BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
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:
Im requesting that ARS ACCOUNT RESOLUTION validate the debt below. 
This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( XXXX ). Proof that you either own or were assigned the debt from the creditor. 
( XXXX ). Proof that you have the right to collect this debt in my state. 
( XXXX ). Proof that your company carries a bond. 
( XXXX ). Proof of how your company assessed the outstanding debt. 
( XXXX ). Payment history from the original creditor. 
( XXXX ). Name and address from the original creditor. 
( XXXX ). Copy of the original contract bearing my signature. 
( XXXX ). Chain of title on this debt. 
( XXXX ). Proof that you can collect this debt from me. 
( XXXX ). Do you own it or is this debt assigned? 
( XXXX ). Copies of all letters sent to me from you and from the original creditor. 
( XXXX ). How much did you buy the debt for? 
( XXXX ). When was the last date a payment was made on this debt? 
( XXXX ). What fees/interest was tacked onto the debt? 
( XXXX ). How were the fees determined? 
While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 
Thank you for your time and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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: Public record information inaccurate

Complaint:
Being downloaded is a Debt Validation Letter to Experian pursuant to 15 U.s. Code 1692g - Validation of debts, and 1006.34 Notice for validation of debts. 

I am requesting Debt Verification from Experian in their investigation results from [ XXXX XXXX XXXX XXXX ], I have a right to request all records, pertaining to the sealed eviction record, that is sealed from general public, I want documentation to show how they came up with the " Debt being verified as Accurate ''. I want the documentation they requested from the company to know what is being submitted to Experian, and I want documentation regarding how Experian investigated, and what evidence they obtained to verify the debt is verified as accurate. I do not want incomplete documentation, and I definitely do not want to be ignored, and recieved no response from Experian, I have a right to know what is being reported, all records so that I may review them, and dispute any, and all innacurate information, being submitted to Experian from XXXX XXXX XXXX XXXX in their investigation, I want Experian to send documents from XXXX XXXX XXXX XXXX, pertaining to them being licensed in the state of California as A licensed Debt Collection Agency that Collects on Public Records, Experian needs to provide with this companies License number so that I may be able to investigate to see if they are authorized to collect doing business as a third party collection agency, I want validation, that they are permitted by the courts to release the public record to the general public, to include credit reporting, after the ( record was sealed from the general public ) .meaning it is prohibited from appearing on my credit report. ( 2 ) I want Experian to verify the case number that is on the documents submitted to exclude any fictitious fake account numbers that XXXX XXXX XXXX XXXX tries to give them to verify it is a valid collection, I want Experian to verify and list in their paperwork submitted to me the original Case number XXXX, I want to know why Experian deleted the public record, and re-inserted the sealed record back on to my credit report, when Experian no longer reports public records, or judgments, I want an explanation as to why it has been re-inserted a total of 20 ( X 's ) after deleting it 20 ( X 's ) exceeding the re-insertion limit, Experian has a total of ( 30 ) days from the date they receive this 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 2023-05-29
Company: Checkr, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a XXXX XXXX with XXXX from XX/XX/XXXX until XX/XX/XXXX. In order to qualify to work with XXXX I was required to take and pass a background check and motor vehicle report check. My background check result did not change and was the same from the date of approval until XX/XX/XXXX. Meaning, no additional charges was added or dropped from my report. After speaking with numerous amounts of customer care representatives both at XXXX and XXXX in XX/XX/XXXX and XX/XX/XXXX, I discovered I was discriminated against. I was informed I was ineligible for hire due to my background check results. XXXX or none of the charges pending under the First Offender 's Act law was subject to the " disqualify a person in any employment application as provided in O.C.G.A. 42-8-63-1 ''. In other words the charges against me were not of a sexual, child/elderly abuse offense, or to become a peace officer nature. Review the attached First Offender Act Clause provided to me by my Attorney in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: SANTANDER HOLDINGS USA, INC.
State: AZ
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: Billing dispute for services

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car pursuant to 15 usc 1681 ( a ) the banking system is depended upon fair and accurate reporting, furthermore you have infringed upon my right to privacy later stated within the congressional findings of the FCRA. 

I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting innacuate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payments, I demand deletion at once with these late payments reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from exercising my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Affirm Holdings, Inc
State: VA
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:
I am currently an XXXX XXXX XXXX. Currently reside in XXXX. My personal information such as my social security and state ID were stolen and currently being used to open fraudulent accounts. My social security is being used by an illegal immigrant. Per my request please remove all accounts being reported as late or delinquent on all my credit beaure. All account are listed on the identity report. As this is defamation and of my character and livelihood. 

