BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-20
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
As I explained before ... .your " investigation '' is totally irrelevant to the law. The consumer is NOT REQUIRED to prove they were robbed because that is impossible ( the burden is on the BANK ). Every response provided here will be used in court. Regardless of whether the police report aided your investigation or not is NOT my problem. I was robbed and the main reason anyone keeps money in a bank is for the bank to provide protection against theft. You are required BY LAW to refund the money or take me to court for fraud ( I welcome that ). Every response you provide will only be further evidence the institution is intentionally avoiding federal consumer law. You are wasting my time. Have your legal department call me or my attorney or we will file in court and request maximum damages plus attorney fees and hand this judgment over to an experienced trial attorney who will file a class action and subpoena all the records of claims vs denials. The law is written specifically so the bank can not deny claims by attempting to place negligence on the customer. Not only is this theft by the institution, but an attempt to avoid your own failure of lax security measures. This will come out in court if you choose this route.

Company response to consumer: Closed
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: OH
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CARD 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 have 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had already made a dispute with Phoenix Recovery Group and XXXX XXXX I provided proof that The city of XXXX XXXX had paid our rent in the amount of XXXX and it was removed from my credit. But now they have changed the amount to XXXX and it's on my credit report as of XXXX XXXXXXXX XXXX. I believe this is a fraud account and I would like for it to be removed from my credit report for good. I don't owe this company any money at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: LA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Paypal Holdings, Inc
State: CT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
When I attempted to change the email address on my PayPal acct, the company apparently opened a separate PayPal Credit acct with my information and automatically applied my next charge to the new acct -- so instead of my initial charge being paid off with the credit card on file, they charged me interest and late fees. When I contacted them to complain, they offered to close the acct if I made a payment of half what they claim I owed. I did this, and then several days later I received a new statement showing my payment and adding another late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Pinnacle Credit Services, LLC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Pinnacle told me to not fight this anymore cause they day account is mine I have asked them to send assigned contract to prove its mine same response every time they have over XXXX compliant online needs to have something done about it they threatened me when I called

Company response to consumer: Closed
Consumer complaint received 2016-08-09
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Flagstar mortgage is not helping me with underwater mortgage. Provided a lot of documentation and have excellent credit and they keep delaying settlement on loan.

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 2022-10-28
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm submitting this complaint in reference to ENHANCED RECOVERY COLLECTION knowingly reporting inaccurate data. My credit is affected by these penalties this look SUSPICIOUS AND DECEPTIVE, I demand " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Thaxton Investment Corporation
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Continued daily calls and messages all day to me and my family contacts and work contacts. 

I told the lady to stop calling. I will pay what I owe on XXXX2021 the full amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: AZ
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 regarding 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 explanation
Consumer complaint received 2016-03-09
Company: Schachter Portnoy, L.L.C.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Case number : XXXX This is a follow-up to the previous complaint against XXXX XXXX XXXX and Schachter and Portnoy ( the collection attorneys ). I was in touch with my son, XXXX, the original signer of this loan and the one who was paying this loan through XXXX for many years. He called XXXX XXXX XXXX of the Firm of Schachter and Portnoy and left a voice mail and never received a call back. He attempted on several occasions to reach out to XXXX XXXX but to no avail. This is his loan and he is willing to pay it back, but the creditor needs to be in touch with him, not me. I have provided everyone with his phone number and address and he called and left his phone number for XXXX XXXX to reach out to him and he received no return call. It would be appreciated if this matter would be resolved immediately. 
Very truly yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Carrington MS took over my loan from XXXX bank. I had some financial issues with business and got behind in my mortgage. When I tried to make house payment they refused to take it, said I had to have XXXX payments. Next week I had XXXX payments and they refused them and said I had to have XXXX payments. This went on and on until I got help from XXXX, got caught up and this whole time I was trying to get a modification using HARP program. While this is going on my health was getting worse from the stresses they caused. I have XXXX and stress is very bad for my illness. After trying to get XXXX modification done with them, they turned me down XXXX. Started a XXXX with a agency here in Michigan, by now my health is getting real bad, I had to file for XXXX. 

I was forced to quit working because I was unable to keep up with the demands of XXXX that I owned. Sold it and paid off a couple bills. Found a local job and was fired because I was sick. Then next week social security approved me for XXXX. I have had XXXX for thirty years and always had been able to work as long as I got rest and kept my stress level down. 

When Carrington MS would n't give me a HARP modification so I could keep my house so I would n't lose all of my investment was devastating to me. Today was suppose to be a sheriff sale and they pulled it from the docket. So they are still causing XXXX situation to me. I offered them XXXX in XXXX 2015 and today it was being offered for XXXX. When my attorney made the offer they never even responded to him. That 's when I had to file bankruptcy. 

When I was trying to get the modification done they told me to call USDA rural development, Carrington claimed it was USDA was turning it down, USDA said they only guarantee the loan through XXXX bank and for me to call them. I called XXXX bank. They said they did n't have anything to do with the loan, I had to call Carrington. Called Carrington again and was told they did n't know anything and did n't even know who I should talk to but would get back to me when they figured it out. Never did call me back. I am still on the title of the property. No one seems to know who owns my house now. My real estate agent ca n't get any answers either. The fair market value is under {$30000.00}, I bought it just before the bubble in real estate collapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Aargon Agency, Inc.
State: FL
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:
TODAYS DATE : XX/XX/XXXX AARGON AGNCY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON AGNCY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-02-23
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
On XX/XX/XXXX Allied Collection Services located in XXXX NV, added four accounts to my credit report. I called and reported to them that the accounts are not mines and I 'm a victim of identity theft since XX/XX/XXXX. I had to file bankruptcy just to clear my name. I 've emailed my bankruptcy paperwork to them so this matter can be cleared and nothing has happen.

