BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth Financial ( a collection agency ) reached out about a debt during the week of XX/XX/2023. This was a debt that was from many years ago based on an ambulance bill for our XXXX XXXX XXXX. The original creditor, XXXX submitted the claim to primary insurance which did not cover this fee, as secondary insurance ( Medicaid ) pays for this fee as a part of their transportation program. The hospital got pre-approvals and set up the ride directly through their vendor XXXX. ( XXXX XXXXXXXX XXXX ) before taking this ambulance ride. After XXXX sent us a bill years ago, we sent them our secondary insurance information. XXXX, according to our medicaid provider XXXX XXXX never tried to balance bill them and continued to try and collect directly from us. As I understand in Pennsylvania you can not balance bill a medicaid subscriber. 
According to Commonwealth, this debt was sold to XXXX XXXX XXXX. Earlier this year I again provided information regarding my son 's medicaid number and told them that XXXX never submitted claim to the insurer. I also offer to assist in researching this aged claim and wrote them a letter with any details I could find. My son takes ambulance rides all of the time to doctors appointments as he is XXXX XXXX XXXX XXXX  and no other ambulance company has had issues billing and we never receive balance bills over 15 years. XXXX has multiple claims for collection through their collection partners but refuse to bill our secondary insurer and instead come after us directly, even though the secondary insurer is the one they have the contract with for transportation. 
This morning we found that Commonwealth Financial had put a derogatory remark on our perfect credit report. If this was a valid debt I would pay it, however it is a charge that insurance covers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$650.00} ; ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear TransUnion I noticed that my credit score dropped. I checked my credit report and noticed multiple inquires on my credit report. I authorized a few of them but some of them I did not authorized. I read the Fair Credit Reporting Act, and it stated that a company needs a permissible purpose to pull someones credit report. Well I did not give the company below that permission. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX | XX/XX/2022 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

I have also sent a letter to the furnisher asking them why they have pulled my credit report without my permission. Im waiting for their response. While waiting for them, Im asking you to honor the law and delete these inquires. 

Help please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
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:
Their website has a pre-qualification form for personal loans that specifically states " this will not affect your credit score. '' I did the pre-qualification form but decided not to pursue fully applying for the loan. The local branch still pulled my credit report, resulting in a hard inquiry without my permission. I contacted the company about this, and someone from a local branch called me back. First he tried to get me to close the loan anyway even though I didn't want it, then said he would contact the company 's home office to find out how to resolve the issue. He said he would call me back by Friday but I never received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My account has been disabled, and I have not been able to get into my account since XX/XX/2020. I have tried numerous times to reset my password the system lets me reset my password, but still I'm not able to get in. I have open numerous customer service tickets with support, but still have not have this resolved, I have spoken with support they say they are going to escalate the issue but again, they have not solve my issue. My account has grown in value, but I can not trade or sell due to not able to get in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical  verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your  failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 XXXX XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I would like to have the following inquiry accounts removed from my credit report. 

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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 2023-02-28
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX accordance with the Fair Credit Reporting act Dept of EducationXXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On On XX/XX/21 they said they were delivering. XX/XX/21 I received a message stating they cancelled my order. ( against store policy ) only I can cancel. The amount of the 3 items that they were refunding was not correct. XXXX, XXXX, and XXXX - They said they were refunding XXXX this is wrong. After XXXX calls to Walmart, XXXX who delivers to customers could not give me a viable reason. I contacted my credit card company and it was not refunded. Some of my calls were XX/XX/21 and today XX/XX/21 to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: W&A Intermediate Co., LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was receiving daily calls during work hours. I finally had free time so I called them back. They stated I owed around {$1200.00} for a payday loan and that they already had a garnishment ready to be served. They said that the payday loan is from XXXX, but they had a bank and employer listed that I stopped working for before XXXX. They offered a settlement offer of {$1000.00}. I was unable to pay that amount. They offered 12 bi-weekly payments of {$170.00}. I asked for in writing, in an email. They denied my request and threatened to " just go ahead and have you and your employer served ''. I asked if the call is being recorded and she said yes. She also told me that if I didn't agree, then my debt would go up by {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery continues ( for the last two years ) to practice unethical and illegal debt collection practices.

This is occurring after they have already been ordered by the cfpb to stop with their illegal behavior, cease collections and refund consumers affected. A link to the CFPB enforcement order is below.

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Rent Recovery Solutions
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am not going to chase all this call this call that. That's your responsibility. I will however keep on filing this report until things get resolved. 

