BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
When researching the collection agency, Rent Recovery Solutions, who put incorrect information on my credit report, I discovered that this company is not authorized to do business in the state of Texas. I live in Texas and was under the impression that a collection company has to have a valid license to do business in this state. Please contact Rent Recovery Solutions and instruct them remove this debt from my credit reports. 

RE : RENT RECOVERY SOLUTIONS LLC - XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Thank you. 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-10-23
Company: ZWICKER & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Good morning, I have loan with XXXX XXXX Bank about XXXX towards credit card. I did make several payments, during COVID. Due to covid hardship XXXX XXXX turned my case to Lawyer ZWICKER & Associates, P.C. Lawyer filed my case into District court. While court is handling case lawyer Zwicker & Associate kept bullying, lies and has been harassing me which affects my job and health. I have been having XXXX XXXX and high XXXX. Due to covid hard ship, being as a XXXX mother this is placed additional stress on me. I tried to make financial arrangements with XXXX XXXX, but they refused. I made payments towards my loan prior ; they did not even count those/ mentioned. Lawyer have been harassing me since XX/XX/2022. I am willing to provide all document which I received from Lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX I opened an account with HSBC. After they told me that everything was OK, I transfer all my savings. 

After 2 months they closed my account without telling me anything. 

I called them to have an answer. They told me that they closed the account because I did not reply an email of XXXX asking for personal information. 

THE THING IS I DID reply that email. Even I sent to the bank all the emails and it replied telling me that they received the information. 

THEY CLOSED MY ACCOUNT BECAUSE I DID NOT REPLY AN EMAIL ASKING FOR INFORMATION. BUT THAT IT IS NOT TRUE. I REPLIED THE EMAIL AND SOMEONE DID NOT ENTER THE INFORMATION INTO DE SYSTEM. 

SOMEONE MADE A MISTAKE. EVEN THEY TOLD ME THAT BY PHONE. 

I had XXXX USD. They closed my account and sent me the money by check to XXXX. Local regulations do not accept checks. 

The Bank lies. It says I never replied but I did reply and they replied me back that everything was ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: AMERICAN EXPRESS COMPANY
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:
CFPB + American Express, On a recent review of my credit report I see there were hard credit inquiries on XX/XX/XXXX and XXXX- I believe the hard credit inquiry on XX/XX/XXXX needs to be removed as that was an extra pull. 

Enclosed with this is : - my drivers license - my social security card - my address- my written complaint- XXXX and XXXX credit report where these show

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I previously filed a complaint about this law firm due to their lack of proof. No written contract production, no proof of ownership, alleged debt XXXX  XXXX. They agreed to drop things. They then proceeded to sue me in my local court for the same matter. I live in XXXX  XXXX XXXX is based in Virginia. I still have zero proof of ownership of said debt. According to the information that the XXXX XXXX  XXXX submitted they are the owners. So how can they be the owners and also suing for the company that they purchased the debt from. I further state that the alleged debt has been re aged which is a clear violation. When was the fist delinquency? When was the last payment? 
The previous case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My car was wrecked and it took them almost XXXX years to report it closed and off my account

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 2022-10-23
Company: Ragan & Ragan, PC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I previously filed a complaint about this law firm due to their lack of proof. No written contract production, no proof of ownership, alleged debt past XXXX. They agreed to drop things. They then proceeded to sue me in my local court for the same matter. I live in XXXX  XXXX XXXX is based in Virginia. I still have zero proof of ownership of said debt. According to the information that the Ragan & Ragan submitted they are the owners. So how can they be the owners and also suing for the company that they purchased the debt from. I further state that the alleged debt has been re aged which is a clear violation. When was the fist delinquency? When was the last payment? 
The previous case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX XXXX  is reporting I owe XXXX per their portal I owe XXXX. Please see attachment of what's being reported And what's actually owed.

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 2022-10-23
Company: Experian Information Solutions Inc.
State: DC
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:
The only I have given Experian 30 days to fix all incorrect information on my credit report and it has not been done! I sent certified mail XX/XX/2022. Experian received and signed XX/XX/2022. It has been past 30 days. It is now XXXX XXXX. I submitted the information via certified mail XXXX tracking number XXXX. 

I am now requesting monetary relief and for all the items I have disputed to be removed immediately.

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 2022-10-23
Company: SinglePoint GI
State: UT
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:
Refer to complaint # XXXX Which you closed saying you already processed this and yes same problem different collection agency and XXXX. 
XXXX is reporting 2 collection accounts that were removed when another agency reported it now a new agency is reporting the same information they are trying to collect a discharged student loan and Pell grant and not actually investigating my problem Now you closed my complaint without action who do I ask for help now if you ignore the problem. 
Please re-open the last 2 complaint # XXXX # XXXX I am filing the complaint for myself and need your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: CURO Intermediate Holdings
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:
Late payments are not correct and needs to be removed.

Collection account is not correct and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: QUALITY ACCEPTANCE LLC
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:
Late payments are not correct and needs to be removed. 


