BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-01
Company: Professional Finance Company, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX Hospital. Service Date XX/XX/XXXX. 
Indicated patient part due XXXX. Paid on XX/XX/XXXX. 
Never had any documentation or bill sent after that. No phone call, No bill. 
Then on Saturday, XX/XX/XXXX, I received a bill from a collection agency. 
XXXX XXXX XXXX because I had insurance, they said they never received a bill from the above hospital. I have requested by phone and fax that they ( XXXX ) send me an itemized bill, and they have yet to do that. People don't want to do there job, so its just easier to set it aside and wait right before the statue of limitations is about to run out and then turn it over to a collection agency. The bill could have been paid off by now, and not be on my credit report. There are tons of people out on the internet that companies are using the " Parking Practice '', rather than spend time trying to collect it. There should be procedures in place that they have to follow as well. Three times and you're out. Then turn them over to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reached out multiple times to ConServe to ask for information surrounding this account, as the information they have is mistaken. Not only has ConServe not provided this information in full, but they have also failed to substantially respond to errors in the information they have provided as to why this debt in this amount is valid to me. 

Currently, ConServe has indicated that I owe {$780.00} for a registration fee of XXXX of {$620.00}, a registration fee of {$510.00} for XXXX, and 3 late fees totaling {$45.00}. However, records show that I dropped the classes on XX/XX/XXXX. According to XXXX 's reimbursement policy, the last day to drop classes with 80 % drop of charges is XX/XX/XXXX. The charges ConServe claims that I owe do not reflect 20 % of either classes ' registration fees- which would result in a {$220.00} charge, before late fees. Further, XXXX 's policy is to charge a late fee for each late payment. The records sent to me indicate I owe 3 late fees though there are only 2 payments due on the account. 

I last reached out to ConServe on XX/XX/XXXX regarding this issue and have received no repsonse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau Staff, As a timely bill payer, I am destined to get to the bottom of my disagreement with American Express. I find it odd that American Express is the only company who gets late payments from me. I have been with the company since XXXX. I have had more late bills from them than all three of my other credit cards put together in the same time frame. I take my credit rating seriously, and will never intentionally cause a bad rating due to a lack of responsibility. 

It is my belief that customers who pay bills via US mail with American Express may be caught up in a web of late fees. When paying by mail, it is my word again AEs word. So what I did was pay by certified mail all bills to them after XXXX, XXXX. Not one payment was late. The bill arrived in four to five days, which is what was typical behavior. It just seemed suspicious that I get caught up with late fees at least once a year. The bill in question was sent off nine days in advance due to the XX/XX/XXXX holiday in XXXX. Supposedly the bill arrived in twelve days. Please view my attachments. You will see where the bill did not arrive by XXXX p.m. on XX/XX/XXXX, but did arrive before midnight on XX/XX/XXXX, but posted in an email on XX/XX/XXXX at XXXX a.m. I am in awe of the postal service delivering mail between XXXX and XXXX midnight on XX/XX/XXXX. 

CFPB, please consider the number of customers paying bills by US Postal Service versus the ones paying online. Is there a bias towards those customers paying by U.S. mail? Also, does my zip code have anything to do with my issue? 

I am attaching and numbering all the documentation. Some have anecdotal notes, and others do not. It has been a year now. I have tried to resolve this issue with AE several times. Everytime I attempted to drop it, my spirit would not allow me to do so. Self-avocation is very important. 

Thank you, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-03
Company: Albert Corporation
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I do mobile banking with Albert and all of my funds come from this bank account. I am filling out a government application with the United States Citizen and Immigration Services, where a certified bank statement is required. This document simply includes the amount of money deposited into the account in the past year, the date the account was opened, and the current balance of the account, and for it to be signed by an officer of the bank. All of this information is accessible to them. I have contacted Albert through the only way possible, which is their feature where you text them. After discussing the required document with them, they refused to provide this document and will only give me access to my regular monthly statements which is not accepted by the government agency. I explained the need and urgency for the document and how it affects humanitarian aid within my family. Albert will not provide a reason for being unable to provide the document.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
This agency provided obscured documents and seems to have reported inaccurate information to the credit agency about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Thaxton Investment Corporation
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:
I have companies that sold my original account to different companies that I have no recollection of and they have not reach out to me about any of changes these accounts are old accounts that the original creditors collect money off of and then sold the account without my consent I havent got letter or call I tried disputing the account several times still showing on my credit tried reaching out to companies they sold the account to and they cant give me any information about these fraudulent accounts on my credit thats in the original companies got paid for and sold the account trying get paid again when I have know acknowledgement of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: CITIBANK, N.A.
State: AL
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/2022, I tried to order a XXXX XXXX XXXX ( {$1100.00} ) on XXXX. My Citi Visa flagged the purchase as a fraudulent purchase, and declined the transaction. I called Citi Visa and had them remove the flag, and Citi Visa then ran the transaction. Meanwhile, the XXXX order had timed out and XXXX had automatically cancelled the order - but the Citi Visa transaction did NOT cancel, which I did not know until I received my statement in XXXX. 

On XX/XX/2022, I contacted XXXX XXXX XXXX and they confirmed they did not receive the payment and only had a cancelled order. So, I submitted a new purchase for the same product ( {$1000.00} ) on XX/XX/2022. 

In late XX/XX/2022, my bill reflected two transactions to XXXX XXXX XXXX. I contacted Citi Visa and requested a refund for the original order of {$1100.00}, which had been cancelled. They issued me a credit, and stated they would investigate the issue. They stated they would let us know if additional information was needed. 

On XX/XX/2022, Citi Visa provided a form for me to fill out, which we submitted with supporting documentation on XX/XX/2022. On XX/XX/2022, Citi Visa denied the dispute ( XXXX ), claiming that there was not enough information in my dispute, and they closed my dispute and rebilled my account with fees and interest charges. This notification only appeared in my on-line account, so I was unaware the dispute had been closed until I noticed the charges reappear in late XXXX when I received the XXXX statement. 

We immediately contacted Citi Visa, and we were told that the Citi Visa fraud department would have to reopen the dispute. We also explained that we do not have additional information, and that the issue was caused by Citi and must be resolved by Citi. We have now been through a series of dead ends trying to get someone in the Citi Visa fraud department to look at the case, Citi Visa now claims that 180 days has expired so they can't look at this case.

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 2018-02-14
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:
I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.

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 2023-09-03
Company: Westlake Services, LLC
State: OH
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:
the vehicles transmission went out Westlake Financial refused to fix or honor the warranty on the vehicle so payment was stopped until an agreement could be reached but they still reported delinquent payments on the vehicle, we did reach an agreement on the vehicle and settled the account but they reported it as a charge off settled for less then the amount owed and reported over a year of delinquent payment i have requested that the account be either changed or removed and they refused to do so i have disputed this several time and they still wont remove it, it has gotten to the point that the way it is reported it has stopped me from finding home loans and been turned down for other credit for cars and personnel loans as well, i am asking for your help in repairing this situation as soon as possible, this is a personnel attack on my financial life and well being

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 2023-03-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under the open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you the authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including the license number that gives you rights to collect in my state. 

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also, read the attached letter and review all of the violations by your company

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 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have contacted all three credit bureaus numerous times indicating I never asked these companies to run my credit and wanted proof that i was indeed me. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have never provided me with my signature or proof of any kind with any of these companies.

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 2023-09-03
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting 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 CITICARDS CBNA XXXX XXXX XXXX violated my rights to privacy. Under USC 1681 Sec. 602 states I have the right to privacy. 15 USC 1681 Sec. 604a. section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under USC 1666b. a creditor may not treat a payment on a credit card account under and open and consumer credit 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 explanation
Consumer complaint received 2022-08-04
Company: Sezzle 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 status incorrect

Complaint:
Incorrect information is reflecting on my credit report that my account was paid late and it was not they just said I had a late payment on XXXX was reported on my credit report saying I was late in XXXX. Its currently showing Im late and this account has been paid in full with a XXXX balance since XXXX. There not reporting anything accurate on my credit report not XXXX balance not current limit and also reported a late payment which I was never late. On my credit report stating Im late and Im not late. I need a letter stating that Im not late and showing my current balance which is XXXX. The attachment shows it wasnt updated since XXXX but I got alert on XX/XX/XXXX and my points drop XXXX points because was showing currently late I also attached my credit limit with them showing also I dont owe anything also what is reporting incorrectly on my credit report I was never late and why was this just got reported XXXX if I was late way in XXXX. I was never late I want this corrected and Im currently not late as well. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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:
XXXX  XXXX XXXX Balance {$4300.00} Original Creditor Name XXXX XXXX XXXX XXXX Balance {$3900.00} Original Creditor Name XXXX XXXX These accounts were both fraudulently opened in my name. I have filed a police report, I have filed multiple disputes with each major credit bureau including a copy of the police report.I have also filled out and mailed a fraud packet from XXXX  and returned it the company. XXXX, and Equifax have both failed to remove this information. I have requested proof of their investigation, which they have failed to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: EQUIFAX, 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:
I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to address a matter of utmost importance concerning my PayPal account with the email address XXXX. 

I recently received notification that my account has been permanently limited, and I must express my deep concern and disbelief regarding this decision. I firmly believe that this limitation must have been placed on my account by mistake. I have been a loyal PayPal user for many years, and I have always adhered to PayPal 's policies and guidelines. 

I would like to emphasize that I have not violated any of PayPal 's terms of service or policies, knowingly or unknowingly. I take pride in conducting my transactions with honesty and integrity, ensuring that all my activities comply with PayPal 's guidelines. 

In light of this, I kindly request PayPal to reconsider and thoroughly re-investigate my case. I am confident that upon closer examination, it will become evident that there has been a misunderstanding or misinterpretation leading to this unfortunate limitation. 

I sincerely hope that PayPal will grant me the opportunity to rectify any discrepancies and demonstrate my commitment to upholding the principles that PayPal values. It is of great importance to me to have my account reinstated, as it plays a crucial role in both personal and professional financial transactions. 

I understand the need for security measures to safeguard the platform and its users, and I fully support PayPal 's efforts in this regard. However, I humbly request a fair chance to present my case and prove my innocence in this matter. 

I kindly urge you to treat this appeal with the utmost priority and urgency, as I am eager to reach a resolution at the earliest possible time. I have complete faith in PayPal 's commitment to fairness and am hopeful that my appeal will be considered with an open mind. 

Thank you for your attention to this matter. I look forward to a positive response and the reinstatement of my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, 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 Reporting Act XXXX XXXX account # XXXX as well as XXXX XXXX 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 response to consumer: Closed with explanation