BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: The Capital Good Fund
State: FL
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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I snail mailed Navient my tax return in XXXX for XXXX and XXXX, along with a filled out income driven repayment request form. I finally reached somebody who took my information, told me my loan was good until next XXXX with my income. They had received a copy of my XXXX ( on file ) yet while the XXXX was in the same envelope, they did not. I have sent this information several more times, to receive an email today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: AL
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. 

Account name : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-05-18
Company: EQUIFAX, INC.
State: GA
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 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Viking Client Services
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from viking for a reported debt from XXXX XXXX claiming I was in an accident. This is a lie as I have never been in an accident. I only rented twice from them : XXXX XXXX XXXX under my account XXXX. I have all my receipts and I have never reported an accident or caused any damage to their vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. 


- 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. 

- 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. 

- 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. 


- 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 non-monetary relief
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block these 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 information 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 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 2021-05-22
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a debt collection notice dated XX/XX/XXXX from XXXX XXXX, Debt Collector, who is employed by the Professional Bureau of Collections of Maryland , Inc., on behalf of the XXXX XXXX XXXX XXXX Texas XXXX regarding a debt of {$510.00} that I allegedly owe to the Sound Physicians. I do not owe this debt. 

I have been in a dispute with the XXXX XXXX XXXX XXXX Texas XXXX since XXXX over medical debt they say I owe the XXXX XXXX  for an inpatient hospital stay that occurred in XXXX of XXXX..I received a bill on XX/XX/XXXX from them for {$1700.00}. I disputed this charge and was told by my insurance company I was being illegally balance billed by the XXXX XXXX. I received a letter from my insurance company dated XX/XX/XXXX stating I owed only {$300.00}. I finally received a bill in the mail with a statement date of XX/XX/XXXX from the XXXX XXXX XXXX XXXX Texas XXXX for the correct amount owed. I paid the {$300.00} to the XXXX XXXX XXXX XXXX Texas XXXX online by credit card on XX/XX/XXXX and I do not owe any debt to this company. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX by phone about why my account was still in collections and spoke with XXXX XXXX XXXX XXXX confirmed I owed XXXX balance on my account and said they would investigate why my account was still in collections as well as put a hold on the account. 

Laws have been broken by the Professional Bureau of Collections of Maryland , Inc. and debt collector XXXX XXXX, This debt collection company/collector is in violation of the FDCPA and is unlawfully trying to collect money I do not owe. I never owed {$510.00} to the hospitalist group. The amount I did owe, {$300.00}, was paid in full on XX/XX/XXXX. I sent a debt validation letter dated XX/XX/XXXX to the Professional Bureau of Collections of Maryland, Inc.by certified mail ( received return receipt dated XX/XX/XXXX ) saying the debt was in dispute and to stop all communication with me and record that I disputed the debt. I also asked if the debt was forwarded or returned to another company they indicate it is disputed and if the debt has or will be reported to a credit bureau that it is reported as disputed as well. On XX/XX/XXXX I received a robocall on my voicemail from the Professional Bureau of Collections of Maryland , Inc. saying to contact them. Because I sent a debt validation letter within 30 days of receiving the debt collection notice this collector violated my rights by contacting me. I also have not received a letter from this company validating the debt they say I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received email notification that a checking account had been opened in my name with Chime. I immediately called Chime and request that the fraudulent account be closed, however Chime refused to provide me any information regarding the account other than they had closed it. Per Chime advertisement, they issue both a debit card ( within 1 day ) and credit card when you open a checking account without running a credit check or XXXX XXXXXXXX XXXX. I am concern that they issued these cards without proper credit bureau verification to whomever ( anyone ) sets up an this fraudulent account, especially with all the data breach and identity thief that is happen on a regular basis. Even thought the checking account was closed per Chime, there is still a potential that the identity thief could use either of these cards ( debit or credit ) issued by Chime to cause damage to my financial reputation. Companies like Chime should not be allow by law to open checking accounts, or issue debit or credit cards without performing the proper credit bureau checks that are in place to protect consumers from fraud / identity thief. This type of financial offering encourage Identity thief since there is no way for me as a consumer to protect myself from this fraud. I have spend in excess of 6 hours today put fraud alert on my credit profile with the credit bureau and other agencies, which is not fair to me as a consumer because of Chime 's flagrant disregard for protecting consumers from identity thieves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Submitted a dispute through Transunion and that collection account was deleted from my report. Today, that account reappeared on my credit report without providing reinsertion notice which is mandatory according to the FCRA 15 U.S. Code 1681i. 

