BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a letter from this company on XX/XX/XXXX stating I owed money to an apartment complex.i asked for documentation and they sent me falsified documents. I lived in XXXX XXXX XXXX from XX/XX/XXXX until I moved XX/XX/XXXX. On XX/XX/XXXX my apartment caught fire while I was away. The fire was not my fault but the fault of the apartment. I moved into another apartment due to mine being unliveable. I moved out on XX/XX/XXXX and turned in my keys the same day. I asked the XXXX XXXX of this complex, they had issues keeping trustful employees who didn't harass residents or steal rent money. I asked if I owed any money they said no and once they check the apartment and if any repairs needed they would send me the final bill and anything left from my deposit. She asked for my new address and I supplied it to her. I went on my way and in XXXX of XXXX I called the apartment complex to see if they were able to tell Me when I would receive my deposit.i was told the manager I talked to in XXXX was no longer there and that I should receive my refund check in XXXX days. I got sick with covid and forgot all about following up until XX/XX/XXXX when I got a letter from Genesis Credit Management saying I owed money to this property. I disputed the charges and received a packet from them that shows that all the money I paid in rent, water and gas from XX/XX/XXXX until XXXX was asked for again even though it initially said credit then they tried to charge it again. The company Genesis Credit mgmt when I searched them online shows they have a history of lawsuits on the same thing. When u call their number you don't speak to some except for them to try to sell you their credit repair services. There's lawyers I have spoken to that are aware of what they do and how the apartments harass and use this company to collect money that had already been paid. I can't get no answers as to why I'm being charged for stuff that's already been paid or double charges to get me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have disputed numerous times with all three credit bureaus and the negative information from XXXX XXXX XXXX is still reporting inaccurate information on my credit reports and I keep getting notifications that this account is reporting accurate this is in violation of FDCPA please remove from my reports 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 2021-02-10
Company: Armstrong and Associates, Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company sent me copies of my medical treatment and thats a big Hippa violation and I want this to be removed from my credit and deleted in their system and leave me alone with all the threats they coming to my job and my house to see what I have that they can take.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I sold an item through my paypal account in the amount of {$1700.00}. I sent the item to the buyer and it was recieved. Paypal would not release my funds and said they were holding them for 180 days for a correction. I tried to contact them on several occasions for an explanation, but was not given one. I was told I have to wait the 180 days. On XXXX XXXX I received notice from paypal they took {$1100.00} for the correction and gave me {$690.00}. I tried to reach out again for an explanation with no response. After doing my research I have found multiple articles about paypal stealing money from people illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
After disputing the validity of the debt XXXX XXXX with Account # XXXX says I owe them on the behalf of XXXX  XXXX XXXX XXXX. Sent me a letter stating they would be removing the debt from my report. I have not seen the debt removed and I am requesting that it is removed IMMEDIATELY!. I have attached the letter to validate and expedite the process.

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 2020-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
portfolio recovery keeps sending bills / calling at anytime they wish on a " recorded line '' asking when i can start making payments on a old credit card issued by XXXX years ago. the account when on default and charged off. my credit report doesn't even reflect this debt! Moreover, later the same company issued me a credit card. That long is has being. Today, XX/XX/2020 at XXXX ; XXXX was the latest call from Portfolio Recovery which it interrupted our religious service. I had told them in countless occasions to ceased calls and stop any mail attempting to collect this long gone debt. Their behavior has turned more into a harassing situation and needs to stop now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I attempted to use the XXXX XXXX benefit on my Chase Sapphire Reserve at XXXX XXXX  EST on Monday XX/XX/XXXX. The XXXX benefit is one of the primary reasons I pay for the {$550.00} annual fee on this credit card.

I placed the XXXX XXXX order and was given an XXXX of XXXX XXXX  ( XXXX minutes ) The tow truck did not show up, so after 2 hours I contacted the towing company who stated I was next and it would be XXXX more minutes. XXXX minutes pass, nothing, I call back, same promise. I contact XXXX XXXX  as well who also states to just wait XXXX more minutes. In total, this happened a dozen times, I made over XXXX phone calls to Chase, XXXX XXXX, and the towing company. Each time I was told to wait 30 more minutes and that cancelling would likely elongate the time it would take for a truck to arrive. If anyone had been honest or forthcoming about the length of time it would take I would have cancelled earlier and paid out of pocket. I waited for XXXX hours in XXXX degree heat for the tow truck to arrive, was told I could not leave my car, and to continue to wait. After XXXX hours, I had to pay {$100.00} to have someone pick up my kids from school. Eventually after XXXX hours I gave up and paid {$150.00} out of pocket for another tow truck from a reputable company who was there within the hour. Chase sold me a roadside assistance benefit that left me stranded in the heat for XXXX hours making a dozen empty promises along the way. 