15 U.S. Code $ 1681c-2 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 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to 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 lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Resurgent Capital Services L.P.
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:
LVNV FUNDING LLC Last reported XX/XX/2023 {$670.00} Open balance You are in Direct Violation of The Fair Reporting Act ( LVNV FUNDING LLC ) has violated several of my rights. 
15 U.S.C 1681 section 602A. Clearly states that i have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2. Its also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.A 1666B : A creditor may treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: PA
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:
I reviewed my Consumer Reports and noticed that I had nine late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) I opened an investigation and after about 25 days did not show any proof of being late on these accounts. I demand to have the late payments be removed from my report or other legal action will be taken.

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 2023-05-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When I was with Wells Fargo I was charged fees for using my money and then stating I was in overdraft when I wasnt. Each month for 2 years I was charged XXXX per month and they stated it would get corrected and it never did. I contacted them about my settle amount last month and they stated I wasnt owed anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Upon checking my consumer report i noticed inaccurate accounts and information that does not belong to me, i didnt authorize to any of this information to be reported on my credit recorf, it's affecting my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: AES/PHEAA
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: Account status incorrect

Complaint:
Upon checking my consumer report i noticed inaccurate accounts and information that does not belong to me, i didnt authorize to any of this information to be reported on my credit recorf, it's affecting my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 REPORTING ACT CAPITAL ONE ACCOUNTS # XXXX AND # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Convergent Resources, Inc.
State: CT
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:
They did not investigate properly.

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 2023-05-29
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
My account with Wise was closed abruptly on or before XX/XX/2023. In doing so they are preventing me from helping and supporting friends and family abroad. They did not give me a valid reason nor the opportunity to defend the use of my account. This is unprofessional and done without concern or care for me as the customer. It is not a crime to help and support individuals that are less fortunate. 

I am very disappointed and dissatisfied with the decision. I would like to have my account teopened. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presumed that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-05-29
Company: JPMORGAN CHASE & CO.
State: PA
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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presumed that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: AmeriHome Mortgage Company, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was placed on forbearance during the pandemic and on XX/XX/XXXX I called into the offices to get information on my forbearance ending and heard a recording if I wanted to make a trial payment. At the time was aware of the meaning or reason for a trail payment got thur to a Amerihome Mortgage representative and I proceeded to ask about the meaning of a trial payment. He asked if I had received the documents in the mail that I was to pay XXXX a month for three months. I replied I had never received a letter from Amerihome Mortgage regarding this. The agent asked would I accept a verbal agreement over the phone, I accepted on the payments were to start in XXXX, XXXX, XX/XX/2021 for the trail payment amount. I asked the representative could I make the first payment while we on the phone for the month of XXXX that day. I asked again is it ok to pay this now. I was placed on a brief hold he return and told me that was it ok to make the payment earlier than the schedule date. Made the payment and in XXXX made another payment and around the XXXX of XXXX I received a letter stating I missed a payment for XXXX. I immediately call and was told my trail payments started in XXXX not XXXX and my trail payment wasnt any longer available because I missed a payment. So I was told I had to submit a loss mitigation packet which they would send out. 
I wasnt happy with this news so I requested to speak with a supervisor for Amerihome mortgage customer service. I explained the phone call to set up trail payments and the dates that I and the representative agreed to. I asked them to listen to the recorded phone message. I was asked to call back in 5-7 business days called back round the end of XXXX and was told by another customer service manager that the recording has been pulled and there was a mistake on there behalf regarding the starting date of the trail payments and would be shown I made the payment on time. I was told that 1or 2 things would happen add a additional 10years to my mortgage term or work out a repayment plan. Called again a few weeks later was aske to fill out a loss mitigation packet, I asked why and I was told thats the next step. I called to speak with another customer service manager and see assured me that I didnt need to do so and she had sent the loss mitigation department the info along with correct information to proceed to the next step of deciding of the 2 options. Call back and all this just disappeared I was told again to submit a loss mitigation packet. Did so 4 more time receiving documents from mortgage company that they received everything and there no need for any further documents and also go letter saying I was in underwriting. And this has been going on since XX/XX/2021. I submit a loss mitigation packet and they send a letter say received and no other information needed check back and it same thing over and over. So Ive to this day submitted 6 Loss mitigation packets..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX my Paypal account was closed without any warning. I had done nothing wrong. All of my transactions were either sending money to a company for a payment of goods or services or receiving/sending money to a friend. Both types of transactions are what Paypal terms and conditions state that their accounts are used for. 

I had a refund from a diving company in XXXX that amounts to {$240.00} on XX/XX/XXXX. This is sitting in the digital Paypal wallet. Paypal will not let me withdraw my refund. 

I request that my refund be transferred to my linked bank ASAP. This is my request. 

The email address associated with my Paypal account is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
there is an account in my credit report that i do not know .. this accoun show me that i posses {$690.00} in debit collection for some years ... .this company name as Shoutwest credit system is using a fair credit reporting act violation..

Company response to consumer: Closed with explanation