BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-01
Company: Patient Accounting Service Center
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We received a letter from Arstrat claiming we owed {$760.00}. It was claimed this was in relation to the doctors at XXXX XXXX XXXX. We had already resolved this so I had my husband contact this company. I gave them permission to discuss with my husband. The following is my husband 's notes on the call " I spoke with a person who identified them self as XXXX. I stated we did not recognize the debt, that we dispute the debt and that we wanted written verification. The very first thing XXXX told me was that we didn't need to dispute the debt and she didn't want to put it in dispute. I told her that we indeed wanted to put the debt in dispute. 

I then addressed written verification. XXXX first said that as a collection agency then do not provide verification. I explained I was familiar with applicable law. Then she said they did not have any verification. I told her that without verification they could not pursue this debt. At this point she told me that she'd hang up on me if I kept asking for verification I found the entire conversation unprofessional and it began to seem rather shady. I told her again, this was now the 5th or 6th time, that we were requesting verification and that if ARSTAT can not provide it, they should not be trying to collect. 

According to XXXX XXXX XXXX XXXX system we do NOT owe any money. They claim they don't even use this company. '' We want this removed from our credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: EQUIFAX, INC.
State: MN
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 filed multiple disputes with Equifax ( XX/XX/XXXX latest, plusXX/XX/XXXX & XX/XX/XXXX ) about getting the Federal Tax Lien removed from my credit report since I have the IRS Withdrawal letter. Each time I have been told it's only been released and therefore will remain. After over an hour long discussion with a Supervisor I have resubmitted the information again. 

Also I have been told by Equifax that they weren't aware of the new rules for removing Tax Liens per the recent CFPB study since we have a paid or released Lien that was paid in full in XX/XX/XXXX. 

XXXX  and XXXX have removed all Tax Liens either in keeping with the Federal IRS Withdrawal letters or the CFPB findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 asked all three credit bureaus to do an thural verification on my credit report. I received letters stated everything was credit on my reports. I than did a thural research on my own and found multiple improper inaccuracies on my credit report even after the bureaus did a verification and stated it was correct. 

In accordance with the fair credit reporting act convergent accounts below listed has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Account name -XXXX  account numberXXXX Account name - XXXX XXXX  Account number XXXX Account name XXXX Account numberXXXX Account name XXXX XXXX XXXX Account numberXXXX Account name-XXXX  Account number XXXX Account name-XXXX XXXXXXXX Account number XXXX Account name -XXXX Account number- XXXX Account name-XXXX  Account number- XXXX Account name XXXX Account number- XXXX Account name- XXXX Account number 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 2019-11-06
Company: FORD MOTOR CREDIT CO.
State: NV
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:
Ford is on my credit report and it should not be. This was not my loan. I have tried to get this taken care of by multiple disputes with the credit bureaus and directly to Ford. I don't know why this is still there. I have tried over and over and over again to get it removed and it stopping me from moving on in my life. 
Help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: OH
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, XXXX XXXX XXXX, was a victim of identity theft, and my FTC identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written authorization to any 3rd party affiliate CRA to share my information with the following firms ; please be advised that without consent, identity theft occurs, and I have a right to privacy : XXXX XXXX Dept. of Education XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: BAM Management US Holdings Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sent XXXX hbar to binance.us and forgot the memo, 3 weeks ago I emailed their support to get my funds recovered and have had no response at all even after harassing them sending multiple emails, I am very frustrated and would love a response from the company, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Professional Credit Management, Inc
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After waiting over 180 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX XXXX Transunion, XXXX, XXXX... this company have done countless disputes some where answered and some they never even investigated. They have wrong information reporting for the last 5 years. They said it is accuracy and verified never investigated none of my complains. I only had one loan open at a time. And they made accounts that where good mixed them bad payments and on the other accounts that i opened with them they reported different information on accounts that's already closed. They refused to help me in this matter. XXXX deleted the whole accounts and then XXXX reported new information after 5years of disputing XXXX near. I wanted the accounts 100percent perfect payments. Its destroyed my credit and I cant even get a loan because of these people not doing there job. One lady at XXXX XXXX threated me and said the people that was helping me are amatures that she will make all of it bad or change the information to bad. They have dilibratly try to keep me i n the web of subprime and the world of bad credit. Please investigate!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: CA
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:
According to the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. They are furnishing inaccurate information on my credit report 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666b A Creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason.

I have attached a screenshot of my credit report, highlighted in red is all the information they are furnishing that is inaccurate & unlawful for account # 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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are addresses on this report I do not live at.