In attempting to resolve the situation after I took care of towing myself, Chase has completely abdicated any role or responsibility. They keep passing me off to third parties, first the XXXX XXXX  partner, and then their third party Claims Administrator. Both of those parties dont understand why Chase tells me to contact them, and frankly I dont either. 3 different parties are involved, everyone insists that its someone elses responsibility and theyre unable to help. Chase is the party who takes my {$550.00} and sells me a bogus benefit, so they should be responsible for resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05
Company: Receivables Management Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My wife receive a call from unidentified male, claiming to be a " Officer of the Court '' and " Needed to verify my address to send a process server. '' She hand the phone to me I challenged him and requested he provide his name and the name of the company he worked for. He didn't answered. He then stated " Someone has filed a complaint againt me '' I again challenged him He again refused to ID himself, but stated he was in the employ of RMP. I explained since he has lied repeatedly, I was more than willing to accept being served and meeting his complaint in front of a Judge. Then he hung up. I have received a letter from RMP XXXX XXXX XXXX XXXX XXXX Tx. It states I owe XXXX hospital bill to XXXX XXXX. XXXX. I was in the hospital refused multible attempts to have a XXXX XXXX preform unnecessary surgeries on me. Todate the ER Phy service have refund me for over payment, the Radiology as well. I disputed the hospital bill in witting with a register letter at least 60 days ago. To date I have not received a response on the erroneous charges I was presented with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 looked at my consumer report XX/XX/2021 and I realized that my rights as a consumer were violated. Pursuant to FCRA 15 USC 1681b ( a ) ( 1 ) I have never given the consumer reporting agency any written permissible purpose to furnish any of the accounts that I disputed. Also they have violated 15 USC 1681a ( 2 ) ( b ) by not excluding such accounts that had anything to do with my credit card which is also my security card according to 15 USC 1602 ( i ). I sent a letter to the company explaining their violations and that they must remove any of the accounts that had no permissible purpose or had any association with my social security that I do not want on the consumer report and I have the LEGAL AND LAWFUL RIGHT to do so.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy listed on my credit report that is not mine, I have documentation from the courts to prove it.

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 2023-09-16
Company: DISCOVER BANK
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I last made contact regarding the past due status of this account inXX/XX/2017. That is the date that should be reflected on my credit report. Discover Bank has changed that date to XX/XX/ after they decided to issue a tax write off document to the IRS. Therefore extending my eligibility to remove this off my credit report by an additional five months. I had the same thing happen with XXXX XXXX Bank and they did not change the last activity date. 

Request justification for this extension of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Block, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I buy a product through this link XXXX XXXX XXXX the seller get money and don't send me anything. 
He is a fraud. 
I paid XXXX at XXXX  year XXXX XXXX XXXX  year XX/XX/XXXX this company said can't get back money please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: SC
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2019-11-22
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-09-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
send me proof that you Community paid my taxes in 2018 sending a debit in my escrow account does not prove anything you state Community disbursed a county tax payment in the amount of {$1700.00} if thats true send me a copy of the check front and back otherwise remove the erroneous debit to my escrow

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-14
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 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  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-06-13
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

NATIONAL CREDIT SYST XXXX Opened XXXX. XXXX, 2017 Balance {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: PA
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:
I identified inaccuracies on my credit report with Experian that negatively impact my credit score. To address this, I sent multiple disputes to Experian via mail, providing all necessary supporting documentation. In response, rather than taking action to resolve the errors, Experian sent multiple stall letters without adequately addressing or correcting the identified inaccuracies.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 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 2023-10-25
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When the auto accident happen, I provide them with all the insurance information. I had XXXX  and XXXX at the time of the incident. I spoke with XXXX and they said for the provider to re bill the services and they never did. Now years later they want to send me to collections when its passed the 5 year limitation and federal law says that as a XXXX recipient I am not the pay or of last resort. They are. I do t know why I am even in collections and they are missing up my credit with the negative remarks. XXXX  dispute system doesnt work. They didnt even attempt to read my dispute or look up the laws I am telling them about.

Company response to consumer: Closed with non-monetary relief