BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-17
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: Information belongs to someone else

Complaint:
Last year I discovered false accounts with XXXX XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and XXXX XXXX and XXXX XXXX  conducted an investigation. Yet they still show up on my credit reports Please help me resolve this issue as soon as possible.

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 2021-10-16
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CONVERGENT OUTSOURCING, INC. placed a collection on 2 of the credit bureau XXXX and XXXX claiming I owe {$1700.00} from XXXX. They placed it on my credit file on XX/XX/XXXX, when it fact the debt was settled with XXXX for {$430.00} back in XXXX. Every year this company change the dated as if is new XXXX  and placed it has a new account to the credit bureau. I never received any communication from this company. Back in XXXX, another collection agency reported it and XXXX and XXXX deleted it from my credit file. I do not owe this company the amount they are reporting no di I owe XXXX that amount either. I am placing a complaint against this company for reporting inaccurate information on my credit file with XXXX and 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 2023-07-21
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This company has a collection that is not mine that is reporting on my credit report. However it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: EQUIFAX, INC.
State: KY
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 bought giftcards off a company buy the name XXXX XXXX  and i never got/ receved the gift cards i went to XXXX  and they tried checking the digital giftcard and they could not even check or see a balance said card invalid they told me its possible fraud that they should be able to check it and i bought a XXXX XXXX  giftcard and never got it and they placed it on my credit reports hurt them bad and i contacted them mutiple times and they never would help told me contact the card issures and they said it was done threw XXXX  they have nothing to do with it all im wanting is the credit reports fixed and removed from reports and the debt even cause i should not haft to pay for something i never got /receved i lost more then a XXXX or more pionts because of them i contact them and i asked them would you pay for something u never used/ did not receve they could not responed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Dynamic Recovery Solutions, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A number called me XXXX telling me I owed XXXX {$500.00} some and they were a debt collection agency. I proceeded to tell her thats false I owe them no money and she began arguing with me, asking am I just going to not pay something I owe. I called XXXX and theyve never heard of this and confirmed I dont owe them money. I also checked my credit report and its clear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have used Robinhood to buy and sell XXXX for a long time. I went to withdraw yesterday and received an error that I needed additional verification. I had to upload a copy of my drivers license, debit card, and bank statement. Even after that, they say that the money will be held from 2 days to 60 days until the review the information I uploaded. I have transferred XXXX  of dollars over the year, and they claim withdrawals are instant. I have withdrawn in the past to the same 2 debits cards I use to deposit funds. They have a process where when you link a debit card to your account, you have to log into your bank account and find the code attached to a temporary withdrawal, and then enter that code in Robinhood to verify that you have access to that bank account and debit card. The amount is {$810.00}. Card ending in XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
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:
I have contacted Equifax regarding the XXXX XXXX account in the amount of {$11000.00} on my credit report profile. I have sent letters from XX/XX/2021 to XX/XX/2021 asking for physical documents/contracts as proof that they lawfully and legally placed this account on my credit report profile. By law and stated in their correspondence, they will provide the method that was use to verify accounts. I asked for the method of verification that was used, and they did not disclose the method that was used, and refuse to remove the account from my credit report profile. It is clear that Equifax has unlawfully and illegally placed this unverifiable account on my credit profile, and I want this account removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: SUNRISE CREDIT SERVICES, INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  sent items to my house that were not ordered or requested by me. I have never engaged with XXXXXXXX XXXX XXXX. They have called multiple times and sent multiple collection statements for items sent. It feels like a scam and I feel harassed by them. I am asking for all communication to cease and to stop all billing/collection attempts. 

Their latest communication was from Sunrise Credit Services , Inc on XX/XX/XXXX. The account statement was addressed to XXXX with XXXX XXXX XXXX XXXX XXXX. That is not how my name is spelled. 

They provided the account # XXXX on the collection notice. The phone # on the bill is XXXX. 

I did not contact them directly since I do not trust XXXX XXXX XXXX. 
Please help. 

