BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This is the first time I am hearing about a debt that I owed for Speedy Cash. 
I emailed them disputing this transaction and requested proof of debt.

Listed below is what was included in first email : SPEEDY CASH SERVICE Attention, Lawsuit Court Case # XXXX LAWSUIT COST- {$1800.00} ( INCLUDING ATTORNEY FEE/ACCOUNT VALUE/LATE PAYMENT COSTS/INTEREST COSTS/COURT FEES ) Attorney : XXXX Rector XXXX XXXX, CA, XXXX. 

SETTLEMENT AMOUNT - {$880.00} For settlement reply on : - XXXX SUBJECT : LOAN Settlement AMOUNT- {$880.00} One Time Settlement Amount : - XXXX Received another email from XXXX XXXX XXXX Senior Investigator aXXXX XXXX XXXX XXXX stating the following : Hello XXXX Case No : XXXX After receiving this email we will issue a legal warrant on your name within next couple of hours so before you do anything read this email very carefully and respond back early as possible. 

You are hereby notified that a lawsuit has been filed against you for three serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings. 

The charges with Speedy Cash pressed on you are : XXXX ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: World Omni Financial Corp.
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 checked my personal XXXX credit report on XXXXNoticed that this unauthorized inquiry had been made : -South east Toyota Fin. XXXX XX/XX/XXXX -South east Toyota XXXXXXXX. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSouth east Toyota Fin. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX I contacted ( South east Toyota Fin, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was contacted via email by someone claiming they had a guitar I was wanting to purchase. The alleged seller asked me to send the shipping fees via PayPal " friends & family ''. I felt/thought PayPal covered my transaction as their website claims they will, as well as a statement during the transaction shows that I would be able to submit a dispute if a problem arose ( which it did ... fraud, seller never shipped and stoped replying to my email messages ), therefore I filed a dispute with PayPal within days of sending the money. PayPal has denied my claim and closed the disputed amount without reviewing ANY of the evidence I have in emails from the seller etc. PayPal should uphold their claim as it was misleading to present I may be covered in the event that I was paying for an item that never arrived or was not as described. PayPal has denied my claim. I will be contacting my credit card company for further review. Also had to file a police report on a XXXX website as the alleged seller resided somewhere in the XXXX. Transaction number for PayPal : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My credit card was applied twice for a credit card I never applied for. 

AMEX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email AMEX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a follow-up issue to case : XXXX They didn't fix the previous issue but I found a workaround by sending auto payments through my bank. 

They are now claiming that my late fee has been refunded when it clearly hasn't. 

See attached for current state of my account. 

Email is a preferred means of contact. But ideally I can just have the late fee waved with no need for further contact and waisted time.

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 monetary relief
Consumer complaint received 2017-07-24
Company: Experian Information Solutions 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:
I sent several letters to credit reporting agencies and creditors requesting to remove inquiries that I did not authorize.

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 2017-07-24
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by a company that I previously worked for that the county sheriffs requested them to attach my wages. When I contacted the lawyer, I was told that it was a bebt from 2008, and that XXXX had a court order against me. I have no clue about what they are talking about! And why after 8 years are they are they bothering me. WHY HAVE NOT I HEARD ANYTHING FOR 8 YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX-I reached out to XXXX XXXX to verify the inaccuracy of bankruptcies listed on my consumer report and I have not received any documentation to date from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, FIRST XXXX BANK # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2019-08-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They constantly call and when I answer the phone theyll hang up. Im sick of the harassment and if they call me Id like for them to actually say something instead of calling up to 5 times a day. I have blocked the numbers they call on then theyll use a new number. 

The company is XXXX. I *think* the debt is with Wells Fargo who opened accounts for me without my permission resulting in hundreds of dollars worth of fees Im never going to pay.

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 2020-01-06
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX was deleted from my report inXX/XX/XXXX, from XXXX, XXXX and XXXX after disputing unverified and inaccurate information that did not belong to me nor on my credit report. At that given time, XXXX XXXX which is the original creditor, has XXXX XXXX XXXX ( XXXX ) has the collection agency. Now, In XX/XX/XXXX, the SAME bill, is not under Diversified Consultants. This information and tactic is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019 I scheduled two payments with my mortgage company, Mr. Cooper. {$620.00} was to be processed that day. The next payment was for {$1200.00} to be withdrawn on XX/XX/2019. 

The representative read back and confirmed the payments with me however she processed all of the payments that day. This caused my checking account to become overdrawn by a very large amount and my bank refused to place a stop payment on the transaction. 

I contacted Mr. Cooper who admitted that that they were at fault by withdrawing the money early but refused to offer any additional assistance in rectifying the situation. 

They have told me that the money was returned but it has not been. I am now facing foreclosure anf have tried to send additional payments but they have all been returned by Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Debt Co LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX 2022 email from debt collection informed they were trying to collect funds owed to XXXX  is a certified agent of the veterans XXXX and cant attempt to collect from veterans who have received awards for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: VERITAS FUNDING, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint last year regarding TRID tolerance violations committed by Veritas Funding , LLC ( " Veritas '' ) complaint ID XXXX. This is not a duplicate of that complaint, rather it is a complaint regarding further violations as Veritas  pretends to be servicing a mortgage that has been rescinded. 

