BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: Financial Corporation of America
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX- ID XXXX {$60.00} Debt was paid to XXXX by my primary and secondary insurances. XXXX XXXX XXXX XXXX of Illinois and XXXX of Illinois.
XX/XX/XXXX- ID XXXX {$60.00}. XXXX did not bill XXXX of Illinois XX/XX/XXXX-ID XXXX  {$62.00} XXXX did not bill XXXX of Illinois.
<P/>
On XX/XX/XXXXI called XXXX and spoke with XXXX, case number XXXX, and she said all the payments were finalized and there are no debts on my account.
<P/>
I have received no further communication from XXXX. Recently, I ran a credit report and then was notified that I was turn into collections for the XX/XX/XXXX and XX/XX/XXXX bills. I have called XXXX and spoke with XXXX XXXX at XXXX to attempt to resolve this issue. XXXX XXXX. told me that this is my issue and the debt must be paid through the collection agency Financial Corporation of America Corp. I called Financial Corp. of America Corp at XXXX. I spoke with XXXX XXXX. XXXX XXXX. refused to give me any ID number and refused give me the regulatory agency to file the dispute of this debt. XXXX XXXX. did confirm that I claim to dispute this debt and that she would write this in the file.
I mailed the dispute letter to Financial Corp of America Corp by certified mail XX/XX/XXXX.
<P/>
I would appreciate this debt being removed from my credit report.
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 2021-02-12
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XXXX I purchased options contracts for XXXX and XXXX to expire XX/XX/19. 

On XXXX I changed my phone number and on XXXX I contacted a Robinhood because I could not get into my account. The two factor authentication was set up with my old phone number and they only allow you to contact them to update the phone number. 

I sent them an email to their customer support at XXXX XXXX  and other emails until XXXX XXXX  that day. I received an automated email to send back a photo of my drivers license and other information and immediately complied and sent the information. 

It is now Friday and I am still unable to get into my account. I wanted to sell my options contracts this week and could not due to their lack of response. I have lost my funds because of this. 

I also can not access my 1099 because it is within my account for me to file my taxes. 

I am beyond stressed due to their lack of response please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
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:
This is my sixth attempt contacting the credit bureaus they have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. I have filed reports with my local police department, FTC, State Attorney General, and the CFPB. This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my son and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: American Coradius International LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter from a company called XXXX who is collecting on behalf of XXXX XXXX XXXX. I called them to discuss the account. I asked them to not call me going forward and to only communicate by mail. 
Since that conversation on XX/XX/XXXX I have received multiple calls from local numbers ( north carolina ) as if they are local and in the area but its actually them. I received a 3rd call from XXXX again today from a XXXX area code which is local to me but the extremely rude women was from Colorado and said that on the call. She wanted me to confirm my personal information before explaining why she was calling and who she was calling on behalf of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is a follow-up to the pervious claim submitted, complaint ID XXXX. To summarize the previous claim : I was scammed by a perpetrator on XXXX XXXX and lost {$2000.00}. Money transfer was made through XXXX ( Chase Bank ) and I had notified both Chase and local police department about the fraud on the same night ( XXXX ). Chase representative was uncooperative to attempt to resolve the matter, even when I had presented critical clues to potentially solve the case ( perpetrator 's alleged Chase bank information ) and visited in person. In fact, the representative immediately closed the case and complaint without my knowing. 

Chase Executive Office responded back to the previous claim, but without appropriately addressing the main issue -- uncooperative/unsupportive treatment by Chase representative XXXX I called the Executive office phone number listed under the response letter. I was notified that the officer in charge is out of office, so left a voicemail that I'd like to discuss the response when available ( XX/XX/2022 ). I got no call back after waiting for a week. I called again, notified that the officer is out of office, and left a same voicemail ( XX/XX/2022 ). I haven't heard back from them. This is not how a customer should be treated in such a serious situation ; being ignored, not taken seriously, only given a cursory response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice from Phoenix Financial Services about a medical debt they said I owed. 

