BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom it may concern I have received information regarding a debt that is being claimed against me. Through my rights in accordance 15 U.S.C 1692g FDCPA violation. They failed to send me required and requested documents to validate this alleged debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX CT XXXX, NC XXXX ; XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX  XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I realized that the same accounts was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Rozlin Financial Group, Inc.
State: GA
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 Account # 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 an account without my written permission and 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 explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: SC
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 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 non-monetary relief
Consumer complaint received 2023-01-14
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: MI
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:
On XXXX XXXX 2022 I submitted complaint CFPB XXXX which outlined that a collections agent had ceased collection on an account effective XXXX XXXX 2022. I provided a copy of the statement given by the collections agent in CFPB complaint XXXX. The statement is clear in that is states the collections agent " has ceased all collection efforts. '' It is even highlighted in the response. Despite having this documentation, Experian insists that a dispute was received in XXXX and the collections agent verified the account is under collection with the collections agent and thus the item can not be removed from my credit file. It is likely Experian is using the automatic verification through eOSCAR, rather than conducting any sort of investigation. Even more ridiculous is that at least XXXX other CRA conducted an investiation and removed the collection item based both on the documentation I provided AND the response received from the collections agent. In addition to the response from the collections agent in XXXX. In prior complaints, such as XXXX I provided documentation indicating the collections agent is NOT licensed to collect in my state and is currently under investigation by the state licensing agency. To that documentation I also submitted the XXXX XXXX opinion on WHAT constitutes collection activity, ie activity that in my state would require licensure. That opinion was quite clear in that a collections agent that submits items to be included in a consumer 's credit file constitutes communication in collection of an alleged debt, Because reporting a debt to a credit reporting agency can be seen as a communication in connection with the collection of a debt, the reporting of such a debt in violation of the provisions of 1692e ( 8 ) can subject a debt collector to liability under the FDCPA. Sullivan v. Equifax Inc., Civil Action No. 01-4336, ( E.D. Pa. Apr. 19, 2002 ). My state requires that collections agents both register as foreign entities if they are not organized/incorporated within my state, and additionally requires them to be licensed by the state agency that regulates collections activity in my state ( see MCL 339.019 ( 1 ) ( b ) ). Again, the documentation I provided showed both the initiation of an investigation AND the state records indicating the collections agent is not licensed within my state to collect on alleged debt. Based on all the documentation provided, XXXX knows, or should know that the collection item in my credit file is invalid. As consequence XXXX is in violation of 15 U.S.C. 1681.

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX, I ordered an XXXX video game system from XXXX using the XXXX XXXX XXXX XXXX XXXX, which is a payment plan where you pay a monthly fee over 2 years to pay off the XXXX and get access to their subscription service ( it's like a phone plan ). I received the XXXX, but it stopped working within a few days. XXXX had no replacements available so I had to return it. I mailed the device back on XX/XX/XXXX, which was confirmed by XXXX. On XX/XX/XXXX, I received an e-mail asking from XXXX XXXX ( which administers the XXXX XXXX XXXX ) asking for payment. I called them and explained the account was cancelled, and sent them documentation vial e-mail on XX/XX/XXXX. On XX/XX/XXXX, I received a statement showing no balance was due. 

On XX/XX/XXXX, I received alerts from my credit card companies that my credit score had declined significantly. I checked online and saw that XXXX and Transunion said that I had a delinquent account from XXXX XXXX XXXX, reported in XX/XX/XXXX ; I checked the details, and it doesn't indicate any amount due and doesn't say missed payments or anything like that. I filed disputes with Transunion and XXXX, but I have not heard anything. I've been trying to call XXXX XXXX XXXX, but the people I've talked to don't know how to fix this. My credit score has gone down by XXXX points for literally no reason!

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 2023-06-13
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I consumer XXXX XXXX reviewed my credit report and I notice that Enhanced Recovery Company is violating my rights and defaming my character. I have sent in invoicing outlining the violations that they have violated. According to the laws the are outlining in 15 USC 1692 b ( d ) ( c ) ( e ) ( f ). I am not going to keep allowing my rights to be violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: DISCOVER BANK
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In a XXXX, I have a recurring bill payment that goes out monthly as follows : XXXX : XXXX XXXX XXXX : XXXX} This payment is for the purchase of property he sold me on a XXXX contract. Due to a problem with this payee XXXXXXXX XXXX ( XXXX or XX/XX/2022 ), where he claimed he did not receive payment and my bank stopped payment and re-issued the check, I watch for his check to clear my account monthly and verify it is endorsed. 

