BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: POM Recoveries, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I received a letter from POM Recoveries about a XXXX XXXX debt stating that I need to provide information regarding his debt. On XX/XX/2021, I sent a letter specifying that POM Recoveries validate the alleged debt. On XX/XX/2021, POM Recoveries sent me a letter with a bill with two unknown signatures and an alleged statement that the Pt mother gave verbal consent. On XX/XX/2021, I responded to POM Recoveries that I never gave XXXX XXXX verbal consent. I requested that they still validate the debt and provide evidence of the verbal consent, the name and title of the unknown signature, and some sort of verbal recording since the alleged verbal consent is being contested. 
On XX/XX/2021, I received a letter from POM Recoveries requesting my insurance information. On XX/XX/2021, I informed POM Recoveries that my insurance company requested multiple occasions from XXXX XXXX to send them an itemized bill pertaining to this alleged debt due to fraudulent claims ; however, XXXX XXXX refused to provide the necessary information to validate the debt. On XX/XX/2021, I received a letter from POM Recoveries stating they contacted XXXX XXXX and they will not provide any additional information to them on this alleged debt. Also, the letter stated that the Hospital diligently recorded the date and time with their employees initial on the Consent and they have acted in good faith since the date of services. In addition, if they do not hear from them within 15 days from the date of this letter, they will resume collection action. 
On XX/XX/2021, I sent POM Recoveries a letter stated that they had not validated the alleged debt and they took this risk without doing their due diligence. In addition, I requested that they provide evidence of the alleged debt, name, and title of the unknown signatures, evidence of the alleged verbal consent, and signatories presented. I have requested that POM Recoveries validated the debt on multiple occasions, but they have been unsuccessful. I receive at least two to three letters per month regarding this matter, which is becoming quite frustrated due to their inability to validate the debt.

Your assistance is needed with this matter because POM Recoveries will not validate the debt since XX/XX/2021, but is threatening to resume collection without doing their diligence to validate the debt.

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 2021-12-02
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On Friday XX/XX/XXXXXXXX, I went into an XXXX XXXX XXXX store to make a payment on my phone and internet bill which was {$260.00} ( XXXX for internet {$200.00} for phone ). On Monday XXXX XXXX, XXXX I noticed that my internet was charged twice on my bank account. I called XXXX XXXX XXXX and asked if they could refund the extra internet payment. They said they would. The next day I noticed my phone bill still had a delinquent balance. I checked my bank account and saw the payment posted as of that Monday. I called XXXX XXXX XXXX and they told me the payment for both my phone and internet bill was reversed/canceled. I told them that was not supposed to happen but once it post back to my account I will pay it again. The money never posted back to my bank account. I called them several times over a month trying to get the money refunded to my bank or credited to my bill and they refused because they stated they already gave it back to me. I showed them my bank account and the receipt from my payment and they still would not rectify the situation. On XX/XX/XXXX I had to pay the delinquent balance on my phone bill even though I never received the payment back and they charged me a {$35.00} fee. On XX/XX/XXXX I again paid my phone and internet bill. On XX/XX/XXXX I have another payment due but I still have not received the payment back from XX/XX/XXXX. I finally filed a dispute with my bank Regions. I provided them documentation and they have closed my claim stating that they can not credit my account even after showing them documentation that XXXX XXXX XXXX supposedly refunded the money. I again called XXXX XXXX XXXX and they wont find a solution to this problem. They say its the banks issue to fix and Regions keep telling me its XXXX XXXX XXXX issue to fix. I can provide documentation from my bank and 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 monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: BAM Management US Holdings Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Yes. I have already put in a support ticket with binance.us # XXXX. 

I did an ACH transaction over 10 days ago. Per their guidelines, I should be able to withdraw or transfer {$5000.00} worth of crypto or cash. 
I have tried to transfer as well as withdraw any amount from {$5000.00} down to {$500.00} with ZERO ability. 

It gives me a message saying 'your funds are partially frozen, etc ' 1- It is well past the 10 day deposit hold for ACH 2- Why am I not able to withdraw?

3- Binance.US currently has thousands of customers with the same complaints on XXXX, XXXX, XXXX, etc. Customer service doesnt answser the phones or respond to emails. 

This organization needs to be investigated and shut down. 

I want this to be resolved otherwise I am getting a lawyer involved for class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Self Financial Inc.
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Charged interest on a XXXX balance! Balance was XXXX when the statement closed and they stated that even though the balance was XXXX, it wasnt paid by the due date in full, which should only apply if your being charged daily interest, which should only apply to cash not purchases. I attempted to resolve it but they failed to help so I just paid it and now my statement balance will report as just an interest charge!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account XXXX XXXX XXXX, Account XXXX, Acount XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and incorrect balance much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I need this complaint sent to TRANSUNION LLC. It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title 15 chapter 41. to Assign, Demand, and Direct Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized Inquires. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identify theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent. This is Hereby A Notice of Inaccurate Inquiries ( HARD ) and ( SOFT ) and confirmation of errors. Pursuant to Title 15 USC Code 1681s-2 ( B ). regarding inquires listed I did not consent to, authorize nor benefit from any of these inquiries. Block and remove them : 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 MISUSE  OF MY CREDIT CARD INFORMATION AS DEFINE IN 15USC 1602 USING MY SOCIAL SECURITY NUMBER AS UNDERLINED IN 26 CFR 301.6323 ( H ) -1 fraudulent inquires has caused financial hard ship. this make up XXXX % of my credit score. I have been denied credit, XXXX and XXXX has already complied with the facts of law I've laid out. But Transunion it self over the have phone told me they don't care about the federal codes, that congress wrote for them to follow. Transunion continuously have disregards to the CFR, Title 15 U.S. Code chapter 41 and to the natural people.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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:
These accounts were not opened by me at all. 

