BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: Radius Global Solutions LLC
State: TX
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 submitting this complaint on behalf of myself. It is sad that these companies can flat out violate the federal law like this. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I will be filing with the federal courts about the continuous back and forth with the credit reporting agencies and companies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify not one thing. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level.

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 2018-11-06
Company: Ability Recovery Services, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account should not be in collections, if not removed I will contact an attorney

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 2022-08-26
Company: GOLDMAN SACHS BANK USA
State: NY
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 noticed an unauthorized charge on my Apple ( Goldman Sachs Mastercard ) from the app store as an in-app purchase. I disputed the charge and it was denied. I requested a review of the denial and it was denied again. Apple support stated there is nothing they can do and I am responsible for the unauthorized charge as they have no recourse after initial dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: MARINER FINANCE, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It has come to my attention that Mariner Finance has acquired and shared my information to other companies without my written permission. According to XXXX XXXX XXXX  - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX  ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of XXXX XXXX XXXX ( a ) ( XXXX ) Infringed Upon a Consumers Right to Privacy.

Furthermore, this account is reporting negatively on my consumer report when it is paid in full. On my XXXX and XXXX is it reporting as a derogatory mark which isn't accurate and is hindering my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: CURO Intermediate Holdings
State: TX
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:
XX/XX/2012 I received notification of a late payment for a payday loan that was opened online. However, this account was opened fraudently and I called the company to explain. I even faxed them a copy of the police report during this time. It is still listed on my report and Ive continued to dispute this through the company and all 3 credit bureaus but it still remains on my credit report. I recently sent a validation letter to them so that they can validate this information but it has been 30 days and still no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: MO
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 accounts as followed XXXX Account Number XXXX XXXX Account Number XXXX XXXX  XXXX Account Number ( Opened XX/XX/2018 ) XXXX ALL have violated my Rights 15 U.S.C. 1681 section 602 A. States as follwed " I have the right to privacy '' 15 U.S.C. 1681 section 604 A Section 2 states as followed " A consumer reporting agency CAN NOT furnish an account WITHOUT my written instructions '' Instructions on which I NEVER gave to any reporting 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 explanation
Consumer complaint received 2017-09-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent total amount due to XXXX ( {$5100.00} XXXX to reinstate my mortgage on XXXX/XXXX/XXXX. According to XXXX monthly billing statement XXXX/XXXX/XXXX, this amount was due on XXXX/XXXX/XXXX, late after XXXX/XXXX/XXXX. The reinstatement payment should have stopped any foreclosure process. Nowhere on any paperwork from XXXX does it say funds must be secured funds. 

Meanwhile, XXXX transferred servicing of my mortgage to Carrington Mortgage Svc, but did not stop foreclosure proceeding scheduled for XXXX/XXXX/XXXX. Intuitively, I went to the foreclosure proceedings at XXXX XXXX XXXX 's XXXX foreclosure trustees ) office to make sure that the procedure was halted. I stringently affirmed to XXXX XXXX XXXX that I had paid total reinstatement amount showing them the check stub. XXXX XXXX XXXX employee stated that XXXX had n't informed them and they contacted XXXX. I specifically asked XXXX XXXX XXXX employee, " So what does this mean? Are you guys going to tack-on a few XXXX more in fees when I 'm already behind, after this? And, is the foreclosure process going to be stopped or not? '' XXXX XXXX XXXX employee said that there should be no additional fees, but that the reinstatement amount had to be paid in " secured funds ''. I told the employee it does n't state that anywhere on the XXXX monthly billing statement or in any paperwork from XXXX. I sent XXXX a check. The XXXX XXXX XXXX employee stated that I would be contacted by them if a new foreclosure date was scheduled because they had to discuss the matter with XXXX. 

About XXXX/XXXX/XXXX I received a reinstatement notification from Carrington stating that the reinstatement amount was now {$7700.00}. They had indeed added {$2000.00} in fees and {$140.00} in late fees. Furthermore, I inadvertently found out that there is another foreclosure date pending on XXXX/XXXX/XXXX, through a refi solicitation. XXXX XXXX XXXX never contacted me about a new foreclosure date and neither did Carrington Mortgage. 