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 2019-07-15
Company: EQUIFAX, INC.
State: MS
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:
XX/XX/2018 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I have a Mastercard credit card account opened at the XXXX and activated on XX/XX/XXXX ( see first card statement attached ). However Experian only report my XXXX card account since XXXX ( see latest credit report ). I am therefore missing three years of duration in the account history. I have maintained since XXXX my XXXX Mastercard payments in good standing with XXXX past due. As the older the better for an account in its score computation I deserver a fair treatment and all the months be taken into consideration, appearing in full in my report since XX/XX/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 2023-08-13
Company: Bread Financial Holdings, Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX TORRID ACCOUNT # XXXX REPORT AS PAID AS AGREED XXXX XXXX NOT AS UNRATED. 

XXXX ACCOUNT # XXXX PAID AS AGREED THEY WERE NOT IN THE XXXX XXXX XXXX ACCOUNT # XXXX REMOVE COMMENT I MADE XXXX ACCOUNT # XXXX PAID AS AGREED XXXX XXXX NOT UNRATED XXXX ACCOUNT # XXXX SHOULD NOT BE ON HERE AS IT IS A DUPLICATE CARD AND ITS NOT ANOTHER CARD BUT REPLACEMENT AS THEY SENT OUT THEY ARE MAKING IT OUT TO BE ANOTHER ACCOUNT WHEN ITS NOT. THIS SHOULD NOT BE ON HERE AS TWO ACCOUNTS BUT ONE SO THEY NEED TO CHOSE WHICH ONE AND REPORT ONE AND REPORT AS AGREED XXXX XXXX XXXX NOT UNRATED AS I WAS AND DID ALWAYS PAY UNTIL XXXX XXXX XXXX ACCOUNT # XXXX COMMENT I MADE CAN BE REMOVED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Portfolio Recovery has continued to call our number for years even though we have advised them numerous times that the person ( s ) they seek have never lived at this location. They have said that they will remove our number, but they never do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Thursday, XX/XX/2021 I had an issue where I could not access my checking account transactions online or through the mobile app. I was able to log in and reveiew transactions for all of my connected accounts except for my account ending in XXXX. On Friday, XX/XX/XXXX, I sent a message throught the mobile app inquiring about what I was experiencing. I explained that I wasn't only experiencing this through the mobile app, but also when I logged in online. I sent screenshots of what I was experiencing. On Saturday, XX/XX/2021 I received the following repsonse : " Thank you for using Navy Federal 's eMessaging Service, XXXX XXXX. Navy Federal Online Banking is designed to reflect up to a certain number of transactional entries. For most members, this limit is sufficient to cover all transactions that are completed ; however, you exceeded the allowable data limit that can be reflected within Online Banking. You will be able to see your transactions again once your statement is generated unless the data limit is exceeded again. The Available Balance listed on the main screen is correct. If you have further questions, please let us know. '' I then responded on Sunday, XX/XX/2021 that should be no way that I should not be able to review any of my transactions prior to the statement date and that I have never heard of such a thing as Navy Federal is the only financial institution that I have experienced such a thing with. Whomever responded then stated that Navy has designed their system to only reflect up to a certain number of transactions within a statement cycle and to them this is sufficient for most members. Navy Federal doesn't mention this in any of their member documents or account policy documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Upon calling Equifax multiple times, the agent including the XXXX has been very rude to me. I keep telling them that the information in inaccurate and unauthorized and was not made by me. All I keep getting is the run around and misinformation. When I do submit and send in my documents they keep saying they have not received anything. Even when the creditors send me proof that they submitted documents for deletion. Equifax keeps saying they have not received anything. XXXX the manage with an employer ID XXXX was very rude and unprofessional when giving me information and refuse to help me. When I asked to speak to someone else he said I should just hang up. XXXX XXXX number XXXX, XXXX ID number XXXX and XXXX XXXX all need a crash course in customer service and needs accurate information when providing it to consumer. They were all very rude and unhelpful with my issue. According to the FCRA all items unauthorized and unverified should be removed but that is not what Equifax is following. These items are not mine and need to be removed, proof have been sent and they still refuse to delete the items. Attached is the document sent by the collection agency from XX/XX/2023 to be deleted from my credit report but it is still on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Winklevoss Exchange LLC