I sent a letter asking for a itemization detail of the original debt and never received it. 

They placed the debt on my credit report. 

When I called to ask them to remove they said it was ordered but never received by the original debtor debt and they refused to remove it from my credit report unless I paid the bill. I asked if this was legal and was told yes unless I pay the bill. 

I would like my XXXX back until I can receive proof of debt. 

Was told they will order it but it will take two weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXXat XXXX XXXX The company received a certified letter I sent requesting validation for the debt they claimed I owed them. I have no contract with this company. I have sent them a second certified letter claiming I 'd like validationfor the debt they claim I owe. It 's been 30 days since I sent the letters and my credit reports have no been marked as disputed. I have not heard a peep from these individuals. I 'm requesting per fair credit reporting act that these companies be held liable for no following the laws of debt. I have copies of my credit reports and the company did not mark the item as disputed. This company has n't not tried to validate the debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never opened a Best Buy Citibank Visa card. Ive never had one! Never had one associated with the address on the statement that was sent to me and had no knowledge of this card until I checked my credit report. I had several other accounts that were fraudulent and the credit card companies cooperated and knew they were fraudulent and worked with me. Citibank did nothing to help and has sued me. They now have a judgement against me in XXXX XXXX Fl for the amount of {$1400.00} plus court fees in the amount of {$240.00}, with interest at the rate of 4.25 %. It was done and ordered XXXX XX/XX/2022 without my knowledge. Law office is XXXX, XXXX, & XXXX out of XXXX, Fl. No one talks to me and I get hung up on when I try to 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 2019-07-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXXk In XX/XX/XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX XXXX did not have any assistance programs in place so I continued to make the monthly payment. In XX/XX/XXXX I again contacted XXXX XXXX Customer Service at which time they offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. 

When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XX/XX/XXXX and XX/XX/XXXX when these same charges were being improperly assessed. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX   in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and Equinox to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
GoldmanSachs increased the XXXX on my credit card retroactively back to XXXX and notified me of this change on XXXX. They increased the interest rate on my card by .25 % and did not notify me of this change prior to this taking place. I was not able to make correct financial decisions due to GoldmanSachs not properly notifying me of a change in my interest until after the change took effect. Had I known that my rates were going to go up I would not have made certain purchases. I spoke with a manager on the phone who informed me that the bank is not responsible for notifying customers of XXXX changes on their cards. And indicated that the federal government notified the public of these changes on XX/XX/16 and that I should be watching the news. I explained that it is the bank that needs to notify customers of their changes prior to them taking effect. As I was not notified of these changes I now have a larger fee due to the bank 's choice not to tell me about upcoming changes. The manager informed me that GoldmanSachs has the ability to change interest rates and not notify customers of those changes. Which I find incredibly scary. It is unethical and financially abusive. I am incredibly upset with the way that I am being treated and lied to by the manager I spoke too as well as the bank as a whole. I am attaching a copy of the letter received by the bank AFTER the changes went into effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: EQUIFAX, INC.
State: OH
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:
XXXX Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX   XXXX XXXX XX/XX/XXXX 11 ) XXXX  XX/XX/XXXX Equifax Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 )  XXXX XXXX XXXX  XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX   XX/XX/XXXX 6 ) XXXX XXXX   XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX  XXXX, XXXX. XX/XX/XXXX 11 ) XXXX XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquiries ; 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XX/XX/XXXX 8 ) XXXX XX/XX/XXXX 9 ) XXXX XX/XX/XXXX I have contacted each of these companies. Was informed by each that I needed to talk to credit bureau 's about removal. Sent letters to each of the 3 bureau 's by certified mail. To date nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is illegally reporting a more recent status date of XX/XX/XXXX on a XXXX phone bill debt from XX/XX/XXXX to XXXX and XXXX. The debt is past the statute of limitations for collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/XXXX, After i had fallen behind on my load payments due to a hardship suffered in my family. I tried make arrangements with XXXX XXXX concerning my account but they were unable to help me.on XX/XX/XXXX, I sent XXXX XXXX a letter that the information that they listed on my account was disputed. Nothing was received back from them. 
I enlisted XXXX XXXX XXXX to help me settle my account. They were able to negotiate a settlement for my account and after 12 successful payments to XXXX XXXX thru XXXX XXXX XXXX the account was settled/resolved and paid off on 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 explanation
Consumer complaint received 2022-04-07
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:
Over the past few months, I've been having a lot of fraudulent activity going on with my credit reports for all three credit bureaus. I would have numerous amounts of inquires pop up on my account that I never gave authorization for. This activity started from XX/XX/XXXX up until XX/XX/XXXX. I've called all of these companies numerous amounts of times to investigate and get them to remove the accounts, but they tell me to dispute it with my credit bureaus. I've also gone back and forth with all XXXX credit XXXX, sending multiple letters and got no where.

