BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: Southwest Credit Systems, L.P.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have XXXX XXXX and other collections on my account that I did not attempt or live and the address they have on file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Revco Management, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/XXXX Revco sent me a letter Stating I owed on 4 accounts from XXXX XXXX XXXX. XXXX for {$31.00}, XXXX for {$150.00}, XXXX for XXXX and XXXX for {$540.00}. 

I disputed this letter since I had already made payment arrangements with XXXX. 

on XX/XX/XXXX I called XXXX and they confirmed I was making all of my agreed payments on time and the accounts were being pulled from collections. 

on XX/XX/XXXX I was sent a letter from Revco stating that they had confirmed that I owe them for the accounts mentioned above. 

on XX/XX/XXXX I called XXXX billing and talked to a XXXX XXXX he told me that the accounts were being pulled from collections because I have been making my payments. He also stated that he was confused why account # XXXX was even mentioned at all because I had paid that at the time of the procedure. 

on XX/XX/XXXX I again called XXXX billing to confirm that everything was cleared up and I could continue making my payments. She told me that yes everything was pulled from collections but that now I somehow owe {$1500.00} for all accounts. 

on XX/XX/XXXX I received a response from Revco from a complaint to the XXXX  I had submitted against them. They responded that account # XXXX and XXXX were paid in full but I owe {$540.00} on account numbers XXXX and XXXX. 

I do not owe Revco any amount of money as I have been making installment payments on my amount due agreed to by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10
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: Information belongs to someone else

Complaint:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern, On [ Date ], I wrote to tell you that I had not heard about any specific action taken by you to re-verify theitems I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review. Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days after signing the certified mail receipt you are holding. 
Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, Civil liability for willful noncompliance. Your credit bureau may be liable for : - Any actual damages I sustain due to your failure to delete the items.-Punitive damages as the court may allow.-Cost of the court action, plus attorneys fees.A copy of The purpose of this credit repair letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations ( Division of Consumer Complaints. ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Diversified consultants called me a week ago and we agreed that XXXX dollars would come out of my checking acct on the XXXX of XXXX and the rest in the middle of XXXX Then that same agent called today the XXXX saying that he would like to " set it up '' for XXXX XXXX and i said ok.. then i gave him my debit card info and he said it would do it and give me a reference number. he did say he would do it " now ''. of course since we were just talking about having it come out on the XXXX, it was understood that he was setting up the transaction for the XXXX then he comes back on the phone to say that he already took it out of my acct. I was furious.. that is NOT what we agreeed. so I asked for his supervisor. then XXXX, his supervisor gets on the phone and says it was a miscommunication, that is all and agrees to reverse it but it will take several days.. so now i will have checks bouncing due to the fact that money is coming out of my acct unplanned. when other items i planned for are being taken out. Diversitied Consultants lied to me and caused me undue hardship. they can not be trusted.. I have many times made arrangements with other creditors like this, taking out funds on a future date. I have never trouble like this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Consumer Adjustment Company Incorporated
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting illegal information on my credit report I contacted them 30days ago got no response. also under the hipaa privacy act they can't have access to my personal medical records that's against the law and they can't provide me with information about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Trans Union XXXX XXXX XXXX XXXX XXXX, Pa XXXX Date XX/XX/18 RE : XXXX XXXX XXXX Acct # XXXX To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ga 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 2022-08-07
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an XXXX XXXX account that returned a deposit back to CHIME. Hence it was a deposit or a credit to my Chime checking account. Two small verifying deposits from XXXX XXXX into CHIME had been made a few days previous. When the amount of {$700.00} was returned back into the CHIME account, CHIME locked my account. I was unable to pay rent or buy gas to get to my job, I'm not able to buy food and my Social Security has since been deposited into this CHIME account which I now also don't have access to. I have access to NONE of my money. I'm a XXXX  citizen and this is outrageous and affecting my health. I have made 6 phone calls to CHIME and have sent them the documentation they demanded in order to unlock my account. It is still locked, and I have no food, my dogs have no food, and am going to lose my apartment, and I'm this has changed my entire life. I am distraught and have no recourse against this company. Oh my goodness this is killing me. Please help me. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Sent from my XXXX XXXX XXXX XXXX device -- -- -- Original message -- -- -- From : XXXX XXXX Date : Tue, XX/XX/2021 XXXX XXXX To : XXXX ; Cc : Subject : Coinbase Buy & Trade Bitcoin, Ethereum & more I need to Login to my coinbase pro account, but I can't because apparently they made me fraud and blocked my income, they also withdrew {$1000.00} without my authorization from my bank account XXXX bank I need to solve me shortly I am very upset with you. {$7100.00} dollars in shares with you and I can not withdraw them since they changed my password, please, I need help to activate my urgent password.I should also tell you that the hakers bought with my stock ethe and litecoin they bought bitcoin and tried to sell them. I never bought or transferred my shares to bitcoin. 
I have with you Ether : XXXX Ether : XXXX Litecoin : XXXX My XXXX bank give back {$1000.00} But still waiting for you Send me a my email reactivated My password.i need help me assonest Waiting since XX/XX/2021 Thank It second time make complaint the company answer you them try contact me but is not true I never receive email from them XXXX Just need them send me email I dont have acces my account .I have a lot money Please help me just need take out my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX can be located at XXXX XXXX XXXX XXXX, XXXX, SD XXXX | ( XXXX ) XXXX 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 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 2020-06-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I approved for a credit card with Pentagon Federal Credit Union ( XXXX ) on XX/XX/XXXX with an initial limit of {$7000.00}. The card came with a promotional offer of {$100.00} after spending {$1500.00} within a 90 day period. I was approved for a credit line increase on XX/XX/XXXX to {$8400.00}. I paid {$1100.00} on XX/XX/XXXX. My spending passed {$1500.00} around XX/XX/XXXX, meeting the spending requirement. XXXX closed my card on XX/XX/XXXX. I have a XXXX XX/XX/XXXX score with no negatives. They are not my highest credit limit which is at $ XXXX. I generally do not hold balances, but I do use my cards and pay them before the statement cuts. They closed the card as soon as I reached the spending threshold. I did not receive the bonus.