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 2016-09-23
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received collection letter with {$99.00}, after my final balance letter from my old apartment complex XXXX XXXX, XXXX, FL, was mailed to me indicating that I have XXXX balance. I mailed a dispute letter and included a proof about my final statement saying my balance is XXXX. still they are trying to collect this amount without providing any evidence why I am being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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:
FROM CFPB WEBSITE : You can shop around for a mortgage and it will not hurt your credit Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other creditors realize that you are only going to buy XXXX home. You can shop around and get multiple preapprovals and official Loan Estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit check is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45-day window is over, shopping around is usually still worth it. The impact of an additional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. Note : the 45-day rule applies only to credit checks from mortgage lenders or brokers ' credit card and other inquiries are processed separately. 

Experian, XXXX, and XXXX are not honoring the 45 day rule. I shopped around the week of XX/XX/XXXX - XX/XX/2022 with XXXX different banks. I now have XXXX different inquires and the credit bureaus will not remove the other XXXX, and the worst part about it it lowered my credit rating over XXXX points! 

Please help.

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 2016-02-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My name is XXXX XXXX, and I am experiencing a horrible billing problem for services that were provided to me on XXXX XXXX of this year in XXXX XXXX XXXX facility. First, let me assure that I understand that XXXX XXXX 's outsource the XXXX services and that the billing issue is not directly with the Hospital. 

I walked to the XXXX that day, with pain on my neck after being in a car accident the day before. I fill out my intake sheet completely, providing my address and SSN. A nurse took my vitals, I was checked by a doctor ( I assume ) for less than 5 minutes, and I was given a shot for the pain, being release about 30-40 minutes after my arrival. ( No XXXX, XXXX or any kind of test was performed to me ) On Friday, XXXX XXXX, a little over a month after my XXXX visit, I received a letter from a COLLECTION COMPANY. I called this company and they advised me that if I did not pay immediately {$810.00} dollars they were going to ruin my credit. I was and I am very upset. I did not have the chance to see what I am being charged for. What if there is a mistake? What if they charging me more or for services that were not provided to me? I understand that XXXX services are expensive, but {$810.00} just for the 5 minutes the Dr. saw me seems a lot. I was denied my right to see my bill and my good name is being besmirch unnecessarily. 

I try to contact XXXX XXXX XXXX billing department in XXXX. I have an unpleasant experience talking to a lady that threaten me to make my life a living XXXX If I continued to talk about my situation. The Fair Debt Collection Practices Act, has been violated, and I am really concern how this is going to affect my credit. The person I spoke to from XXXX billing in XXXX told me that all this happen because XXXX XXXX 's did not provide my information. 

Why XXXX XXXX 's did not supply my information? What happen with that paperwork that I filled out? Is there a chance that a person have access to my name, address, SSN, and other personal information? I am so scared, Identity theft is a really looming problem to me right now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: URS Holding, LLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
united recovery systems XXXX # XXXX this company has failed to provide me with competent information that I own this debt they have failed to provide the following information to me. 

1. provide me copies of papers that show I agreed to pay what they say I owe. 
2. prove the statute of limitations has not expired for this account 3. show me that they are licensed to collect in my state 4. provide me with there license numbers and Registered agent My request for validation was sent via USPS certified mail dated XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: Financial Asset Management, Inc.
State: MA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
On XXXX/XXXX/15, I received information from a credit monitoring service noting that on XXXX/XXXX/15 and XXXX/XXXX/15, Check City XXXX, in XXXX Utah had opened XXXX accounts under my name and personal information. XXXX loan is for {$700.00} of which I did not authorize as someone fraudulently obtained my personal information including SS # to open an account. On XXXX/XXXX/15, I sent a fax to Check City XXXX asking them to investigate this issue and advise how me may resolve this matter since my information was fraudulently obtained. Included in my fax was copy of my MA Driver 's license to prove my identity. I did not hear back from Check City XXXX and on XXXX/XXXX/15, I called this establishment and had to leave a voice-mail message outlining this issue since no one answered the phone. To date, I have not heard back from Check City XXXX either by verbal or written communication. Clearly, my identity has been compromised and accounts established using my name and SS #.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Today, a Bank of America representative in online and mobile banking ( XXXX ) stated that I could not transfer my own investment accounts from BofA Merrill to XXXX XXXX, because Im not working there anymore and I was the XXXX XXXX. Its a brokerage account. I can not buy or sell stocks or even see my account, during earnings season when many companies have just reported. 
My accounts are being handled by the " branch office '', I was told, so they have to transfer the accounts. 
The BofA representative refused to give me the name of the contact ( XXXX ) in the branch who was controlling my account and stated that she would let the branch ( at XXXX XXXX XXXX, in XXXX XXXX XXXX, run by XXXX XXXX XXXX ) know that I had called. The contact would not give me any information about my investment account. 
I asked if the person in the branch handling my account was XXXX XXXX was told yes. 

Therefore, additional contacts at BofA who are involved in the prevention of account transfers include : XXXX, XXXX XXXX XXXX XXXX  NY XXXX XXXX, XXXX XXXX XXXX XXXX  NY XXXX 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