Collection account is not correct and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I leased a car from XXXX and it ended up being a horrible problem. It started having problem after problem which made me have to fall behind in payments due to having to fix the repairs. It was repossessed in XX/XX/2022 and I have tried to see what the next step was, they sent a letter saying the money made from auction will go towards the balance remaining owed. Then after that I will be responsible for remaining balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: SN SERVICING CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : I have been trying to get a help from my mortgage company but they have been unresponsive. I now have a foreclosure sale date and about to lose my home because my lender is not responding. I reached out to a counselor to get help because I have not been successful with my lender. XXXX XXXX reached out to her today and submitted the loan modification paperwork. I hope that this complaint will get there attention in getting assistance.

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 2022-10-23
Company: Affirm Holdings, Inc
State: IN
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 received a notice from XXXX saying my credit went down. Checked and it said I took out a loan from affirm inc. for XXXX and was late paying. I never heard of affirm, I have no account with them and have never taking a loan with them. I contacted affirm and they said they couldn't find any account I had with them, contact XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: DISCOVER BANK
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My name is XXXX XXXX I am writing this about my Discover card # XXXX my address is XXXX XXXX XXXX. XXXX, XXXX. XXXX. My phone number is ( XXXX ) XXXX. 
On XX/XX/XXXX and on XX/XX/XXXX I had to take my husbands to the DR. and they made us pay up front for the charges, The first charge was in the amount of {$330.00} and the second charge was {$560.00}. Our insurance company paid these charges, and the XXXX XXXX wouldn't credit them back. So, I filed a dispute and sent a copy of the insurance payments over to discover as proof of the double payment. In the meantime, I had a fraud to my account from XXXX XXXX, so discover changed my account #. That dispute was done correctly. I never received a credit for the dispute of the XXXX bills and on XX/XX/XXXX I was charged again for the XXXX XXXX bills. I have called about 13- or 14-time spending over an hour each time on the phone with discover to get one of the credits applied to my account on XX/XX/XXXX. then on XX/XX/XXXX I received a partial credit for the other charge. I received a credit of {$820.00}, this credit I am unable to send a copy of because I closed the account and can't access it. When you add the two charged together, they total {$890.00}. They still owe me {$70.00} for the bills and I should also receive the interest that I have been paying on these charged since I never received a credit and was charged again. I also requested to file a formal complaint and they keep telling me that a supervisor will call me back in 24 to 48 hour and no one ever does. I now canceled this card and want the credits applied to my account along with interest. Before I pay it off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: TN
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 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 2022-10-23
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the debt collector from Convergent, address of the business is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, WA XXXX, phone : XXXX. 
The letter said I own {$320.00} from XXXX XXXX, but I called XXXX and they said I don't own anything. However, my credit report go down XXXX  points, and the report said I have collected from Convergent. I am keeping calling XXXX and they said I don't own any money, but they send the report to the collection. 
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 2022-10-23
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: Investigation took more than 30 days

Complaint:
I sent my first letter asking to investigate the following XXXX XXXX XXXX XXXX. 
# XXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXX. 
# XXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXXXXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please verify this account. 
also to remove a an accurate address listed on report XXXX XXXX XXXX XXXX IL, XXXX I Also sent another letter on XX/XX/XXXX with no response from the credit bureau.

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 2022-10-23
Company: GOLDMAN SACHS BANK USA
State: NV
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:
XXXX, XXXX, XXXX, And XXXX all participated in shady acts in regard to my consumer report. 

They all reported experiences and transactions which is not allowed. 

According to : the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. 

XXXX  XXXX, XXXX, and XXXX all XXXX a late payment as well as my usage. Well if late payments are a form of transactions, and usage is a form of experience these items should not be on my consumer report at all!! 

XXXX is reporting late payments ( APPLE/GS BANK ) as well as credit usage utilization which is a form of experience. 

15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates!!!

i never gave any of these companies written consent/permission to use my PRIVATE DATA to report any payments or utilization to benefit them in their business dealings. 
Let alone any details alone this late payment from XXXX. 

Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

So my right to privacy has been completely violated!!

It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system.

Nothing about this late payment is fair or accurate according to the LAW and my privacy rights have been horribly violated, i am disheartened and i have been affected very negatively by this unfair reporting. 

XXXX, APPLE/GS BANK, XXXX, AND XXXX ALL VIOLATED MY RIGHTS BY ALLOWING REPORTING OF THIS LATE PAYMENT TO MY CONSUMER REPORT!!! 

i need this late payment removed within the next 15 days or further actions will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Paypal Holdings, Inc
State: IL
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, My complaint is with Paypal.com. For a long time now I have used them as a payment processor to sell clothes/shoes through a different site called XXXX. XXXX on XX/XX/XXXX I get an email saying " You can no longer use PayPal '' along with the following description " After a review, we decided to permanently limit your account as we found potential risk associated with it. As a result, we can no longer offer PayPal services to you. Any bank or credit card information thats linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you cant send or receive money. If you have funds in your PayPal balance, it will be held for up to 180 days. After that, well email you with information on how to access your funds. '' Additionally when I log into the site I get a similar message but they add in the following " At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. '' I have read the User Agreement and I don't believe I have done anything wrong that would violate this. After talking to support with XXXX XXXX and on the phone they refuse to give more information or a resolution. What I did after that is open a second account to continue selling but that got shortly the same message. 

After also looking through their community posts it seems like multiple people have had this issue to no avail " https : XXXX ''. I simply want my account back ( either or and close the second one ) so I can continue selling through XXXX since unfortunately PayPal is their only payment processor.

Company response to consumer: Closed with non-monetary relief