BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-05
Company: TH Professional & Medical Collections LTD
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called TH PROF MEDICAL COLLECTN OF XXXX to pay {$79.00} debt. Then they tried to say I had over {$2500.00} in debt. I asked them to prove my debt by telling me what it is and mail it to me. Then they said they forgave my debt, removed it and only charged me {$79.00}. This XXXX said my debt has been erased and they gave me back all of the {$250.00}. Well, I called my bank and they said they took all XXXX! I asked XXXX again from this so called debt agency to mail me a copy of all my debt I owed. She asked why did I need it, if they dropped all of it? She put me on hold and never came back. I recorded the WHOLE. Conversations! I let her know that, she started freaking out my doctors office, XXXX, the XXXX that this bill Supposedly came from, they said is not real. They said I do not owe any money because of the fact I have Medicaid and they dont charge anything. The XXXX want to see copies of what I/ supposedly came from, they said it is not real. They said I do not owe any money because of the fact I have Medicaid and they dont charge anything. The XXXX went to see copies of what I owe. I told her this. She would not comply. I have proof they put a false {$79.00} charge on my credit! They tried to get me to call this fake number - XXXX, this is NOT XXXX XXXX XXXX XXXX its a XXXX number. I called the real number and they saw I am a patient, but I owe NOTHING! They said I need to report this fraud! Why offer to drop my debt and give my money back, if I really owed money?!? They put this on my credit report, making it drop over 45 points on purpose. By making it XXXX hoping I would pay it, but can not provide my bill because there is no bill. This needs to be taken on my credit report. Its a scam! 
This happened today. They put it on my credit report XXXX XXXX. Saying its from 4years 10 months ago. ( Not possible to have XXXX in charges, Illinois Medicaid does not charge a deductible ) XXXX said they gave back the money, but XXXX said the stole it. 
I have her recorded on video, it shows her number, me calling and her saying shes taking this debt off my credit report and giving the XXXX all back. I can play it to anyone that wants to hear it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I've been receiving unsolicited credit offers from Capital One bank in XXXX, VA, despite being registered with XXXX XXXX opt-out and XXXX. I first e-mailed Capital One, then called their customer service number several weeks ago to request my name and address be removed from their mailing list -- yet their pre-approved credit offers continue to arrive in the mail about every XXXX days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Without any notice, debt collector XXXX XXXX XXXX placed a collection on my personal credit report even though the age of the debt was very old. They didn't allow me at least 30 days to dispute the debt as it doesn't belong to me, but to XXXX XXXX XXXX. Bank statements from the original creditor doesn't even have my name anywhere on it. I feel they deceptively did this to pressure me into paying for something that I am not responsible for. I don't even know where they came up with the amount they say I owe. 

On XX/XX/2018 I have sent them a certified letter stating that the debt is not mine and requested documentation to showed that I personally agreed to be responsible for the credit card, but they never responded to me. 

There actions have caused me financially as I am unable to get decent credit for myself and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 XXXX XXXX, have already tried to correct my credit bureaus where the attached posts on credit shows that I was not removed as a authorized user. On each of these posts it shows that I was only an authorized user. I was at no time a responsible party in the use of these credit cards. I was added only as a means of helping me to rebuild my credit. Now the responsible party has defaulted on his obligations, I believe that it is in my best interest to come off of these accounts as an authorized user, and to have these accounts removed from all of my credit bureaus immediately. These trade lines need to be removed 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 explanation
Consumer complaint received 2019-02-05
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was reviewing my credit report and i paid the collection account for {$140.00} with XXXX XXXX XXXX XXXX and Kings Credit Service has verified that, i have the call recorded. Yet it still shows as a debt on my XXXX credit report. When i went to see them in XXXX, the VP of operations told me that they report to the bureaus on the XXXX of each month. She assured me that it would be correct by XX/XX/XXXX. I checked in XXXX it was still there. I called tonight ( XX/XX/XXXX ) to ask why do i still owe and they said that i didn't owe anything. If they are going to be diligent with regards to reporting debts, they should be as diligent with removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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 was looking at my credit report today XX/XX/2020 because I'm thinking of refinancing my mortgage soon, however, I saw XXXX accounts that aren't mine. The accounts are from XXXX XXXX  XXXX for {$140.00} and XXXX XXXX for {$550.00}. I did not open those accounts nod am I affiliated to those companies in any way. I have never allowed anyone to open these accounts using my personal information nor did I benefit anything from these accounts such as money, goods, services or anything else and I did not have anything to do with any payments that might have been made towards these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized 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 2019-02-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax Information Services LLC. is incorrectly reporting my father 's bankruptcy on my credit report. My father and I share the same name, except I use the XXXX suffix. My father does not use a suffix. My father filed for Chapter XXXX Bankruptcy in XX/XX/2016 and Equifax has incorrectly assigned the Public Record to my credit report. I have never filed bankruptcy and this credit reporting agency is incorrectly providing slanderous information to lenders and I am unable to buy a car, buy a home, or receive any lines of credit because of this incorrectly reported bankruptcy. 