Today, I noticed the monthly check ( XXXX XXXXXXXX ) coming thru NOT endorsed. I requested my bank NOT pay it, rather return it as " Endorsement Missing '' because, without his signature ( or an endorsement guarantee stamp by his bank ), I can't prove he received payment. Upon noticing this today, I immediately contacted my bank via text message rather than phone as I have learned to " CYA. '' : - ) They were USELESS, full of excuses, pass the buck, etc ... at the end you'll notice, they wouldn't even provide me the requested address! Attached to this complaint are an image of the check in question, as well as a transcript of my conversation with my bank moments ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RightPath Servicing has fraudulently placed insurance on my property and has not allowed my mortgage payments to be applied accordingly. RightPath Servicing has misappropriated my mortgage payments. 
RightPath Servicing claimed, on XX/XX/2022, that my betterments and improvements insurance had expired. At no time did my insurance expire. Betterments and Improvements is a clause found within insurance policies and NOT a policy that can be purchased separately. RightPath Servicing sent a letter on XX/XX/2022, as a Second and Final Notice that I needed to purchase Hazard insurance or they would place a LPI policy on my property and charge me for the cost. I have sent RightPath Servicing proof of Hazard Insurance, on numerous occasions, to the email address they provided, listed after the language, If you prefer you may update your HAZARD coverage online at :. RightPath Servicing does not deny that Hazard Insurance is NOT H06 Insurance. RightPath Servicing admits they werent responsible for sending a letter dated XX/XX/2022 claiming the obtaining of a H06 Insurance policy on my behalf, a letter I never received. RightPath Servicing can not provide proof of it being sent. RightPath Servicing did not provide a copy of this letter until responding to my complaint on XX/XX/2022. I immediately purchased H06 insurance after seeing, for the first time, that I was being charged for this policy. I was first made aware of RightPath Servicing requiring a H06 Insurance policy, when it appeared on my XX/XX/2022 mortgage statement. There is no such insurance policy as a Betterments and Improvements policy, again, this is a clause and not something that can be purchased individually. The same with Hazard insurance, it is not a separate insurance policy. If RightPath Servicing would have stated, since XX/XX/2022, that a H06 Insurance policy was needed, I would have purchased it then and not in XX/XX/2022. RightPath Servicing insisting I purchase Hazard Insurance was deliberately deceptive, intended to cloud this issue until such a time they would place an H06 policy on my property, backdating it to XX/XX/2022 and assessing me for coverage from XXXX thru XX/XX/2022. I was not assessed for this coverage on my XXXX or XXXX mortgage statement, it was not until XXXX, did they assess me, increasing my mortgage payment by {$1000.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
This is in regards to Wells Fargo and the {$3.00} XXXX lawsuit. I am a current Wells Fargo customer and was XXXX during the dates given of 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 2023-02-03
Company: PLANET HOME LENDING, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Received foreclosure notice from foreclosure attorney XXXX. I spoke with customer service Planet Home Lending XXXX XXXX, requested assistance for my home to stop the foreclosure. I have called several times every week since I received the foreclosure letter. Spoke with XXXX XXXX XXXXXXXX Planet Home Lending I was told again by him and customer service I needed to speak with foreclosure attorney to get assistance. The attorney has told me since XXXX XXXX, XXXX he was sending my mortgage servicer and email to stop the sale and know he will not return my call. I have been given a different information every time I've called. I have been given bad information and the run around I have been in my home for over 10 years. I did not receive a letter stating the debt was being accelerated or a letter to validate the debt. I am requesting copy of deed and note. I want this information before my house forecloses. Tennesse law says I am supposed to receive this information when I request it. I have been affected by XXXX, my income has been reduced...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Duvera Billing Services, LLC
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:
In accordance with the fair credit Reporting act XXXX Account # 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Back in XXXX I called and tried lowering my APR of XXXX but they refused. I have been buying and paying my credit card with the same APR I have been a customer of Wells Fargo since XXXX and they have not considered lowering my charges. I feel like Im a valued customer to them! Ive paid so much interest charges thought out these 13 years!

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXXXXXX XXXX XXXX has reported a rental/leasing balance to both Transunion and XXXX they claim to have originated in XXXX. I have contacted both Transunion and XXXX multiple times to dispute this due to the fact that I did not have any such leasing activity in XXXX. Both Transunion and XXXX continued to report back that the debt was valid. I eventually contacted XXXX XXXXXXXX XXXX XXXX to demand back-up records for the balance. They responded and provided me with an invoice from XXXX of XXXX. They falsely represented to the reporting agencies that the debt originated in XXXX. I once again contacted both Transunion and XXXX in XX/XX/XXXX to dispute the charge and provided the invoice proving that the debt in fact originated in XXXX and is well past the statute of limitations to be included on my credit record. Each of them once again represented that the debt is valid and no action was 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: Global Asset Agency, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor of this debt was XXXX XXXX XXXX. The company was purchased by XXXX and the debt was payed in full. I have spoken to the original creditor ( XXXX ) to confirm. This debt is entirely fraudulent. It needs to be removed immediately or I am pressing fraud charges and filing a lawsuit. I also request that the appropriate federal authorities be notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
Signed up for new bank account. Bank attached debit card to wrong account resulting in the following fees. 

XX/XX/XXXX {$45.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$75.00} XX/XX/XXXX {$60.00} XX/XX/XXXX {$15.00}

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 2023-06-13
Company: Experian Information Solutions Inc.
State: NM
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted disputes to Experian, and they have refused to investigate for over XXXX months. 

Reasons given for past refusals to investigate are ( 1 ) false claim of not submitting my own disputes ; ( 2 ) false claim that I haven't submitted identifying documentation ; and now ( 3 ) claim that I have to explain to them what the reason for my dispute is ( see attached email ). 

I have the right, under the FCRA, to dispute items on my credit report and the credit reporting bureau must validate the disputed item for accuracy. 

Experian has failed to do so, and in fact, has made several false claims regarding submitted disputes. 

I ask the CFPB to either direct Experian to legitimately investigate my disputes or delete all disputed entries on my credit report. 

Thank you.

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 2023-01-15
Company: EQUIFAX, INC.
State: AZ
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:
A XXXX XXXX XXXX XXXX account was opened under my name ( XX/XX/XXXX ). This is fraudulent. I called XXXX XXXX to mark this account as XXXX, they proceeded to close the account the same day I called ( XX/XX/XXXX ). I also created a dispute report on Equifax, XXXX, and XXXX ( XX/XX/XXXX ). I had success with XXXX, as they were able to remove the XXXX XXXX Account off of my report, but no success with Equifax and XXXX. 

Equifax stated " the information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - **** The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU ''. 

XXXX stated the account " has been verified as accurate ''. 

This is false. XXXX XXXX has deemed this account as fraud. Equifax and XXXX has been insufficient in their research. They need to contact XXXX XXXX.

Company response to consumer: Closed with explanation