This is the account XXXX XXXX XXXX {$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 non-monetary relief
Consumer complaint received 2021-05-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When I log into my.equifax.com to check my credit score and report it keeps returning the error " We are temporarily unable to provide your credit score. Please try again later. " .. Just to be clear I am able to log into my account it just doesn't pull up any of my credit report or my credit score. I've called several times over the past year each time I'd call they'd say they're escalating it to their IT department and the employee would say the IT department will email me when the issue is resolved ... I'd wait several weeks and I either wouldn't respond or send me a cookie cutter response saying " my issue had been resolved '' when it really was not resolved or I wouldn't get a response at all. I lost count the amount of times I've called equifax over the past 12 months to resolve this issue and I'm yet to make any progress ... This delay in action caused me to miss several errors in my equifax account whitch resulted in adverse action taken againts me ... I wasn't aware of these errors until I was declined for credit resulting in further negative items on my credit file. I've give Equifax every oppertunity to resolve this issue and plenty of time to do so with no sucess.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
On XX/XX/XXXX I placed an order for a dining table, a breakfast table and 4 chairs for {$1500.00} ( XXXX including tax ). I initially was told that the shipping would cost from XXXX to XXXX dollars by the manufacturer. But later, they came back with a shipping price of more that XXXX dollars which was way above my budget, leaving me no choice but to find a different shipping company on XXXX The shipping company gave me a quote of {$680.00} and took charge of the items from the manufacturer ( or so the manufacturer claims ). At this point they started holding the items XXXX and asking for more money ( XXXXXXXX XXXX ). I reached out to XXXX to resolve this and talked to someone named XXXX XXXX from customer service. They basically refused to help. 
I tried to resolve this with the shipper multiple times by asking them to adhere to the agreed upon price. However, they wanted to keep items so they can sell themselves and make more money. They resorted to threats and profanities. 
On XXXX, i applied for a refund from XXXX. They have not reached out to me for additional information but have been in contact with the manufacturer and shipper. 
I have not received ANYTHING from the manufacturer or shipper. 
I am owed the full amount of my receipt. 
The receipt, contract, invoice is attached to this letter as requested. Per the policy I have applied for a refund via XXXX website, but have not received anything. 
Here is the policy details from XXXX website : Your actual payment will be fully covered If the quality of the products does not match the standards set in your contract or the supplier did not ship the goods on time, you will be eligible for a refund within 30 days of delivery. 
Regarding the circumstances surrounding the merchants failure : The manufacturer/ shipper are trying to defraud customer by making them pay for furniture and trying to also sell the furniture by themselves. The merchant XXXX is enabling this behaviour by turning a blind eye. 
Order number : XXXX cancellation case number : XXXX ( rejected by XXXX ) I opened this dispute with my bank of america credit card and provided them all the evidence. Despite that, they charged me the full amount of the transaction saying that i received the goods which i didn't.The goods were delivered to new jersey based on the documentation provided by merchant whereas i live in texas.

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 2019-01-09
Company: Continental Services Group, Inc. d/b/a ConServe
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company is reporting an inaccurate debt owed to them on behalf of XXXX XXXX   College. XXXX XXXX College has indicated no balanced is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Global Trust Management LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
There is no problem with XXXX XXXX itself. My installment loan was paid off back in XXXX of this year. I pulled up my account on their website, I called and spoke with them, and I did a chat with XXXX of the reps just to make sure. The XXXX XXXX XXXX, confirmed that that loan was already paid off and that the account is now inactive.

I am getting repeated phone calls from Global Trust Management. Ive already spoken with one of the reps about a month ago and she said that I would have to contact XXXX XXXX to get it worked out because theyre still trying to collect his debt for them. At this point they are calling me regularly and theyre calling my husbands phone. The strange thing is that when theyre calling my phone shows global trust management but once they hang up, theres no number/no record of them calling on my call registry. The rep who called today actually spoke with me. I was able to answer the phone on time and I explained to her that this was a loan that was already paid off months ago and she claimed that it is still open and that XXXX XXXX sent it over sent it to them to collect ( XXXX XXXX still denies that. ). The Global Trust Management rep said that she could give me until tomorrow. At this point, I know that debt is not valid and I just want this company to stop contacting me and my family. I am a schoolteacher out for the summer, but we return in a few weeks, and I dont want this company to start calling my school and cause problems for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: PLAZA HOME MORTGAGE, INC.
State: TX
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:
My mortgage loan account with XXXX XXXX has been closed since XXXX XXXX. Which Law states that XXXX XXXX had the right to Report Fraudulent information 5months after my account was closed to XXXX. XXXX XXXX, Director of XXXX Obudsman states that I disputed my XXXX Credit Report, in which is untrue. 
XXXX XXXX swore that the information she provided was true to XXXX Her Negative Response as of XXXX XXXX was with Intent to cause me harm. I do not owe this company and XXXX had no right to try and destroy my Character.

Company response to consumer: Closed with explanation