BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: Netspend Corporation
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
This is in regards to a missing direct deposit from my employer that was sent on XX/XX/XXXX in the amount of {$4700.00}. 
This direct deposit was never credited to my account. Furthermore, it was not rejected and returned to my employer. 
I have used the same routing number and account number since I opened the card in XXXX of XXXX. This can be verified by looking at my past direct deposits that I have received every two weeks from the same employer with no issues. 
After speaking with multiple representatives it has been determined that the routing number I have always used belongs to XXXX XXXX XXXX  When my account was first opened the prepaid card from netspend was issued through XXXX, which then became XXXX XXXX. At some point XXXX took over and they changed the routing number and modified the account number without my knowledge. 
My paychecks still came on time every two weeks with out delay with the old information. Again this can be confirmed by looking at my previous deposits. 
Unfortunately on Thursday XX/XX/XXXX my direct deposit never arrived. I have been told by my payroll department that it was sent and received without rejection. They have provided me with the trace number for this transaction, which is XXXX, however Netspend still claims they never received it. They also refuse to allow me to speak to a supervisor, always saying none are available. I need my paycheck either credited to my account or sent back to my employer. At this point theyve basically stolen {$4700.00}.

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 explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX Account XXXX : XXXX The notation of the late payments is inaccurate. 

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 also states consumer reporting agency can not furnish an account with my written concern.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 
I will assume that I have not received your reply because you have been unable to verify this information. Please update these late payment for XX/XX/2022 and XX/XX/2022 to PAANL ( Paid as agreed, never late ) at once.

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 2023-11-02
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management is tring to collect a debt all ready XXXX and paid in full to the bearer under XXXX XXXX XXXX UCC XXXX XXXX XXXX, and are XXXX XXXX XXXX XXXX ( XXXX ) - 15 USC 1692g ( a ) - 15 USC 1692c ( C ) - 15 USC 1692b ( 2 ) . violation of 15 USC 1692f ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) - ( a ) ( B ) ( C ) - ( 7 ) ( 8 ). 15 USC cease communication. FDCPA 1692f ( 6 ). 15 USC 1681I ( s ) Violation of Title 31 section 3123, Title 31 section 3130, Title 31 section 3124 Exemption from Taxation. where for all accounts are prepaid under Title 18 section 8. midland Credit Management is trying to extort me of a debt that was paid with cash and XXXX and is paid in full. This is a XXXX, CFPB, FRCA, and FDCPA violations and many not mention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. Please update or correct this immediately. 
XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} US DEPT ED XXXX : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} US DEPT ED XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9900.00} US DEPT ED XXXX : {$5400.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} US DEPT ED XXXX : {$4700.00} XXXX XXXX XXXX XXXX : {$7100.00} US DEPT ED XXXX : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXXXXXX*Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-11-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a formal complaint against MIDLAND CREDIT MANAGEM regarding a collections account ( Account Number XXXX ) that appears on my credit report. I believe that the handling of this account by XXXX XXXX violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 USC 1692g ), which mandates the validation of debt upon a consumer 's request. 

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under the FDCPA are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter to 3 credit Bureaus to remove this Charge-off Accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit Bureaus are required to remove any accounts not later than 4 business days after the date of receipt. Please remove these accounts in my file immediately : XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-11-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
This was part of an XX/XX/XXXX " Zombie '' loan I took out over 12 years ago. I completed a Loan Modification and was not aware this loan was never paid off. The XXXX XXXX  HELOC loan sat dormant and never appeared on my credit for me to know I still owed it and had to pay. 
Last XXXX I was told that my home was going to be foreclosed upon. I've since been trying to negotiate with the lender ( SLS ) to remove or reduce the original principle of {$94000.00} but they now are threatening to sell my home if I don't pay {$150000.00} by XX/XX/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 2023-02-01
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:
On XX/XX/, someone stole my ss # and personal information and opened at least 10 credit cards in my name. I did not give my information to anyone, nor did I open the credit cards. I desperately need your assistance clearing my name and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Venmo frozen my account on XX/XX/XXXX, I called them and they told me they would respond after 24 hours. I did not receive a response until XX/XX/XXXX. At which point they told me the were closing my account and holding my funds for 180 days. I did nothing wrong and they are stealing my money. I desperately need that money to pay my bills. I am a single mom who now fees eviction due to this. 

At this point I will be submitting all of this to the news and blowing this up to a massive story if they do not allow me to at least withdrawl my funds immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX I made a mortgage payment via the payment portal on the XXXX website. 
The payment was due XX/XX/2023. 
The payment should have broken down as follows : Principal & interest : XXXX Escrow : XXXX Additional principal : XXXX This is a simple payment made via the bank 's website payment portal. I didn't request anything out of the ordinary. 

