BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Ad Astra Recovery Services Inc
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Despite my three requests to delete the speedy cash account that ad astra is trying to collect on that I do not own, Ad astra still remain to report the UNVERIFIED account. The account remain on my credit report in violation of federal law. In the results of AD ASTRA re-investigation AD ASTRA stated in writing that the items on the account is being reported correctly and that they verified the account sold to them by speedy cash that I do not own. I have never had a Contract with speedy cash or AD ASTRA and I still DO NOT have an account nor CONTRACT with the companies. They still have not identified who in their company verified the accuracy of the account or how they verified them. XXXX 's Law Dictionary, 6th edition 1990, defines " verification '' as confirmation of correctness, truth or authenticity, by affidavit, oath or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in arerments or statements of persury. AD ASTRA failure to provide me with verifiable proof required for they company to post the account is evidence that it does not exist and therefore is proof that AD ASTRA can not properly verify the accuracy of the disputed account. Under section 611 ( 5 ) ( A ) of the FCRA, AD ASTRA are required to promptly " DELETE all information which can not be verified. DUE TO AD ASTRA willful disregard of the law I intend to pursue litigation in accordance with the fcra to seek relief and recover all monetary damages that i may be entitled to under section 616 & 617 if the unverified account are not deleted within 10 days. AD ASTRA is violating the law by not deleting the account after several requests for the account to be deleted if it wasnt verified. I am well aware that a bill is not verification of a debt. I also stated to AD ASTRA that I wanted to see a contract or something with my signature on it which they did not and can not provide because the account is not mine. AD ASTRA has it bad about not responding to a request and just putting verified as the dispute resoultion without correctly handling the situation. The law is very clear as to the civil liability and the remedy available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: American Credit Acceptance, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently uncovered that AMERICAN CREDIT ACCEPTANCE continues to falsely report to each of the credit bureaus that my account was closed due to an involuntary repossession. Furthermore, they continue to attempt to collect a {$31000.00} balance and report to all of the credit bureaus an incorrect balance owed, saying that I owe the original balance plus their added on penalty fees and falsely report that the vehicle was involuntary repossessed. I had contacted them several times and told them to pick up the car and they REFUSED to pick it up. Only after I filed a complaint did they actually pick up the car and send a notice saying that they would sell the car at auction and the amount collected from the sale of the car would be applied to the balance owed leaving me responsible for any remaining total to be paid because they were suing me for the balance. Based on all of the information they are reporting to the credit bureaus, they NEVER sold the car and applied the amount to the balance, and they are continuing to report to each of the credit bureaus that they are continuing collection efforts on the full {$31000.00}. They have done so intentionally to case further damage to my credit and prevent me from obtaining accurate information to file bankruptcy. Furthermore, each of the credit bureaus continues to report the false information furnished by American Credit Acceptance each month including the incorrect balance and disposition that the account was closed with an involuntary repossession with in fact, each credit bureau should be reporting that the account was closed with a voluntary repossession. Shortly after my original complaint, American Credit Acceptance began reporting my account correctly to the credit bureaus as closed voluntary repossession. A few months later I checked my credit reports to obtain the correct balance for this account and the balance is still the full {$31000.00} and they went back to falsely reporting that it was an involuntary repossession.

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 2018-01-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a loan with a small remaining balance with One Main Financial XXXX XXXX, XXXX XXXX. There is a 10 day grace period before there is a late fee attached to the bill. I have told this branch a couple of years ago to stop calling me during the grace period. For the past two months I have had a short fall and I have paid after the 10 day grace period. They call my job and leave messages on my voicemail and do not state who the company is but they just leave their name and ask me to call them back. I do not have a direct number to my office phone so they are calling the receptionist everyday and asking for me. This is the only company that I know that does this. Anyone else will send a later after the grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: BARCLAYS BANK DELAWARE
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: Privacy issues

Complaint:
Barclays is unwilling to allow me to share my own personal financial data with other companies. I have the right to share my own financial data.

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 2022-10-04
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$9900.00} ; XXXX  XXXX Balance : {$9800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a notification that a collection account had been added to my credit report. The company is Convergent Outsourcing, and according to my credit report, the alleged company they are collecting on behalf of is XXXX. Over the past 6 months, this account has appeared on my credit report under several collection companies, including XXXX XXXX and XXXX XXXX XXXX. It appears that these are some sort of junk debt buyers, and each time that I request debt validation they were unable to verify the account as belonging to me and subsequently deleted the accounts from my credit reports. I have contacted XXXX several times regarding this, but apparently this error has not been fixed. I filed a complaint against XXXX with my Attorney General and the FCC on XX/XX/XXXX regarding this matter. Furthermore, as far as this Convergent Outsourcing account listed on my credit report, they have violated the Fair Credit Reporting Act by placing this erroneous, frivolous account on my credit report. I did not receive notice via mail regarding this account before it was placed on my credit report, nor did they provide validation of the account. So again, this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Convergent Outsourcing offices provide me with competent evidence that I have any legal obligation to pay them. At this time I will also inform Convergent that if their office continues to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if this negative mark continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and XXXX for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character This is a request for validation made pursuant to the Fair Debt Collection Practices 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 explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I attempted to trade on Coinbase and put in money when the introduced Bitcoin Cash. The market for Bitcoin Cash was much much higher than in other markets, but I figured that since there was a bid and an ask that I could day trade it. I bought about 40000 dollars worth of bitcoin cash. Within 2 minutes, the market was frozen and I could not get out at the prices that were shown as the bid and the ask. They took the market down for a day, and when it was brought back up, I was forced to get out at a much lower price. I tried calling them, and stayed on the line for over an hour but no person answered. 