I have filed multiple disputes with Equifax. By phone, by fax, and by Certified Mail. Equifax has taken no action to rectify the information on my credit report. 

They are incorrectly reporting my father 's bankruptcy, incorrectly excluding the XXXX suffix from my name, and incorrectly assigning my father 's address as a previous address on my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
My wife and I recently sent an investigation request to the credit bureaus. We are attaching a copy of the letter we sent, with our identity verifications attached. Well over 30 days have passed, and we have yet to receive any responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had spoken to JP Morgan chase mortgage department about removing of pmi as well as escrow for taxes and insurance on XX/XX/XXXX. I was told that I met the requirements to remove pmi and subsequently the requirement for escrow. Around XX/XX/XXXX I received a letter stating that I need to have an appraisal done to remove pmi, which I had completed in XXXX of XXXX, this was due to the representative on the XXXX not properly filling out the pmi removal request. The representative from mid XXXX assured me that they would take off the pmi as well as escrow requirement before my XX/XX/XXXX payment. On XX/XX/XXXX I was charged for pmi though I was told I met the requirement to have it removed and so I called JP Morgan Chase to resolve the issue. The representative stated that this was normal though on XX/XX/XXXX I was sent a letter by JP Morgan Chase stating that I would no longer have to pay pmi after XX/XX/XXXX. I was then sent a letter on XX/XX/XXXX stating that my escrow account would not be closed until XX/XX/XXXX though I was assured by previous representatives that it would be prior to XX/XX/XXXX. On XX/XX/XXXX I was charged for the escrow and as of XX/XX/XXXX JP Morgan Chase increased the escrow requirement though it was suppose to be closed. I have recordings of every conversation that I have had with JP Morgan Chase regarding this matter if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
My wife and I recently sent an investigation request to the credit bureaus. We are attaching a copy of the letter we sent, with our identity verifications attached. Well over 30 days have passed, and we have yet to receive any responses.

