you make a payment, you will have the option to log into your Spotloan account again. Be aware that interest on returned payment ( s ) accrues on a daily basis and missing a payment can get expensive fast '' As a result of the delinquent payment, the creditor, Spotloan, has revoked access to my online account. In addition, Spotloan, does not provide mailed statements. I am unable to view my account information, payment dates, past due balance or total pay-off amount. 
As the issues I am experiencing, as a result of XXXX XXXX, continue to improve I am working on reducing my debt and would like to start by paying off high interest loans/accounts, such as my loan with creditor, Spotloan. However, Spotloan 's revocation of my account access has made it so that I am unable to view any information regarding my account in order to appropriately plan repayment. 

A signed summary of this request is attached as Exhibit 3.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: DISCOVER BANK
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit report is showing a Discover Personal Loan with an outstanding balance of {$6400.00} whereas the loan is paid off with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Paramount Capital Group, Inc.
State: OH
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: Problem with personal statement of dispute

Complaint:
I am a over the XX/XX/XXXXI am paying on a loan from Paramount Capital. They reported that my payment is 30 days late which is a lie. I paid the minimum full amount of {$420.00}. Ive been making on time payments with for the last 3 years. They destroyed my credit my report of 12 years of building it. I did talk to them and they will not do anything to fix it. This not fair. It happened on XX/XX/2023.

Company response to consumer: Closed with explanation