BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-07
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
HIPAA VIOLATION : In XXXX and XXXX of 2019 I recieved updated reports after I requested investigations into HIPAA violations from FINANCIAL RECOVERIES and XXXX XXXX. The results of these investigations stated that the account was verified as accurate. I was also provided with a bill and invoice stating the amount owed. I am not disputing or asking for verification. I know my rights under the FCRA and the FDCPA. I am asking for these companies to provide a copy of my signature giving my consent to release or share my medical records to a third party. I am willing to seek further legal action if necessary. 
Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Apparently we had a debt with an apartment complex that we were not notified of until it was sent to a collection agency. They called my husband at his place of work harassing him to pay the full amount right that second or our credit would be destroyed and we'd never be able to move into a house or get credit cards, etc. They were very rude and mean. My husband told them that he was at work and would call back later but they said if he hung up that would mean they are going to be taking action against us. I called them back myself asking to set up some kind of payment but they told me I had to pay it all right that second and they would not accept anything else. When I told them I didn't have any money at the moment they said I have to take out a loan or they are going to destroy my credit. We tried one more call to set up payment but they flat out refused and sent the debt off so that it would appear on our credit reports. I have tried to get it taken off but it seems impossible and I don't think it's fair ( or legal ) that they literally would not accept any payment or allow us to resolve the issue instead they used scare tactics and threats.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Since XX/XX/2018 XXXX XXXX Private Student Loans have been attempting to process payments on my loan. They have been threatening to default my loan. I have provided 3 separate debit cards. Each of these cards were declined upon attempting to charge a payment. The accounts have money on them and the bank states that XXXX XXXX is sending strange transactions in the amount of XXXX $ and that it is their problem processing payments. XXXX XXXX opened an investigation into this matter but is still threatening to default on my loan. This is causing me a great deal of stress and depression. I am under constant threat by XXXX XXXX for their own system issue. I am willing and able to make payments from the same card I use to buy groceries and withdraw money from every single day. The manager of my account at XXXX XXXX XXXX XXXX XXXX lied multiple times about events on my account. XXXX XXXX claimed that I have not provided my checking and account number when I have and claims that my bank said that I do not have money on my account. When I called my bank multiple times, even with a XXXX XXXX representative conferenced in, they said I had money.

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 2019-09-07
Company: CURO Intermediate Holdings
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: Credit inquiries on your report that you don't recognize