Veritas originated a rate and term refinance conventional mortgage on my primary residence in XXXX of XXXX. They sold my loan to XXXX, who sold it to XXXX. Eventually, Veritas had to buy the loan back from these entities after I brought to light they had completed terms in a blank contract sent to them with my closing package, without my knowledge, and used that contract to sell the mortgage FOR PROFIT. 
Due to TRID tolerance violations left outstanding, and Veritas ' unwillingness to acknowledge and cure those violations, I had no choice but to rescind the mortgage in XX/XX/XXXX. 

Veritas refused to acknowledge the rescission and rather than unwinding the transaction, they hired an attorney. I filed the aforementioned CFPB complaint not long after, in XX/XX/XXXX. 

Veritas answered the complaint by admitting TILA and UDAAP violations, lying about a cash out refinance, and offered me a tolerance cure - POST RESCISSION ( another violation ) along with another incorrect Closing Disclosure ; they misrepresented {$400.00} I paid outside of closing. 
I have not cashed the tolerance cure check ( s ), extended by Veritas. 

THE CFBP DID NOTHING REGARDING THESE GROSS VIOLATIONS! 

Veritas has continued to send me notices since then, on a monthly basis, as though they are servicing the loan. This past week, I received a letter from a debt collecting law firm, telling me I was in default on my mortgage and could be facing acceleration of the mortgage and potential foreclosure if I did not pay them over {$33000.00}. 

The failure of Veritas Funding , LLC to follow Federal Lending Statutes, to continue to act in the capacity of a servicer after being given notice of a lawful rescission, to attempt to collect on a debt that does not exist, and to consistently act in bad faith prompts me to file another complaint. 

I have not attached the monthly statements, as I have not yet scanned them. But, I can if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, Americollect INC. in XXXX, WI is the debt collection company saying that I owe them a debt. I only know that this company collects a debt, but dont know anything else about them. As I was checking my credit report it says Im in collections with this company. 

I sent them a letter requesting anything that attaches me to this company to verify that the debt belongs to me on XX/XX/2021. In addition, Ive asked for my HIPAA release with my signature and the documents from the hospital that authorized Americollect INC. to collect a debt from me that I dont recognize. They sent me multiple things that doesnt show my signature connecting the hospital, Americollect INC., and me and failed to send me my HIPAA release form to show the hospital actually gave them my PHI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021, {$21.00} was withdrawn from my bank account by Coinbase. I did not authorize the withdraw. I then received an email from Coinbase stating that {$21.00} was withdrawn from my bank account and was placed on my Coinbase account. The money was never placed on my Coinbase account. I filed a complaint with Coinbase and on XX/XX/2021 i received another email from Coinbase with a case number ( Case # XXXX ). I was asked to take certain steps to protect my account ( which I did ) and thereafter Coinbase completely blocked my account. I can not access it at all. I waited XX/XX/2021 to reach out, giving them 14 days. I was informed that it was sent to a specialist and they would respond soon. They have not attempted any contact since that time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-05
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got a Chase credit card back in XXXX. I have never missed a payment. I received a letter taking my available credit line from {$7500.00} to {$5500.00}. I recently cleared my balance paying {$5400.00} on XX/XX/XXXX In return, Chase lowered my credit line to {$500.00} as of XX/XX/XXXX. This will cause harm to me by lowering my credit score and will cause me to pay more interest on the things I buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt validation letter XX/XX/XXXX Name : XXXX Address : XXXX XXXX XXXXXXXX XXXX PA, XXXX Company name : Credit Collection service Company address : XXXXXXXX XXXX XXXXXXXX XXXX, MA XXXX RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection 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, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Individual action of the Fair Debt Collection Practices Act and Defamation of Character.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE 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 explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent out a certified letter to Experian requesting there method of verification involving a bankruptcy they are reporting on my credit report. They later reply back with a letter stating that they was reaching out to the source they verified the bankruptcy with and they will send me the information that i requested. This investigation has took more than 30days and I am furious. I have file multiple conplaints about this company involing the same matter that you can see Thur my pervious complaint history. On XX/XX/XXXX i sent Experian a letter requesting their methods of this same bankruptcy they replied back with a letter stating they verified the bankruptcy with the courts. That was falsify I sent them my letter from the courts stating they don't report bankruptcies to the credit bureaus .Under the FDCPA action 807 this is misleading false reporting I demand that this account be deleted immediately or i will file litigation due to the stress they have cause me. This company has pervious lied about information they are reporting on my credit report and can not produce the information i am requesting there for this account should be deleted immediately i have been more then patient for there response but its clear to see they don't have the information that i am requesting and they a prolonging this matter which is affecting my credit tremendously. Under the FDCPA act inaccurate unverified information must be deleted.

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 2021-02-05
Company: CORELOGIC 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: Account status incorrect

Complaint:
Core Logic Credco has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXX XXXX explaining and showing I was not late. XXXX XXXX has removed it 4 times however, they continue to report again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.

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 2022-01-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX, recently checked my credit report, and discovered I been a victim of identity theft. Per ftc, I was advised to fill out an ftc report and provide my identification. Please see attached documents.

Company response to consumer: Closed with explanation