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 2022-04-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Told to dispute my credit Wrong escrow analysis which caused my mortgage to be late. 
Made over payments for several years Arbitrarily raised my mortgage payment XXXX XXXX told me to dispute my credit report, adjusted mortgage back to original payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I just recently reviewed my credit report and it generated this debt collector as someone that I owed money to. I have never done business with or signed a contract with this company. I found that several aspects of the report are actually inaccurate.According to the Fair Credit Reporting Act, 15 U.S.C 1681g I have the right to request that this company disclose all of the documents that they have retained in my credit file pertaining to the items listed below that they have under my social security number. Please do not allow them respond by saying that these accounts have been verified without sending me the information used to verify the accounts. This information is inaccurate and need to be investigated. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. Please provide me with the below mention listed things : The amount I.C. Systems claim I owe Explain and show me how they have computed the amount Send me copies of any documents that prove I agreed to pay the alleged amount Identify the original creditor Confirm that the account has not crossed the SOL period Prove that youre a licensed debt collector Show me your license number and registered agent Show that you are allowed to collect within my state Once again, this by law this creditor must have ALL verification documents already in their possession upon receipt of this letter, otherwise these in absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you under my Social Security number. I would like to inform you that in case your agency reported invalidated account information to any of the 3 main Credit Bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws.

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 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have Disputed incorrect and illegal reporting of account info, balances and statuson my credit report on my OPEN Bankrupcty case with the creditor XXXX XXXX twice to no avail with Transunion and XXXX on debt that is currently included in my Chapter XXXX Bankrupcty case # XXXX with a file date of XXXX. Both bureaus refuse to remove and debtor is still currently reporting late/missed payments and increasing balance monthly with an Open status which is clearly a violation of the U. S. Bankrupcty Code. DELETE

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 2017-10-02
Company: M&T BANK CORPORATION
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Daughter was about 4 months behind on her home mortgage payment. 
When I found out about it. I contacted her mortgage bank. I inquired as to the amount required to bring the loan back to current status. 
The Bank XXXX M & T Bank Correspondence Address :  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The amount on the statement was XXXX $ mailed to her. 
Talking to a XXXX XXXX from M & T Bank. He told the actual amount needed to bring the the mortgage back to current was XXXX XXXX This amount includes 4 months of back payments, plus the next month payment of XXXX $ for XXXX of XXXX. 
So I payed XXXX on XXXX XXXX XXXX by Electronic Bank to bank transfer directly from my checking account. 
Each monthly payment is XXXX XXXX 

Either Friday XXXX XXXX or Sat. XXXX XXXX my daughter gets another Mortgage statement from M & T Bank. It states she owes one back payment plus the payment for XXXX. This is not correct, because the amount to bring it to current status was already paid in full. Days earlier.

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 2022-04-07
Company: EQUIFAX, INC.
State: NC
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:
My credit information including ssn # and address and dob were obtained fraudulently and was used to obtain XXXX XXXX and personal bank info and loans. is is even with me having a fraud alert on my credit report. 

XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$510.00} XXXX {$1000.00}

Company response to consumer: Closed with explanation