BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I provided written notice to Portfolio Recovery Associates, LLC initially on XX/XX/XXXX, via certified letter disputing the validity of the debt owed. I further requested that Portfolio Recovery Associates, provide validation of competence evidence bearing my signature. The company signed for that notice on XX/XX/XXXX. Thereafter, I received a summarized statement from PRA alleging that I owed {$5900.00}, on XX/XX/XXXX. 

I responded on XX/XX/XXXX again asking for evidence bearing my signature. On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates, again summarizing this alleged debt. The document provided was not from the Original debtor nor did PRA provide any tangible documentation bearing my signature. 

XXXX XXXX dissolved EFFECTIVE XX/XX/XXXX. With this knowledge, I question the veracity of how PRA obtained validation, competent evidence that this debt is in fact legitimate, WITHOUT my signature. 

I verified via XXXX Credit Bureau that Portfolio Recovery Associates, made a dispute statement under my name confirming that they completed an investigation of my dispute and further stated that I disputed this matter. 

I am therefore escalating my complaint requesting assistance to have this debt removed from all three of the credit reporting agencies. 

It is now my belief that Portfolio Recovery Associates, LLC is willfully acting in bad faith given their refusal to provide the requested information. 

Please be advised, as per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I asked twice for a document bearing my signature to be provided, in addition to proof of how this information was verified without my signature. 

I am therefore requesting that the debt reported by Portfolio Recovery Associates, be removed from my Credit Reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XX/XX/XXXXXXXX XXXX XXXX my all three of my square accounts were frozen and deactivated. Which caused my funds to be frozen and unable to transfer out. When I called they said I would have to wait no more than 180 days for the investigation to complete to move my funds out. They never released my funds nor sent questions asking for documentation about my transactions. I emailed several times with an automated generic response saying I my account was deactivated and to see terms and conditions which states nothing about my situation and then I called several times until I no longer had access to their customer service since my accounts had been deactivated. I had spoken to XXXX different people at the square company and they said to look and respond to the investigations email and to make sure I sent In any documents they were asking for about my business and I never received those emails. Its been well over the 180 days and I want my money from all XXXX of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Over 1 year ago and 30 days ago, I sent a letter. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX account # XXXX they have been reporting on XXXX  and Transunion that I have an account with them that was charged off. I have never owned or asked for any loan with this company. I have repeatedly asked for XXXX and Transunion to remove it and it comes back as verified as accurate, which is not. I also sent them a letter, but they never responded.

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 2019-11-26
Company: Touchstone Partners, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Debt Negotiation Services a debt settlement company located in Florida refused to promptly refund the money I had in savings. DNS had placed the money in an account at XXXX XXXX XXXX  believed to be owned by just me. However, when I tried to get the money refunded the bank told me DNS owns and controls the money and they are the only ones who can authorize the refund. DNS threatened for it to take at least 30 days and up to 6 months before they would authorize the refund. A friend of mine has assisted me in getting this story out to the public. My complete story including supporting documents, recorded phone calls, and the results of a report published by XXXX XXXX at XXXX   can all be found using this link https : XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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: Reporting company used your report improperly

Complaint:
I have relentlessly tried to fix this issue and for some Ive yet to get a response another response is that theyre unable to find an account for me due to recently obtaining a SSN etc.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX List of above accounts has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-06-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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/2021 I sent a letter to Account Resolution Services requesting that they validate the debt in question and they failed to validate the debt they simply sent me an account summary on their letter head. On XX/XX/2021 I sent them a letter notifying them that the information provided does not substantiate that the debt belongs to me. I asked them for specific information about this debt and the failed to furnish the information and continue to report on my credit without doing an actual investigation of this debt.

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 2022-08-15
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion Credit Reporting Bureau I am in disagreement with the items listed below which still appear on my credit report, even after notification. I would like these inquiries reinvestigated. The inaccuracies are highly injurious to my credit rating. Furthermore, in accordance with the Fair credit reporting act, Public law 91-506, Title VI, Section 611, Subsequent A-D, please provide the names and business addresses of each individual with whom you verified the inquiries below, so that I may follow up. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please forward an updated credit report after you have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

Best Regards, 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 2018-12-18
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property sustained damages during Hurricane Irma in XX/XX/XXXX. XXXX   XXXX XXXX XXXX finally paid the claim in XX/XX/XXXX. Ditech received the endorsed check on XX/XX/XXXX, per overnight courier. That check was in the total amount of {$120000.00}. There was a previous amount in the escrow of {$19000.00}. That was paid on XX/XX/XXXX. They sent a check in the amount of {$2100.00}, on XX/XX/XXXX Today XX/XX/XXXX, they have not released any other funds, in spite they have had all the paperwork uploaded to their website as directed. The payment included roof replacement and other repairs to the structure of my property, however, there are payments included that are not related to the repairs of the home, like pack out, move, personal property etc. Those funds should have been disbursed to me immediately as they have nothing to do with the actual repairs, and it is my money that they are floating. It is beyond abusive. It is illegal. 

In the website under my account, the escrow, shows all the deposits, but a XXXX balance. Needless to say, I am very concerned. Ditech came out of Chapter XXXX in XX/XX/XXXX, and was delisted from XXXX on XX/XX/XXXX. I have no protection whatsoever on my money, which they are holding illegally. 