If I am responsible, I will pay for whatever I am responsible. You can check my credit history - I have NEVER had anything collections related. 

# 1 I have never even met any of the aprtment rental ppl due to pandemic.

# 2 I did not damage the apartment - I lived for 2 months and then moved to village in Alaska. 

# 3 I was never told I had outstanding balance nor was I warned that it would move to collections # 4 Please provide proof that I caused the damage. Either show me that the damage the apartment claims wasn't there before or show me that I caused the damage. I need to see itemized list of what was wrong and what was done and how much it cost. And PROVE that I am responsible. 

You can contact me via email or phone. I have tried numerous times to call you guys and talk to a human. It's your job to contact me and get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed a dispute on a XXXX transaction for XXXX I was given a link to follow from the merchant that didn't work when I reached out to the merchant they indicated it would work. I filed the dispute with my bank and told them all the info needed and even offered to supply emails of what happen they said they didn't need it. When I got the 70 page letter in the mail it came back from merchant that I didn't return which is correct merchant refused to provide me with info to return. I called in again to my bank and was told by XXXX after telling her again what happen from start not worry and that the credit would not be debited XXXX also worked on another case for me that day. A week later I look at my account and there is a debit for this amount I called in spoke with a XXXX from Florida who informed me that XXXX was on her team and XXXX was their manager but was unable to talk to me right then. But he would call me back as I wanted the bank to listen to the call me and XXXX had. XXXX never called me by the 3rd hour I called back was talking to another person in FL that was on the same team said XXXX didn't forget about me but would call me back I asked what time he left for the day I was told XXXX ... XXXX never called and my issue is still I need my refund I still 4 days later have not received a call

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A scammer utilized XXXX to impersonate my ex-husband. The scammer utilized XXXX to empty my TWO savings accounts into a new fraudulent account under my ex-husbands name.

The bank has done NOTHING to assist me in recovering my savings. Their investigation was insufficient. The investigation did not attempt to contact the ex-husband whose name was used to open fraudulent accounts. They did not follow the money transfers to see where it lead. 
Bank of America does not care about helping their customers. I have proof of fraud and still my claims were denied. 
There are two police reports concerning the Identity Theft & the Wire Fraud Theft

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 2019-04-23
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1 ) In approximately the fall of XX/XX/XXXX I moved from an apartment with internet serviced by XXXX to an apartment with a different ISP. XXXX did not turn off service at the old apartment in a timely way and billed me an additional {$53.00} for services I did not receive, in spite of their obligation to release me from the contract without a termination fee. 

2 ) I submitted a dispute to XXXX through XXXX on XX/XX/XXXX. I have not received any response to this in nearly two years. 

3 ) The collections debt has passed among collection companies who attempt to collect the debt, and then after I instruct them not to call me, they resell to another collection agency. These companies then report the supposed debt as a new collection account to the bureaus, which keeps the account fresh and more impactful in the determination of one 's credit score. This practice is clearly abusive and not in the spirit of the law. 

I believe the case above demonstrates a failure at all levels of the credit system we have in place, but primarily I wish to have the debt now held by AFNI , Inc. to be discharged and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Capital One did not change my legal name which I requested earlear this year. I sent them all the information via certified mail. They did not recive it till XX/XX/2023! The information was never updated till I resubmitted it Thursday by fax then it was updated! But my credit score was NEVER UPDATED, but all 3 credit reporting agencies have it updated in their systems. My credit will not be reported now till XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We have a small towing business and we used a credit card that was suggested from a bank member. Every month we made payment on this credit card since we see the balance on the personal account. We never had the statement on this credit card and to our knowledge the credit card was getting pay every month. After a year and half we got suspicious since the balance on the credit card didnt match our expenses so we called them and find out the the credit cards we paid was collecting a balance every month them were charging us fee. By the time we find out this problem our credit card balance was XXXX and had a financial charge of {$6000.00}. So I called them and I also wen to the bank and them were able to remove three months of financing charge, but my fees and all this troubles can be avoided since them never send us a statement or a phone call or anything. The business account was open on the 2009 and them confirm that we didnt log in on this account since 2009 since all the payment and activities was checked from our personal account. We work so hard to help people every day in all kind of conditions since we do XXXX XXXX  and this banks keep adding fees to our credit card balance with no mercy. We had to use all our saving to pay off the credit card balance since we cant afford to get anymore fees. This is not right. This is ugly. And the top of that the customer service when you call them are so cold people with no mercy for them customers.

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 monetary relief