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 explanation
Consumer complaint received 2023-06-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
good afternoon, the entity rooms to go closed my account affecting my credit score XXXX, first I had a delay in the card and I paid them with interest, which meant that instead of improving they lowered my quota from XXXX to XXXX, charging an amount of interest and this month that I did not make the payment on the XXXX to the XXXX, they arbitrarily closed my account. It doesn't seem fair to me that they obstinately complicate my score.

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 2023-05-15
Company: BANNER CORPORATION
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This was a credit line at Banner Bank and the interest rate set at 2.74 % .On XX/XX/23 I called to transfer {$5000.00}. I normally can do it online however this time someone at Banner Bank had to do it. A few days later I received a bank statement that showed the interest rate had gone up to 8.99 %. I called my branch manager and he said the one year XXXX rate had expired and there is nothing he can do. My complaint is the day I made the telephone transfer if that girl would have told me the rate would change the next day I would not have transferred the money. I believe she should have informed me the one year rate had expired and the new rate goes into effect the next day. I have since paid off the loan but it cost me {$170.00}. I think it was a " Bait and Switch ''. I want my {$170.00} back or I am going to a different bank. I am inclosing the statement from Banner Bank. 

Thanks 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 monetary relief
Consumer complaint received 2021-05-24
Company: CITIBANK, N.A.
State: NC
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:
On XX/XX/2021, account ending in XXXX with Costco/CBNA was paid in full ( {$3000.00} ) via my bank account with XXXX. On XX/XX/2021, the creditor reported the XXXX balance to all 3 credit bureaus as shown in the attached report. XXXX balance is also reflected on the account statement, also attached. On XX/XX/2021, the lender reported a balance of {$3000.00} to the XXXX credit bureau. I contacted the lender on that day and was told by the representative that she needed to initiate a dispute. On XX/XX/XXXX, I received an email that more information was needed to process my request. I contact their office that day and spoke with the credit manager who told me that the representative made notes on the account that they didn't know which statement was in question. He initiated another request that the account be updated to the credit bureaus. Today, XX/XX/2021, I purchased an XXXX report from XXXX XXXX and the report shows a balance on the Costco account. Documentation is also attached. I attempted to file a dispute on XXXX online, but I was unable to. I then contacted XXXX via phone and filed the dispute manually. I have shared with all parties that I will not be jerked around concerning this situation and want it remedied 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 non-monetary relief
Consumer complaint received 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XX/XX/2019, I mailed a letter to the United States Bankruptcy XXXX XXXX XXXX XXXX Florida and requested then procedure for verifying records with the credit reporting agencies. I received a letter dated XX/XX/2019 from the Bankruptcy Court stating, The Bankruptcy Court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 6 U.S.C. paragraph 605, is the law that controls credit-reporting agencies. You may contact the Federal Trade Commission, Bureau of Consumer Protection ... ..

The Bankruptcy Court records are public records ; therefore, the court does not report any filings to the credit reporting agencies. Subsequently, I forwarded the letter from the Bankruptcy Court on XX/XX/2019 to XXXX XXXX, XXXX  and Transunion. I requested that they re-investigate the Bankruptcy that they were reporting on my credit file. Letter read, please validate this information with United States Bankruptcy XXXX XXXX XXXX XXXX Florida and provide me with copies of any documentation associated with this record. In the absence of being able to verify this record, I formally request this information be deleted from my credit file you maintain under my Social Security number. The response I received from XXXX, dated XX/XX/2019, stating the Results of Our Reinvestigation, public records XXXX obtained is from local, state and federal courts through a third party vendor, XXXX. I find XXXX  explanation for reinvestigating with the Bankruptcy Court lacking honesty, accuracy and fairness, especially since I placed a freeze with XXXX on XX/XX/2019. Additionally, I placed a freeze with XXXX, XXXX and XXXX, all for profit information-selling businesses.

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 2023-05-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX is a fraudulent account that was reported back in 2021. This account was removed from my report but appears to have been sold to another collection agency called XXXX XXXX. Under the Fraud debt collection practice act it is a violation to collect on an account that was previously reported as fraudulent. I am notifying you that this account must be removed immediately removed based on the aforementioned information. A report affidavit is attached.

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 2022-11-23
Company: EQUIFAX, INC.
State: GA
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 sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated : XXXX XXXX Balance Owed : {$0.00} - This account was already deleted from the other Credit Bureaus and you have not rights continuing the reporting of these information. Your willful non-compliance with the FCRA continues to do harm on my Credit. Per FCRA, Credit reporting must be accurate. I need you to remove this account from my Credit File. 
XXXX XXXX Balance Owed : {$0.00} - The other credit bureaus have already cancelled this account, thus you have no right to continue reporting this information. Your deliberate non-compliance with the FCRA is still damaging to my credit. The FCRA requires accurate credit reporting. Please take this account out of my credit report. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX 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 XXXXXXXX XXXX XXXX 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