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 2020-10-13
Company: Client Services, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company called CLIENT SERVICES, holding my debt from XXXX, XXXX ( XXXX XXXX ) has been sent 6 letters from XX/XX/XXXX until XX/XX/XXXX trying TO SETTLE this debt and get it REMOVED from my credit files! They have ignored ALL ATTEMPTS to communicate with them or settle this debt! Instead they called family and friends and made me look like a fool! ALL I wanted to do for over the past year is SETTLE the debt and have the information REMOVED from my credit file! 
Client services account # XXXX amount offered for settlement {$190.00} No one has ever responded to my repeated attempts to settle this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received numerous phone calls from Portfolio Recovery Associates, LLC through day and night to my new telephone XXXX that I received from my cable company. I notified Portfolio Recovery that I am the wrong person that they are trying to collect the debt from. I asked them to remove the number from database multiple times and Portfolio Recovery refuse to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: Ditech Financial LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
statue of limitation is over on this company, because the statue of limitation being over, they sent me a letter that they were not allowed to communicate with me any longer. Im still receiving letters from this company after they sent me letter stating they couldn't because of statue of limitation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXX I was in the hospital and the bill went to a collection agency, Rash Curtis. In XXXX my husband and I filed bankruptcy but then about 6 months later we withdrew the filing. I never heard from this company again and on my credit report it said discharged in bankruptcy. A few weeks ago I pulled up my credit report and they have begun posting on this debt that I have refused to pay. I received a phone call on XX/XX/XXXX from this company. I called and have been told I owe XXXX in  medical bills dating back to XXXX. I asked about the discharge and they said they lifted that after the bankruptcy was discharged but we never received any information, no letters. When I called they said they sent a letter in XX/XX/XXXX about a new medical bill, I have no idea what they are talking. They said they have called numerous times but have never left a message. Now they want a settlement or for me to pay the entire XXXX, and will continue posting to my credit report that I am not paying. I am not sure what to do and if this is legal. I have no problem paying, but the posting on a credit report from a XXXX debt doesn't seem ethical or legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: MARINER FINANCE, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received these checks in the mail from this company and I deposited it and started a loan. For some reason it slipped my mind. I started in XXXX and by XXXX the company had sent me to the Ohio court system once that happened I am immediately paid my account to get it up to date. 
I apologized to them and advised I would not miss a payment going forward they said this was fine they advise the court documents would go away they advised they were no longer seeking a judgement. They also advised me I did not need to go to court. What happened next was weird because my credit score went down I am starting to show this account was now in collections and there was a past due amount of {$120.00}, which made no sense I called The local office they said your account is not past due youre actually paid up a couple months so I left it alone. I checked my credit report again and it still shows that the account was past due and collections. I attempted to file a correction with the credit bureau, that failed. I Filed a complaint with the XXXX  XXXX  XXXX  then the company contacted me back and says well your account is listed as collections any time it has to go through the court process which I was not advised before then they said even though your account is paid up were still gon na show its past due For court cost until its paid off which makes no sense at all if my account is technically paid up a few months why would you still show a past due balance that is actually lying. They say well its our system which is not fair to the consumer at all if they have a system issue they need to fix it. That can not be legal to reflect someone as past due mess up their credit for months and on top of that they got a judgment against me when they told me I did not need to go to court. I dont see how this is fair at all if I needed to show up to court to defend myself or put my statement in, I would have done so now it looks like I did not show up to court and they got just a simple judgment against me. I intend to pay this off in full as I have been doing. But for this to reflect this way on my credit report and for them to go to the courts and get a judgment when they lied its not fair at all and I would like this looked into. I even asked for official company documents that state if you miss a payment your account is reported as a collection and it will report as a past due balance on your credit report every month until it is paid off in full and no one at the company has sent this information to me. I can even attach a screenshot from my mariner account where it shows I dont even have a payment due until XXXX so how was his company allowed to mess with my credit like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Equifax several times reguarding a collection account on my Credit by the name of XXXX XXXX. I have disputed multiple times saying this account was not mine. I even asked how they verified the account? And asked for proof this account was mine. I have been dealing with this situation since XX/XX/2017. I have spoke to supervisors and other reps the outcome was always no help/ verified. I have sent in police reports I have faxed in FTC report. What else can be done? I am very disappointed with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase.com, who also owns XXXX froze my account on XX/XX/XXXXafter a payment was reversed for cryptocurrency I was trying to buy ( picture attached ). The original Coinbase reference code to this issue was XXXX.

I reached out to customer service to have my account unfrozen after the failed transaction would taken care of and was quoted 5 business days to get it fixed. I have had absolutely no information from Coinbase since the date of the issue and absolutely no contact sinceXX/XX/XXXX.

After absolutely no contact, I reached out to try to have my case escalated and it was apparently " escalated '' after having no contact well past the given timeframe.

I have called Coinbase directly 10+ times and given absolutely no additional information or support, and told there is absolutely no supervisor or other person I can talk to beyond the customer support agents that pick up.

My Coinbase and XXXX  accounts have been locked with funds in them since XX/XX/XXXX. I have experienced a HUGE opportunity cost because my entire portfolio is frozen and I've been given absolutely no options or support - they also refuse to give any sort of timeframe to resolve this.

At the time of writing this, they have held my entire portfolio for 45 days with absolutely no contact and refusal to offer me any solution when I contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been sending correspondence to each bureau since XX/XX/2020 trying to rectify this inaccurate and false reporting items. They finally respond with verified but provided no actual verification. I feel like I'm just another number instead of a customer or person. I am requesting they provide the correct documentation on when I was late with my payments. As mentioned in all my previous letters my information was compressed by the XXXX data breach and Im afraid more than ever my information has got into the wrong hands. It has been over 90 days and these inaccurate items are still showing. I've been doing research and per FDCPA it is illegal to report inaccurate items.

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