Every time I talk to them the result is the same ... .they take 14 days to process, etc. I am frustrated and angry. I have a perfect payment history with these people. They are not a bank, the mortgage is actually owned by XXXX XXXX, they only service the account and that does not or should not give them the right to hold unto any monies whatsoever. This has to change, as I know I am not the only one in this situation. Perhaps we need a class action law suit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: National Credit Adjusters, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a consumer. There is not a third party representing me. National Credit Adjust inserted this debt on my credit file without ANY notification or communication to me that this debt belongs to me which is a violation of FDCPA code**** section****I DO NOT owe this debt and this company National Credit Adjust has failed to produce any evidence that I am the rightful owner of this debt with them. As an added measure, I have sent proof to this company that I am the victim of fraud and they have ignored my request to delete this information and discontinue reporting to the credit bureaus. This company has used stall tactics by sending documents that I did not ask for. I have asked National Credit Adjust to provide documentation of any information AND a contract with their name containing my original signature with them that I have signed. Additionally, I noticed that the date on the statement sent is from XXXX. This company is reporting that the date of the debt began XXXX of XXXX! The company has received my burden of proof ( attached ) and refuses to produce any evident documentation that I am the owner of this debt with them. These stalls and tactics are impacting and harming my life and the lives of my children and loved ones. As a citizen I would expect the very least and as a veteran I would expect some form of adherence to the laws which I have helped fight for in this country. I am once again demanding that this company immediately delete this information on this debt that I do not owe and discontinue reporting to the credit bureaus as it is not mine.I do not owe them and they are in several violations of the FDCPA. I demand that this company cease all collection of stated debt and report deletion from my credit profile to XXXX, XXXX and XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a Checking 's account With citizens and waited for my card to come in the mail for about a week and a half. When i finally received it i called and activated it, it said it was successful. However when i went to use it I got declined so i called customer service they told me they fixed t and my card should work. so i head back to the store,  Again declined. so again i call customer service they said i never activated my card i told them i did twice now and they said no problem and the card should work not. So now for the third time i head to the store, the only difference this time was when my card got declined the cashier told me t came up expired. so now again calling customer service i asked to speak with a supervisor and after being on hold for 43 minutes i got someone saying all the supervisors were busy and that she could help me. She explained that the mailed out the card had then ordered a replacement card. I asked why they ordered a replacement card they could n't tell me why. Then told me it would go to my new address ( which i had to call 4 times just to get them to change before actually having to go in the branch for them to actually do it ) it did not in fac t it went to an address i never lived at coincidentally it was a friends house thank  XXXX  for that or someone else would have had my bank information. but even worse is now that i finally got my new card after a months wait i go to use it and guess what. You 're right DECLINED. so now I 'm getting late fees because citizens screwed up and wont let me access my money!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Lowe 's has been mishandling my deferred interest payments every month since XX/XX/XXXX. Every time I call to have the payments allocated. I leave the call feeling that it is correct, but when I receive my statement it is not. I called and spoke with a supervisor named XXXX. We were supposed to go over the statements and address the misallocation of funds last XXXX  XX/XX/XXXX. She told me to call this number XXXX and stated that XXXX was her personal extension and we could review and correct. I called and I was told that XXXX would call me back within 2 to 3 hrs because she was in a meeting. Until this time, I have not received a return call from her regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my credit report, I noticed there were late payments still showing on my credit report. These are old 30 day lates. I had contacted the companies at the time this occurred and they informed me that due to my excellent relationship with them, that the late payment would be taken off of my account. This did not occur as I now see that these lates are still showing on my credit report. I reached out to the companies again, but have had no response. I've attached a copy of the letters that were sent to the agencies but have now addressed them to each of the credit bureaus. 

I also am disputing hard inquiries across all three bureaus. The inquiries I'm disputing are during the time I was purchasing a vehicle, but there are several other institutions listed on my report that did not secure my loan. I need all of those removed please. I did call each of the bureaus to get those removed but they did not remove them.

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 2022-10-22
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:
XXXX XXXX XXXX XXXX  This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. Between all 3 credit bureaus, the information is inaccurate. There are 2 different high balances reporting, 2 different open dates, missing closed dates on a collection account, 3 different last payment dates. These are all violations under the FCRA, please delete this account. 

XXXX XXXX XXXX XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. Between all 3 bureaus, there are 3 different high balance dates, 3 different dates of last activity, 2 different open dates, 2 bureaus are missing a closed date on a collection account. These are all violations under the FCRA, please delete this account. 

XXXX XXXX XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. There are 2 different high balances between the credit bureaus, 3 different dates of last activity, 2 different open dates, missing closed dates, 2 different last payment dates. 

Also, XXXX sold the debt to XXXX XXXX XXXX who is reporting the same exact inaccurate information. All of this is a violation and needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is the second time that I am filing a complaint against Bank of America. I have been a customer for over 20 years and again, as has been the common occurrence in recent months, I deposited a {$9000.00} check and only after it was deposited was I told that it would be held. The unfortunate thing is that I watched a man in front of me walk in and cash a {$12000.00} check and walk out with cash in a matter of minutes. I go to the teller right behind him and deposit my check and am told after it was deposited that I would have to wait to have access to ANY of the funds. What is different about the gentleman before me and me? I have been a customer for 20 years. I maintain over {$6000.00} a month in direct deposits. This is becoming a serious issue for me. I previously filed a complaint when I deposited a check and had to wait about 2 weeks for availability of the check. This is excessive and I feel arbitrary.

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