Complaint:
This complaint submission is in regards to an Unauthorized Inquiry reported by SPEEDY CASH / XXXX XXXX XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I do not have any revolving accounts with them or any loans. SPEEDY CASH / XXXX XXXX XXXX is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the CUSTOMER RELATIONS & ACCOUNT SPECIALIST DEPARTMENTS by the name of XXXX ID # : XXXX. It was extremely difficult to obtain any information from her, as she was extremely rude over the phone. I then obtained their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor XXXX stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response. It was confirmed through my fax machine that the Department had received the files ; however still no correspondents. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting SPEEDY CASH / XXXX XXXX XXXX immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, SPEEDY CASH / XXXX XXXX XXXX is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I have a Business account with Paypal. I have been using Paypal for many years. I tried to get a Paypal Card Reader, and didnt hear anything, so I called paypal and the representative told me it was cause I listed XXXX XXXX  on my website ( Never Sold it on my website ), so the Paypal Rep told me to just put on the listing that ( Can't use Paypal to checkout with this item ). So I did as He told me, and then like 7 days later Paypal Suspended my account. I called and the Paypal Rep told me that is was cause of XXXX   listed on my account and AUP team was the only people who could get my account open again. So I emailed the AUP team and provided them with screenshots of emails I sent  saying I put the cant check out with paypal on my website and also a screenshot of the items listed, and never heard back from them, so after over 2 weeks I called Paypal again and the representative called someone in the AUP team and said they wont re-instate my account. The XXXX from XXXX is also XXXX and no XXXX and the 2018 Farm Bill made the product Legal in all 50 states. I have not violated their user agreement policy. I  also removed the XXXX listings from my website. So paypal is holding over {$7500.00} against my will, so stealing and using my money for their own benefit and making a profit by strong arming my money. REF : XXXX-XXXX-XXXX-XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: EQUIFAX, INC.
State: TN
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The company is reporting my auto loan late 30 days also 60 days late when the account is not late and My account was put on deferment XX/XX/XXXX XX/XX/XXXX natural disaster it was granted so I was informed that there would not be a late fee and they would not put my account to late status. But its still reporting late on my credit. Also XX/XX/XXXX & XX/XX/XXXX my account was granted and approved for Covid 19 assistance and put the amount due to the back of the auto loan. My account is in good standings but they keep reporting negative as its impacting my credit score. Please I just want them to update correctly as I was told they would but never done. XXXX  is reporting XX/XX/XXXX late, XXXX & XX/XX/XXXX late. Equifax is reporting the same as XXXX, and XXXX  is reporting XXXX & XX/XX/XXXX late XX/XX/XXXX late & XX/XX/XXXX late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: EQUIFAX, INC.
State: NY
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:
There is a hard Inquiry from XXXX XXXX aka XXXX that is on my reported XXXX told me they would do a soft Inquiry for a credit line increase but they processed a hard Inquiry I contacted them about this they stated they would inform Equifax to remove it it would take 30-60 days that was back in XX/XX/XXXX up until this day it has not been removed and equifax refuses to remove it I will attach documentation and proof There is also another unauthorized Inquiry on my equifax file from XXXX XXXX  aka XXXX that should not be on there I have no account with this creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 attempted to contact Transunion to start an investigation regarding these inquiries. Transunion referred me to CFPB. 
The following companies are involved. The are fraudulent inquiries. 

XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX   XXXX/XXXX XXXX-XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please know that I was not late sending my payemnts to ..I wonder why Equifax report it as late when in fact payments were sent before the due date..They wont give me concrete reason as to why they wont fix this..CFPB please step up and fix XXXX  XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX , XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Central States Recovery, Inc.
State: NV
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 had filed a complaint recently on Central states recovery requesting that they remove the dispute verbiage from my credit report. Their response was that they would remove the account from all three credit bureaus. As of this date they have not done what they agreed to do. I need this rectified ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My daughter and I went to XXXX XXXX bank to open a saving and checking account and while opening the account she told both of us that we were approve for a no interest credit card, she gave us papers to sign and said the card would be to us in a few days, we told hard that we did not want a hard inquire on our record and she told us that the bank only pull soft inquire. We wrote the bank with a complain and they said we have your signature on the forms so that is our problems. We were trying to fix our credit and they just hurt us by there person that lie to us. We just would like them to remove the hard inquire