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 2022-08-10
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX can be located at XXXX XXXX XXXX XXXX, XXXX, SD XXXX | ( XXXX ) XXXX 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 2021-09-07
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
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:
BEEN OVER 30 DAYS NO RESPONSE FOR XXXX, EQUIFAX AND XXXX ABOUT INCORRECT FRAUD ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Creditors Bureau Associates
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted a complaint against this debt collector on XX/XX/2021 and they replied on XX/XX/2021 stating that they are not the appropriate company to address my issue. 
Let me very clear. This is definitely the company I need to be addressing my issue with and by this second complaint against CBA Macon to the CFPB, I am building my case to use against them and the hospital that sold this information to them. This is a CLEAR HIPPA violation! I have the full medical records showing EVERY detail of the patient which is a PHI violation as well. Not only did they send me the full detailed medical record, but they sent no explanation as to why they believe they have a right to report this on my credit without having valid evidence. Now they are lying and saying they are not the company to deal with my issue. If CBA Macon does not IMMEDIATELY remove this reporting from my credit until they can PROVE that they 1 ) Have a HIPPA waiver signed by me and 2 ) that they have a right to collect on this debt and 3 ) that I am the person whom they are damaging their credit worthiness without even sending me information that they were going to XXXX up my credit. I will be turning this matter over to my lawyer and handle this matter in court and not only will I bring charges against the original creditor, but CBA Macon as well. This is my final attempt to get a reply that this matter will be handled and they will do the right thing by removing this information from my credit reports, or the next step will be to turn EVERYTHING over to my lawyer, including the medical records they sent me. 
Also, thank you CFPB for turning this matter over to the FTC. I will be pursuing this matter all the way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
So my name is XXXX XXXX and I made my PayPal account XX/XX/XXXX or XX/XX/XXXX of XXXX and I got a donation from an XXXX XXXX XXXX XXXX of XXXX dollars they sent it to my PayPal and I ordered the PayPal card so the money can be directed straight into my PayPal card once I activated it. On XX/XX/XXXX I called PayPal to activate my account to which they said that my account was frozen and I was upset because I got no email or no phone call confirming this was gon na take place and they never gave me a reason as to why my account was frozen in the 1st place. They told me to wait 180 days which is illegal because its not a bank so they cant hold anybody money and I need help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-03
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a property in 2016 and financed through Flagstar Bank, and during this i did my property tax through an escrow as well. Flagstar Bank did not pay any of the supplemental taxes. I have a delinquent tax bill with XXXX County and I have to pay an amount of {$1400.00} on top of my tax bill to cover the penalties and other charges. I would like Flagstar to pay the penalties since this was never communicated to me and as far as I know- they still have n't made any arrangements to pay this bill.

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 2021-09-07
Company: EQUIFAX, INC.
State: OH
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 been disputing a particular account since XXXX. And since that first letter was sent, I have followed up with four more letters regarding the same account. The last letter that I sent, I requested a method of verification as within my rights according to the FCRA. I have yet to receive a response describing the method of verification. Beyond that, I have sent letters that have gone unanswered prior to this last letter as well. I feel like my request to have this account be removed is being ignored. I have stated several times in several letters that the account in question is appearing as an open account, yet it a collection/chargeoff. That is not possible and it is completely inaccurate. I have a right to have a credit report that is accurate and complete. This is a violation of my rights and are completely being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian will not correct my prior student loans off my account, some were fraud some a double posting. All over 7 years ago, some still on after 15 years ago. I used muilti lawyers firms and XXXX XXXX  to settle my account. None are even to be posted to my account. 

Experian noted in my dispute file that I have already disputed the account and they don't have to do anything else about it.. 

Federal and state illilgal. I should be able to dispute any files till it's corrected.

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 2020-11-04
Company: Experian Information Solutions Inc.
State: MS
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 am writing this due to non-compliance with XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

Months ago I addressed an account on my Experian Credit Report that had a XXXX/XXXX  XXXX account listed. This account in no way belongs to me. It is continuously hindering my ability to obtain credit and I need it removed immediately. The amount is {$400.00} and it says paid. I have attached XXXX  and XXXX  reports. Neither of the reports contain this XXXX account. Other than this negative remark on Experian I have exceptional credit. I am highly disappointed that it has not been corrected and frankly feel violated. This issue needs to be rectified Immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation