BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian does not allow me to freeze my credit report on line. XXXX XXXX and XXXX  both had simple processes to accomplish this but Experian, which allowed me to open an account, only directs me to their service which charges {$19.00} a month to lock my account. Experian has a separate page to enter data to freeze my report for free but it either errors out ( example requires a pin of 5-10 digits, when entered, it says error must be 5-10 digits ) my other option was to applet them give me a code. When I chose this option they said they could not identify me and that I would have to mail considerable information via hard copy to them. This when I was logged in just fine 5 minutes earlier using the same information on the site where I would have to pay {$19.00} per month to freeze my credit. This company is clearly making something consumers are entitled, under the law, for free so hard to get that people will pay them {$19.00} instead. Given that the process at the other two companies is simple and free it is obvious that Experians intent is to channel the consumer into their fee for service on line tool! Devious and deceptive business practice.

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 2022-04-02
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022, I received an alert from the credit reporting agencies stating that AWA has added an account to my credit reports. I never had any dealing with this company and never heard from them. 
Also, they never sent me a dunning letter and just added this alleged to my credit reports. I demand that they close this account in their office, deleted it from my credit reports, and cease and desist all collections activities including the reporting to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX 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 2017-10-25
Company: Experian Information Solutions Inc.
State: PA
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:
Affidavit of Demand by XXXX XXXX XXXX XXXX OF XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.
3. Date : XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 disputed several things on my credit report. Each time TransUnion states they " Have verified the account as mine. '' This includes a collection from XXXX. It is obvious they are not actually validating any of the items of mine. This is clear because one of the items is a collection from XXXX and they are using a collection company called XXXX. I just received a letter from XXXX stating they are unable to locate any account for me. If they have no account for me, how is TransUnion stating they have verified this as mine? Just like the other items I have disputed, they have not verified anything and have violated my rights. I have attached the paperwork from XXXX they sent me.

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 2019-03-02
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I contacted company and requested a debt validation. Was immediately met with anger and disrespect. Mrs. XXXX abruptly ended call. 
Three weeks later she contacts my son concerning this same debt. 
Failed to provide requested information in full. Wrote company again but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Lefkoff, Rubin, Gleason & Russo, P.C.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2021 middle of the pandemic. I stopped working in XXXX to move back home in XXXX. Was looking for work. In XX/XX/2021 I was involved in a XXXX XXXX and had XXXX XXXX in XXXX XXXX I let XXXX XXXX know I wasnt working, I told them I was in a car accident. They closed my account and immediately sued me. The agent basically didnt care and kept harassing me to call other family for money to pay. They did not give one XXXX  about my situation. Once they found out about my accident the expedited the process to close my account to obtain a judgment against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: BAM Management US Holdings Inc.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
The company ( Binance.us ) arbitrarily suspends the withdrawal of virtual currency asset XXXX XXXX XXXX XXXX  for prolonged duration without prior notification to the users. This suspension of withdrawal is not just specific to my account, but something that affects all users of the platform. 

I first noticed the suspension of withdrawal issue on XX/XX/2022 and emailed a customer service representative, as I could not find any information in the public domain regarding the suspension of withdrawal. I was informed by the representative, " the withdrawal suspension is due to wallet maintenance following a network upgrade, and other operations such as buying, selling and deposits of XXXX XXXX XXXX ) are operational, except for the withdrawals which would be fixed soon by developers ''. The following day, XX/XX/2022, the withdrawal service of XXXX XXXX XXXX XXXX was reopened, and the customer service representative responded that the wallet maintenance/network upgrade issues were resolved. I mentioned my disappointment about the lack of prior communication to users of these maintenance activities. 

Now, again on XX/XX/2022 and XX/XX/2022, the withdrawal of XXXX XXXX XXXX XXXX is suspended, without any form of communication. Therefore, based on my personal experience and that of other users, the suspension of withdrawal of XXXX XXXX XXXX ) seems to be a random and frequent occurrence at Binance.us under the premise of wallet maintenance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The Equifax data breach and the need to check everything to prevent theft of my information has been OVERWHELMING for me! According to Equifax 's website " Potential Impact '' my information may be impacted ( or XXXX ) might be more appropriate. I have been unable to put a fraud alert or freeze with  any of the 3 credit bureaus, as apparently no websites can handle the volume of people trying to do the same. We are all just XXXX  right?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: BAM Management US Holdings Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am a us customer, I got abruptly locked out of my Binance act. I only need access to withdraw my funds! 
I can't get submit a ticket I only get the same message from the Bot : Per our Terms of Use ( https : //www.binance.com/en/terms ), we are unable to service restricted users and regret to inform you that we have suspended our service to you.

If you still have funds in https : //Binance.com, please log in to your account, click the " reopen '' button, and withdraw all your funds within the next 72 hours, failing which your account will be locked indefinitely and offboarded.

For holding and trading crypto assets, we recommend secure crypto wallets such as XXXX XXXX, or other platforms such as https : //Binance.US. We appreciate your understanding and thank you for your support.

YET there is NO REOPEN button! I can't get passed the initial login before I am told I am denied access because I am a restricted user and that my account is permanently closed! ( see screenshot attached ) PLEASE HELP - I only need to withdraw/transfer my crypto coins

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: MoneyLion Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
After financial hardship, my loan account from Moneylion that I took out at the beginning of the pandemic went into collections. As of today, XX/XX/2022, the payoff amount is {$140.00} as reported to XXXX, but when I tried to pay the amount on the moneylion app, the loan account wasn't showing and the app wouldn't let me cancel the unused membership without paying off the loan first. 
Since I couldn't find a way to pay it in the app, I logged into the website on my browser, and the website said " Looks like we are unable to process your payment at the moment. Please login to the mobile app to make your payment there instead '' I then called customer support at ( XXXX ) XXXX, where they told me the payment amount is now {$170.00}. Although the difference is {$30.00}, this is still a lot for me, as I've had to save up to have the {$140.00} available to pay it off. The customer service representative on the phone was unwilling to tell me why the balances were different, and demanded that I pay the full {$170.00}. I was unable to come to an agreement with him, as I'm only capable of paying the {$140.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Affid
avit of Demand by XXXX XXXX XXXX XXXX  OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto.
2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.
3. Date : XX/XX/XXXX/2017 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2019-06-28
Company: PNC Bank N.A.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
I opened a new account with XXXX/XXXX XXXX earlier this month. Mistakes were made and I believe they charged my Visa account incorrectly. We have two charges, one for a valid payment on account and another unauthorized charge that XXXX will not take responsibility for. They want me to declare it as fraudulent to my bank. That would require notifying several merchants that we do business with of the new card number to be issued. I am not prepared to concede that it is fraud, but an error on XXXX 's part. 
The charge lines are for two different merchant accounts, it appears. One is XXXX OH, the other is XXXX TX. I would like contact info for each or at least the TX merchant to allow me to straighten this out, hopefully without going through closing my account and opening a new one. 
XXXX and PNC Bank customer service reps are not being as helpful as I had hoped. Can you help with this? 
Charges made XX/XX/2019 XXXX XXXX OH for XXXX ok XX/XX/2019 XXXX XXXX XXXX TX for XXXX Wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I lived in the XXXX XXXX in XXXX, Ohio for around 2 years and enjoyed it very much but communication with management was always difficult. In XXXX   of XXXX i decided to move out because i was only going to be attending the University of XXXX XXXX until the middle of XX/XX/XXXX and didn't need to sign another year lease at XXXX. I contact management and continued to move out paying my final dues. I then finished school and moved back home by XX/XX/XXXX. On XX/XX/XXXX i received a collection on my report for {$130.00} from National Credit Systems. I called and came to figure out it was for utilities in the apartment. At this point I've been moved out of the apartment for going on two and a half months and was never contacted or informed i owed on these utilities. I honestly thought the utilities would be turned off shortly after i moved out. So over time i have been thinking the best way to handle this without hurting my report. I have no problem paying the collection in full, but i am most worried about having this derogatory mark on my report. My goal here is to get the collection removed from my report so i can continue my journey in good credit and business endeavors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
At this time, I am offering a settlement to the Capital One debt purchased by XXXX XXXX XXXX, XXXX in 2018. I lost thousands of dollars from the Covid-19 shut down, and I am just getting back to work. I ask XXXX XXXX XXXX, XXXX to accept as a one-time settlement {$1700.00} of the current balance of {$4400.00}. However, I want it stipulated that I believe Capital One Bank N.A. never gave a full contractual agreement of this debt in question, and that I could with the right lawyer end up with the debt being dismissed altogether. A purchased debt agreement can not be back-dated under any circumstances, and that would be within federal restrictions under the Fair Debt Collection Practices Act. However, if I receive a verbal acceptance of my settlement offer within a reasonable time period, I will waive any rights I maintain to legally challenge the validity of the XXXX XXXX XXXX, XXXX claim. My phone number is posted in this CFPB request to monitor XXXX XXXX XXXX adherence to FCRA and FDCPA requirements on the collection of debt, and the CFPB constant research into the voluminous fraudulent activity into what the Federal Trade Commission consider XXXX debt collections. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: TRANSWORLD SYSTEMS INC
State: IL
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/XXXX I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX for an emergency. I received my bill ( {$550.00} after insurance ) in the mail, and setup a payment plan after speaking with a member of the XXXX payment staff, but I was not notified when the my auto-pay was canceled for no apparent reason after months of payments. Almost two years later ( XX/XX/XXXX ) I received a phone call stating my debt was in collections and my credit would be effected through Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. The remaining balance was {$210.00} which I paid immediate XX/XX/XXXX. 
I was not properly notified of any of the collections, and believed I was cheated and robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Several weeks ago I sent a request to have an alledged debt validated that is appearing on my credit reoorts. I have made several attempts for proof of debt but I have recieved nothing in written. I do believe ProCollect Inc is inaccurately reporting on my credit report and they are stalling. Here is the last response I have recieved on XX/XX/2017 '' The debt is updated as a disputed debt. The proof of debt has been sent to the consumer to validate the debt. ProCollect is licensed to collect in the State of Texas. The consumer can contact our office at toll free XXXX my extension is XXXX ( XXXX XXXX ) to get this matter resolved Thank you for your time and patience in this matter. '' I have yet to recieve another in writing. This is not the 1st time I have asked for proof of debt. By law this company is breaking several laws according to the FCRA.

Company response to consumer: Closed with explanation