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 2018-05-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
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:
Carrington Mortgage company is literally holding my credit hostage. They reported a 30 day late payment to my credit report while Im in the process of trying to get a loan with another lender ( maybe intentionally to keep this from happening ). My payment was NOT 30 days late however. We made payments on XX/XX/XXXX and again on XX/XX/XXXX. This time period is not over 30 days due to XXXX XXXX in XXXX. I wrote a formal letter to their research department stating this, and after 30 days exactly they responded that they could not remove this from my report. Furthermore, they are now suppressing the credit reporting of my on time payments for 60 days due to the dispute being filed! This is also hurting me because I am in the middle of trying to get a loan with another company, and to do so I need to improve my credit scores. This is next to impossible when my credit reporting is being suppressed by Carrington Mortgage for my on time payments. Lastly, I have called them to request a letter be sent to the company I am working with to improve my credit scores to let them know that I have made on time payments, and they refuse to do that as well! I called XXXX XXXX to do the same thing, and they literally had me a letter within the hour. They told me at Carrington that I had to go back through the research department to request this letter, and that is the only way that I could get them to send it. I find this to be very archaic, and not up to date to the digital age of sending and receiving faxes, emails, etc. This process as well could take up to 30 days. I find this ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Experian Information Solutions Inc.
State: TX
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 attended XXXX XXXX XXXX where I was TOLD I qualified for a GRANT. My mother was with me and we qualified financially for the grant. Never was I told that I would be in debt for this amount of money. I was without a job or practically homeless at the time - there is no way I would have qualified for a loan of {$18000.00} dollars. The person that enrolled me hasn't been there for years. She absolutely told us it was a " XXXX XXXX '' that we would not have repay due to our financial situation at the time. For 10 or so years now I've been penalized for something that I did not have any knowledge of. It's time for this to be taken care of properly. This was fraudulent and presented with malice and absolute false representation by the admissions counselor at 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 2019-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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:
I have reported to Bank of America four fraudulent charges to my credit card. All the charges were for XXXX. I have never had an XXXX account. I spoke with XXXX, who verifed that I do not have an account there. XXXX investigated and told me that someone else used my credit card fraudulently, and XXXX said they have now closed that account. However, Bank of America seems to have done no fraud investigation. Bank of America gave me a temporary credit for all four fraudulent XXXX charges, but then Bank of America charged one of the fraudulent charges back to me with no explanation. When I asked for an explanation they could not give me one. They said they would send me a letter about the chargeback but they did not. I feel that since I first reported the fraudulent charges to Bank of America on XX/XX/19 ( more than 90 days ago ), they have had ample time to do an investigation and resolve this. I am unable to determine why Bank of America has not resolved this problem because they will not give me information, and they have refused to let me speak with an investigator or supervisor. 
Here are the fraudulent charges from XXXX : XX/XX/19 {$1100.00} XX/XX/19 {$1300.00} XX/XX/19 {$6900.00} XX/XX/19 {$6900.00} I have contacted Bank of America about this problem on the following dates : XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19

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
Consumer complaint received 2018-11-28
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I applied for an American Express Serve Card when filing my federal tax return through an online tax software called XXXX. The online advertisement for Serve states there is a {$1.00} monthly fee for the card which can be made by setting up a direct deposit of at least {$500.00} monthly. I applied for the card and had my tax refund of {$1200.00} sent to the card, the date of card application and deposit is XX/XX/2018. I received the card within 14 days of completing the online application. On the date I received the card, I arranged for a direct deposit of {$110.00} weekly ( {$110.00} x 52 weeks/12 = {$500.00} monthly ). 

On XX/XX/2018, I noticed a {$4.00} fee charged to my AMEX Serve account. Further research shows AMEX Serve charged me {$4.00} monthly for the entire time I've had this card. I called AMEX Serve on XX/XX/2018, in which I spoke to a customer service representative name XXXX. The phone call was placed at approximately XXXX XXXX on XX/XX/2018, to number XXXX. XXXX states, " I must make a monthly lump sum payment of {$500.00} to qualify for the no-fee months ; the system does not recognize weekly payments. '' I dispute that ; my first month I had a lump sum direct deposit of {$1200.00}, the computer charged me a {$4.00} fee that month. 


I followed the literature directions to avoid a monthly fee. AMEX Serve still charged me a monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had my girlfriend help me with my finances i have XXXX XXXX in XXXX AZ she changed my direct deposit to her personal Chase bank in XXXX XXXX account I berly found out. now doesn't answer me and keep {$6000.00} XX/XX/2018 - Install of XXXX, XXXX - Tran ID DP XXXX - {$2700.00} XX/XX/2018 - Install of XXXX XXXX, XXXX - Tran ID DP XXXX - {$2500.00} XX/XX/2018 - Sale Advance XXXX, XXXX - Tran ID DP XXXX - {$800.00} Let me know if the bank needs a release date from my end - I'll be glad to talk to them if any other bank information is needed - good luck Mr. XXXX, hope bank can resolve the matter for you soon

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
It was on XX/XX/2018 and the charge me {$130.00} from XXXX XXXX XXXX company free phone free tablet it is a old account plus I have a XXXX I didn't know what i was doing back then I dont work at the moment can you please take that off my credit please and thank u I have too much hard credit on file at the moment I sent you something about a little bit more on my credit report.. please help me out thank u.

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