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX Idaho XXXX. In XXXXXXXX XXXX XXXX, I met a person on XXXXXXXX XXXX named " XXXX ''. She asked if we could use an app called XXXX and we started Communicating there. She was talking normally for a few daysand then started talking about crypto investing. I wanted to delete her after that but I ignored the red flag and played along. She was working on me and trying to get me into crypto trading in higher amounts for greater returns. I was still very skeptical but knew the platforms were safe and secure as long as I didn't give her my account log in information nor my send or receive codes, which I never did. She eventually talked me into wiring an initial transfer of money to XXXX, which is a secure crypto currency exchange. I knew this and was not worried about transferring my money there. The initial wire transfer was ( XXXX $ ) on XXXX of XXXX XXXX  She increased the money that I put in there by {$700.00} in only 30 minutes or so of trading and allayed my concerns of being scammed as I had control of this money when it was in my XXXX account and my XXXX wallet. At the end of the trading day, she guided me through depositing the money into a bitcoin IRA account she led me through the creation of. ( It wasn't known at this time but that IRA platform was fraudulent. ) There were two deposits I made by wire into my XXXX account and those dates were First date of Transaction XX/XX/ and Last date of Transaction XX/XX/. The total amount of money deposited was $ XXXX.She then started asking for more and more money to invest in Crypto, and she had already proven herself on smaller amounts ( or so I thought ). I also believed the IRA account was legitimate still so I transferred a total of {$27000.00}. In order to trade it she convinced me that I should end and initiate trading from my fraudulent bitcoin IRA account. After my final deposit I realized that I had been scammed as I tried to reach customer service from the bitcoin IRA website and never received a reply. The evidence attached is from my detectives who have traced the funds and helped me file claims to recover the funds from the 4 different exchanges that ended up receiving the transfers from her account ( see attached Investigation Graph Image ). I will also provide this information on a XXXX, per our conversation, and drop it off with the local FBI office for your use in this case when you request it. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Receivable Collection Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Receivables XXXX, XXXX XXXX, XXXX XXXX launched derogatory credit reporting very recently. I have not heard of the company. When I called, their outgoing message identified them as a debt collector. Please, restrict companies from derogatory credit reporting. I am fully insured and have found that providers often place claims incorrectly creating problems. If someone contacts me I can help them to resolve any issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. 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 2022-03-23
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Central States Recovery claims I owe 2 separate medical accounts. One for {$390.00} and one for {$52.00}. At the time they contacted me I immediately disputed the accounts for two reasons, I should have no balance with the office where I was seen as I was a cash pay patient and paid upfront upon arrival for all services rendered in the building including the separate account they claim I owe for {$52.00}. The second reason would be that the doctor I saw was on an emergency basis and he also completely XXXX me due medical negligence and I have sought legal assistance in the matter, have needed to switch law firms and yet am still within the statute of limitations for bringing action against said doctor. However instead of verifying the account and proceeding with the matter in a professional, legal, and productive way, as punishment for requesting validation and proof of how I could owe this money they claim, they immediately reported these accounts to XXXX, XXXX, and XXXX. They also do not have them reported as medical. When they first contacted me, I requested validation of the debt in writing and they failed to do so within 30 days or at all. I then requested an address at which they can receive certified mail so that I can have additional proof their company received my correspondence and they would only give me the address of a po box . I did send them an extensive request for validation as the amounts have already been paid, I also sent it with proof you sent service from the post office. I did this multiple times and have never received the requested validation and as such they continue to report monthly to XXXX, XXXX, and XXXX. They have allowed for me to dispute this information but instead of sending me the validation I requested via mail they continue to report this information as accurate. There have been multiple violations to my rights as prescribed by FDCPA, and all of my reasonable attempts which have been on a recorded line personally and or fully documented have been met with counter attempts to handle the matter reasonably or by law. As such they have destroyed my credit and continue to do so as these are genuinely my only negative accounts listed.

Company response to consumer: Closed with explanation