Thus, I paid the total due reinstatement fee to XXXX on XXXX, I paid subsequent XXXX mortgage payment to Carrington. XXXX transferred loan servicing to Carrington Mortgage without inform XXXX XXXX XXXX or telling these trustees that I had made the reinstatement payment. The foreclosure would have been conducted on XXXX/XXXX/XXXX if I had not stopped it ( XXXX had time to inform trustees of payment ). Carrington Mortgage XXXX new loan servicer ) has added late fees and XXXX XXXX fees of over {$2000.00}. And, another foreclosure date is pending XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, 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 my rights have been violated by XXXX XXXX 

15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 604 A. Section 2 : It also Statesa consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
i am victim of identity theft, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, these are belonging to me, lXXXX XXXX  has been under investigation for 3 months, fcra says cra get 30 to process dispute for consumer this way over.

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 2022-01-13
Company: Experian Information Solutions 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:
I have never heard of XXXX no have ever done business with them so they need to remove it asap.

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 2017-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
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 found a credit card account on my credit report that I did n't recognize as one that I ever had. It is reported as a Charge Off and is seriously affecting my ability to get credit. 

I sent Bank of America a letter requesting validation of this debt on XX/XX/XXXX and I received no response. I also pulled a copy of my credit report on XX/XX/XXXX, 31 days after they signed for my first letter. They had failed to mark any of the bureau reports " disputed '' as they are required to do by the Fair Credit Reporting Act. 
I sent a second letter on XX/XX/XXXX requesting validation again and reminding them of their responsibilities, this was signed for on XX/XX/XXXX. I still have not heard back from them about this. All of these documents, including the letters, bureau reports from XX/XX/XXXX and proof of delivery will be attached in step 3. 

They have not responded since, this is unfair that they can just put this item on my reports and they are violating the law by not reporting that I have disputed this information.

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 2022-06-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by a Fraudulent company named XXXX 
It all happened around XX/XX/2022 They approached me online and manipulated me into investing and trading. 
I had no previous experience with cryptocurrencies and they took advantage of that. 