This was a deceptive market, and I am looking to pursue any legal remedies I may have. Feel free to contact me for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did not consent to my financial information being stored by Equifax, XXXX, or XXXX in the first place. Credit freezes and unfreezes should be made free. 

Thank you for taking the time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Marcus Bank closed my savings account after I withdrew my CD 's and immediately sent the remaining balance to the Mass Revenue Department. 
I never received an escheatment letter informing of what happened to the funds, only that the account was closed. I had to call to find out this information.

It's now been over four months trying to collect my money from the state, however they will be happy to help if I had the escheatment letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: SinglePoint GI
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for a student loan through the college which was denied and so I did not go to school there so how do I have any debt from a service I never recieved?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2019-05-01
Company: CSO Financial
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, I was drugged, beaten, and thrown into the street when a passerby saw this and called the police. An ambulance arrived and drove me the two blocks to the hospital. The medical debt from the hospital was forgiven due to the circumstances. I did not know that ambulances dont work for the hospitals. I thought the debt forgiveness was connected to the ambulance bill as well ( the bill was {$2000.00} ). 

I received a letter in the mail in XX/XX/XXXX stating I owed the money from the ambulance, from CSO financial, saying I owed {$4500.00} due to interest. I called them right away and told them there was a misunderstanding because all the medical debt was forgiven and that I could send them the letter from the hospital, my medical records, and reports to prove this. A woman seemed understanding and told me I was probably right and to send the information over. I did so and did not hear back from them and so I assumed everything was cleared up. 

6 months later they went into my bank account and took {$1500.00}. I immediately called CSO begging them to please return the money so I could pay my rent. I didn't have money for a deposit/first month rent/last month 's rent, on a new place, and could not afford to be evicted right now. I begged them to let me try and work this out. They refused. A woman told me there was no way to give the money back at this point and that I should try to get a payday loan or a family member to pay my bills. My rent, my car payment, and my life took a hit. I was evicted because of this, which led me to lose my job. I lost my job because I was in between homes and not able to make it to work on time, every time. The fear, and trauma from that night was felt all over again. 

I lived through a traumatic night, to be harassed 7 years later, to be a victim to it once again. I don't see how it can be legal to make someone lose their job, and their home for a medical debt that was not their fault. This is probably a long shot but I don't want them to do this to anyone else. No one should have to go through what I went through. I hope someone investigates them. 

As for me, I found a new job and was lucky enough to be allowed back into my home of 5 years. My roommates fronted the bills so I could move back. I was lucky. But what about the people who arent so lucky? Maybe this is why our homeless problem has skyrocketed over the years. Please investigate them. They are still harassing me to this day and I don't know how our country lets businesses treat its citizens this way. 

Thank you for reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Experian Information Solutions Inc.
State: NM
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 originally sent EXPERIAN a dispute letter regarding 6 late payments to XXXX on XXXX XXXX. ( XXXX letter for each late payment, 6 letters total. ) I asked for any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. They responded with an updated version of my credit report simply verifying the information without proof. 
I then sent out a second letter dated XXXX XXXX, giving them 15 days to do a reinvestigation in hopes of getting this issue resolved. They did not respond within the 15 days which is in violation of the FCRA. 
I would like your help with this issue. 
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 2022-10-06
Company: EQUIFAX, INC.
State: MO
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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX ( Original Creditor : 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 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Radius Global Solutions LLC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to a XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX, XXXX, MN XXXX ) about 2-3 months ago for getting my regular 6-month teeth clean. They offered for a XX/XX/XXXX which I said No because I don't need it. They advertised to me saying this is including with my insurance and its all free and covered. 

After I month I received a bill for the XX/XX/XXXX, when I called the XX/XX/XXXX clinic, they mentioned theXX/XX/XXXXwas not covered under my insurance so henceforth I need to pay. 
When I declined the charges, they moved my account to collection department who are threatening me that this is spoil my credit history if I don't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On X/XX/2017 I sent certified letters to theXXXX, XXXX, XXXX asking for a letter of validation for National Credit Systems for the amount of {$2300.00} all credit Bureau is saying acccount is valid but they have not sent what i requested which was written documentation that I signed showing its valid. On X/XX/2017 I sent another letter asking for the same information received another letter stating valided account but no further information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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: Personal information incorrect

Complaint:
Good Morning! 

This is not the first time that I try to fix and innacurate item on my report, the Credit Bureaus have failed to continue with the correct process, they have stop answering the letters and are not willing to work with me by showing me proof that these accounts are accurate. 

I will load all the letters that Ive sent since last year.

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