The follow day the bak applied the entire payment to principal. 

This is the 5th time this has happened. 

I'm not sure why this bank insists on not applying payments properly, but it appears they are attempting to make me late on payments and default on the loan. I'm not sure what other conclusion can be drawn after continuing to make payments in a timely manner and continuing to have them misapplied. This is intentional. It is intentional fraud. It is intentional theft, and I will not STOP until Fifth Third bank is out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced a loan with Mr. Cooper/Nationstar in XXXX of XXXX. The original mortgage was also with Mr.Cooper/Nationstar and had been opened in XXXX. The refinance process went smoothly and I had n't had any issues until recently when it was discovered that I still have two outstanding liens on my home ( 1 for the original loan in XXXX and 1 for the refinance in XXXX ). The paperwork for the lien release was either never submitted or never recorded. 
I am currently working on a HELOC with another bank and they found the 2 liens on the property and can not approve the HELOC until the first lien is released. I have called Mr. Cooper at least 5 times now and have been told conflicting information with each phone call. Here are some of the things that I have been told : -We do n't show the original lien still on the home so the customer needs to research this on their own with the county recorder -Mr. Cooper emailed me a copy of  the lien release and told me that I could take this down to the county recorder and submit it for release ( did not mention that there is a fee for this which I should not be paying for. I also wasted time going down there because the county will not take a copy of the document ). 
-Told multiple times that the issue had been escalated to the lien release team within Mr. Cooper and nothing has happened -Told that I would get an official document in the mail multiple times and never received anything -Told on XXXX/XXXX/XXXX that it is the customer 's responsibility to submit the lien release when the refinance goes through ( that the mortgage company never does this ). However, I looked back through emails and found an email from Mr. Cooper in XXXX saying that the lien release was in process and they would submit to the county.
-Spoke with the county recorder and they said that the mortgage company could send an 'electronic ' version and it would be recorded the same day. However, then spoke with Mr. Cooper and their representative told me that Mr. Cooper does not do electronic versions and they sent a copy in the mail to the recorder 's office on XXXX/XXXX/XXXX and it could take another 5-7 days to get recorded. 

Overall, I am angry with all of the conflicting information that I have received from Mr. Cooper and its overall lack of assistance to get this item fixed. During the refinance process this should have been handled by the company, however, they have since told me that ( 1 ) it was my responsibility to submit the lien release ( lie ) and ( 2 ) that I should take the documents down there and submit them ( requires me to pay an additional fee ). This should really be a quick fix but has delayed my HELOC for at least a month now and maybe even longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I have already field an FTC report. 

The inquiries are : XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX and XXXX & XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  and XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX and XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion

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 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Bank of America is refusing to give me the credit back for purchase that I did not make, someone charged to my credit card {$6300.00} twice in XXXX on XX/XX/2023

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 2023-04-03
Company: EQUIFAX, INC.
State: MO
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:
To Whom It May Concern, I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the inquiries listed. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissionss Identity Theft Affidavit. Please delete the items as soon as possible. 


EQUIFAX FRAUDULENT ADDRESSES TO BE DELETED FROM REPORT XXXX XXXX XXXX XXXXXXXX XXXXXXXX, MO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX EQUIFAX FRAUDULENT ACCOUNTS TO BE DELETED FROM REPORT XXXX XXXX  XXXX OPENED XXXX {$1100.00} EQUIFAX FRAUDULENT COLLECTIONS TO BE DELETED FROM REPORT XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX  {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: C.Tech Collections, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I am on the NJ State Medicare QMB program where I do not have cost sharing of coinsurance, and deductibles. or co-payments from all/any healthcare providers. When I see a health care provider I give them my NJ state Medicare QMB letter which states the above and is a volitation with sanctions under four sections of the social security act to bill me or put me in collections under this Federal Medicare billing agreement. I also submit to them my Medicare card and XXXX XXXX XXXX  card. 
I am being harassed by collection bills, and have been put into collections. and have also filed a complaint with Medicare.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent in letters to get addresses I do Not live at anymore updated experian and they would not update my personal info. that is not attached to any debt per the FCRA all information is to be 100 % accurate and i provided necessary documentation on my current address at this point this is improper use of 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
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ; this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 states the consumer performance agency can not furnish an account without my written instructions. Under 15 USC 1666 B ; a creditor can not treat a payment on a credit card account under a open and consumer plan as late for any purpose.

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