Unfortunately I invested around {$8300.00} in total, which I had to upgrade and add more funds to receive my profit. My profit started around XXXX through the website. Then significantly went up to {$22000.00} in profit. I was then told I had to pay a maintenance fee of {$5000.00} to get my profit. After I paid what was stated, thinking I would get my funds. I was then told my money was transferred to the bank I indicated above that would hold my funds, and I would be able to withdraw a total of {$36000.00} immediately. When I tried to withdraw the money, I couldnt due to a tax loan code. Then through an email thread, I was then told I needed to pay {$7500.00} to get my money out due a tax loan fee. I mentioned I wasnt aware of this. Then they agreed I pay {$5000.00} through a XXXX ATM to receive the code. This has caused a lot of stress by all this money being asked of. After waiting longer due to a lack of funds to pay, I finally came up with the total amount. I paid what was asked for the amount of {$5000.00}. Then they didnt give me the funds! They said there was an increase in the tax fee, but these increases will cover all fees, so I need to pay the initial amount of {$7500.00}, of which I already paid {$5000.00}, then they regret to mention I pay the remaining balance of {$2500.00}. After all of the investing and not being able to withdraw my funds i had realized it was a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XXXX XXXX, XXXX my mortgage was sold to SPS select portfolio services from XXXX my monthly payment was {$570.00} at that time which I had a loan modification with XXXX which is not being honored by SPS, now in XXXX XXXX, 2017 monthly payment is {$1200.00} I have called them 3 times trying to figure out why is my payment so high with no decent answers on XXXX XXXX, XXXX XXXX and XXXX XXXX I have reported them to texas attorney general also and I have not heard from them. I want to know if I could sue them, the reason I have not got a lawyer is because I m on social security XXXX income barley making ends meet with this new payment. I have looked up this company SPS on the internet and found out that they are well known for there predatory practices that a lot of there customers would love to sue them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Jim Bottin Enterprises, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX wanted to charge me the full monthly price of XXXX to terminate my contract ending on XXXX XXXX XXXX, but with access ending on XXXX XXXX XXXX. There was no clause my in my contract I would only have 10 day access for paying the full amount of the final month. The claim was " so that I would not be billed again. '' If that was the case, they should have charged me the prorated rate. There was no clause in the contract that my access to the gym would terminate early. The debt was disputed within the legal time frame of 30 days, so it not a valid debt because it is disputed. ABC financial continued their attempts to collect and have sent it to a third-party for collections. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: MO
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 accounts as followed XXXX Account Number XXXX XXXX Account Number XXXX XXXX  XXXX Account Number ( Opened XX/XX/2018 ) XXXX ALL have violated my Rights 15 U.S.C. 1681 section 602 A. States as follwed " I have the right to privacy '' 15 U.S.C. 1681 section 604 A Section 2 states as followed " A consumer reporting agency CAN NOT furnish an account WITHOUT my written instructions '' Instructions on which I NEVER gave to any reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 accounts as followed XXXX  Account Number XXXX XXXX Account Number XXXX XXXX XXXXXXXX Account Number ( Opened XX/XX/2018 ) XXXX ALL have violated my Rights 15 U.S.C. 1681 section 602 A. States as follwed " I have the right to privacy '' 15 U.S.C. 1681 section 604 A Section 2 states as followed " A consumer reporting agency CAN NOT furnish an account WITHOUT my written instructions '' Instructions on which I NEVER gave to any reporting 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 2017-09-12
Company: EQUIFAX, INC.
State: NY
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:
this Account Type Installment Loan Account Number XXXX Date Opened XXXX/XXXX/XXXX was paid in full and was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Mountain Run Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I was sent a letter from Mountain Run Solutions that I allegedly owed XXXX  {$1600.00}. I do not owe this company any money and this was my first time hearing that I allegedly owed a debt to this company. 
On XX/XX/2020, Mountian Run Solutions received a debt validation letter from me asking them to validate the debt and not simply to verify it. 
As of XXXX XXXX, I have not recieved anything from Mountain Run Solutions that validates this debt and they illegally put the collection on my XXXX  and XXXX  credit report without providing me validation of the alleged debt. 
The law states that if collection agencies fail to respond to validation requests within 30 days from receipt of the validation letter, all references to the account must be deleted and completely removed from my credit file. 
In XXXX of 2020, I disputed this alleged debt with both XXXX and XXXX  and both companies said Mountain Run Solutions said the debt was accurate, which is totally false. I am requesting that this alleged debt be removed from all of my credit files due to the illegal practices of failing to provide valididation of the debt within 30 days of receipt of validation request.

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 2017-09-12
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX, I disputed the credit card account with XXXX XXXX indicating the account was not mine. I informed them that I have no idea where the account originated from and needed for them to verify the account. I did not receive any information validating that the account was truly verified. I also contacted the creditor and the collections agency indicating that the account was not mine and to please verify the accounts. I have not received any documentation from the creditor and the collections agency. On XXXX XXXX, XXXX, I reviewed my credit reports and the original creditor, XXXX XXXX and the collections agency, LVNV Funding, LLC, are both attempting to collect on the same debt. This is a credit card debt that is showing twice on my credit that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Problem getting your free annual credit report

Complaint:
On XXXX I tried to access my free credit report from Trans-Union. I filled out the form and answered the questions they posed to verify my identity. They said they could not verify it - XXXX of my answers must have been deemed incorrect by them. I was kicked out not knowing what went wrong - only that I could not be verified. The information on the site was very confusing and when I thought I had clicked on the button to continue to fix my response it completely kicked me out saying that I had to wait a year before I could ask for a report. What can I do?????

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 2017-09-12
Company: Seterus, 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 status incorrect

Complaint:
I have been with Seterus, Inc. for my mortgage for about XXXX years. I have been trying to refinance my home and Seterus has not updated my credit history in over a year. I have called Seterus once a month since XXXX XXXX to update my report and every time I call they tell me it will take a month to reflect on my credit report. As of XXXX XXXX, it still has n't been updated and I can not refinance my mortgage or my vehicle.

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 2022-06-15
Company: Phoenix Financial Services LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since XXXX I have made countless request to have this debt validated. I have asked for itemized bills, I have made official disputes and I never get any response on the validity of this debt nor can they prove that it is my debt. I do not have any knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove these accounts from my credit 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