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 2020-12-11
Company: GLA Collection Company, Inc.
State: OH
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:
On XX/XX/2020, GLA COLLECTION COMPA add a derogatory mark on my credit reports. GLA COLLECTION COMPA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: KP ASSET CONSULTING LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is alleging I have a debt owed to a company called XXXX XXXX ( XXXX ) with account # XXXX. I have signed into this website and see not account on record. Additionally, there is no information reported on my credit reports regarding this account. They are trying to get me to pay {$710.00} for an account I am unaware of. They have called my wife, my mother, my cousins and God knows who else trying to get in contact with me even though I have already spoke with them. I am not going to pay a default debt just because they make repeated calls to my family and threaten legal action against me. If their is a true debt owed they need to follow the legal process in the state of Oklahoma.

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 2016-04-06
Company: National Principal Group, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
They have XXXX different names : NPG, XXXX XXXX XXXX and XXXX. I have a answered several calls from this scam. They say they are gon na have the sheriff serve me with papers at work, then have me arrested, then sue me. These people are the most unprofessional, soulless, rude scammers. When I tried to find out what kind of company this was, I was hung up on, the first time. The second time I was refused a supervisor. The third time I was transferred to someone that called herself a supervisor who still just tried to get personal information from me, when I refused she said good luck in court and hung up the phone. I speak directly to any company I do business with. This so called company needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: EQUIFAX, INC.
State: IN
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from the credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A problem ultimately of Roundpoint 's making ( which I won't get into for the purposes here ), Roundpoint attempted an ACH on an account with insufficient funds. They told me that they would not charge me a late fee themselves, but they would pass along any late fee from the checking account holder ( XXXX XXXX Roundpoint has assessed a {$20.00} fee against me, claiming that XXXX has charged them for the ACH bouncing. 

I called XXXX, and they told me that they did not charge Roundpoint over this matter ( or any matter ). They also confirmed the ACH third-party did not charge them either. I asked for documentation on this matter, and the best they could offer is the general policy info. Thankfully, it is very clear : On page 1 of the attachment, under the bolded section header " Elimination of Return Deposited Items Fee '' it states : " Were no longer charging a Return Deposited Items fee. '' So, either XXXX is lying or Roundpoint is. Frankly, it seems clear to me that it is Roundpoint.

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 2019-05-01
Company: AFNI 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:
Approx 20 robocalls as of XX/XX/2019, from company called Afni, seeking someone that I don't know. I called the robo-phone # XXXX XXXX to tell them that I don't know who they are seeking. Put on hold and nobody picks up. The robo-calls from XXXX XXXX call my landline almost daily, sometimes more than once per day. 
The caller identifies as Afni or XXXX. I don't know because I've never dealt with a company of that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: DISCOVER BANK
State: NY
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 contacted Discover Card several times, sending emails calling and even faxing the unauthorized charges herein below that were NOT AUTHORIZED, but now Discover Card again posted all the charges back to my account for transactions listed below. 
Discover resolution support credits and then post the charges again to my account over and over, making it almost impossible to understand why they are still reversing the charges. 
The Discover resolution support person I spoke with several times not all but one of them very much treated me like a child and even made defamatory comments towards me instead of taking care of the issue when I first contacted them in the year 2018. 

XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - XXXX XXXX XXXX XXXX NV - {$5300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - XXXX   XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$5300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} All charges herein above are UNAUTORIZED CHARGES, XXXX is aware that the charges were not authorized, and they keep posting it back to my account. 

I am NOT RESPOSIBLE FOR All the charges ; they know very well after numerous explanations about the company XXXX   XXXX. I have no contract with XXXX XXXX and all the charges listed above were once again NOT AUTHORIZED. 

This is destroying my credit and now I have to file this complaint against XXXX XXXX. 

All charges above should be credited to my account as soon as possible. I am not going to make any future payments to XXXX. 

I am already in litigation with XXXX XXXX and will soon be in litigation with XXXX card. 


I would like to request that all NOT AUTHORIZED CHARGES above to be credited to my account as soon as possible as I am not going to make any future payments to Discover since they are very much aware of the UNAUTHORIZED CHARGES issue with the merchant XXXX XXXX. 

Unless XXXX can prove without a reasonable doubt and solid that I do have an account with XXXX XXXX and that I did authorize the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: STATE EMPLOYEES CREDIT UNION
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: Account information incorrect

Complaint:
I had a mortgage with NCSECU ( North Carolina State employees card it union  ) and had a foreclosure. The account was closed in XXXX They are still reporting as late payments in XX/XX/XXXX. Its preventing me from moving on in life and sheltering my family. Its reporting on 2 of the 3 bureaus and appears innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Ascendium Education Group
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation