BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted XXXXXXXX XXXX XXXXXXXX over 5 times concerning a bill sent to a third party I.Q International , Inc for {$1600.00}. I have left 2 messages with Mr. XXXX concerning this matter in which he states the Assistant manager has to go over this information. I called a 3rd time and the assistant manager answered and said she would call back to go over this invoice. This was over 3 weeks ago and still no return call after multiple messages. I called a week later and left a voicemail and no return call. I called a 5th time XX/XX/XXXX and was informed by Mr. XXXX that the assistant manager stated she would call back and I still have not received a call back. When contacting I.Q Data I was told I had to speak with XXXX XXXX XXXXXXXX because they do not know what the break down of charges are. Since then I have call them several times to try to inform them that I am getting no where with XXXX XXXX XXXXXXXX however ; I can not get anyone on the phone anymore after several attempts on different days at different time. I was informed I would get a bill sent to the forwarding address I gave before my departure and I never received this. I do not know what these charges are to total {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a fraud alert on my credit file. Someone keeps applying for credit in my name. Ive contacted the credit bureau on several occasions. I was finally able to update my phone number. So that the companies could call me to see if I applied for credit. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX-XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019, Bank of America received a mortgage payoff during a refinance process. On XX/XX/2019, Bank of Americas autopay system electronically deducted a mortgage payment from my checking account even though the loan was paid in full. I contacted bank of America that day and was told that I would be refunded the amount electronically. By XX/XX/XXXX, my money had not been received and I called customer service. I was told it would take up to 48 hours. After 48 hours I was told it would take 7-10 days for an electronic transfer that had been authorized by BoA on XX/XX/XXXX. Today is XX/XX/XXXX and the monies have not been received and do not show pending. 7-10 days for an electronic payment through the clearing house seems egregious given same day transfers occur daily between banks with services like XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Resurgent Capital Services L.P.
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:
XXXX shows XXXX XXXX XXXX XXXX as write off on my credit report and I made a agreement with the collection company to pay it off for XXXX. Both other credit agency have removed it. I have did to disputes with XXXX and gave them proof it was paid off and it still on my credit,.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Progressive Management Systems has consistently falsely reported inaccurate information to the Credit Bureaus about amounts owed to them. They stated that I owed them {$3100.00} which is incorrect, I do not owe them anything. I explained to them that this was a medical bill with XXXX XXXX Hospital, and I was unaware that my insurance did not cover the payments. 
Progressive Management Systems told me that as long as I pay them {$3100.00}, they would immediately remove the inaccurate trade by reporting to the credit bureaus immediately after payment was received. They coerce me into paying them {$3100.00} on the XX/XX/2020. I called them back two days later and they told me they will wait to update the information. After one week I called them again and they told me that I owed still owe them money and this is a collection to collect a debt. 
Progressive Management Systems lied to me and took my money out of my account. See attached letter from them. They are refusing to update the correct information to the credit bureaus. This was all a lie just to take my money in which they took from my bank account on XX/XX/2020. 
XX/XX/2020 Progressive Mgmt XXXX XXXX TEL ID : XXXX {$3100.00} I would like Progressive Management Systems to immediately do the right thing by contacting each of the credit bureaus and telling them to report the accurate information As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Progressive Management Systems infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). 
As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions Progressive Management Systems and XXXX XXXX Hospital is having on my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX I opened a secured card with capital one. The main reason I opened the card was to improve my credit score and capital one advertised that with the time they would graduate my card from a secured to an unsecured card. I have made every payment on time with one exception due to a family emergency which I called and explained back in XXXX. Ive called several times concerning graduating to a unsecured card and each time I was told something different first I was told in XXXX that they would look into graduating my card in XXXX I was instructed to call back at that time The next time I was told that the program for graduating happen suspended The final time I was told that I would be graduating upon a review of my credit record. This has never happened I have seen two friends and family members where they have graduated their card to an unsecured in one instance it took 10 years. If I close the account it will be damaging to my credit score I have tried to apply for another capital one card and was told that because I have two cards with capital one I did not qualify for third so I cant apply for unsecured and they will not make my card unsecure or will they increase my credit limit. It has been three years now and I am still stuck with the same credit limit with no information or opportunity to increase my credit limit or have an unsecured card. When I tried to call and inquire about this Ive been misinformed Capital one falsely advertised the opportunity to improve my credit and unsecure my card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Affiliated Creditors, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I check my credit score about 3 times a year. 
After checking my score this tax season, I noticed that my intuit " mint '' account shows a new account open under my name that I did not open. Below is how it shows under my open account details. 

**I have never heard of this company or made any payments to them. This is not an account that I opened nor have I opened any new accounts. I am afraid this is fraud. 


Company : " AFFILIATED '' Account type : Installment Sales Contract Opened : XXXX XXXX, 2017 Status : Open Limit : {$0.00} Term Monthly ( due every month ) Monthly payment {$27.00} Responsibility : Individual Account Balance : {$160.00} Highest balance : {$320.00} Payment status : Pays account as agreed Worst payment status - Date of last payment - Amount past due $ XXXX Times 30/60/90 dates late 0/0/0 Remarks - PAYMENT HISTORY **Currently shows that I have made payments for XXXX, XXXX, XXXX XXXX, XXXX XXXX am 100 % certain that I did not open this account and have no connection to it. 
Looking at my credit history/ payments, I have never made a late payment and am very aware of all outstanding debts. 
I currently do not have any credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I disputed the fraudulent information with the credit agencies. I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services described in this report. The credit agencies, refused to remove the fraudulent items after submitting ; FTC report, Police report, credit report, proof of ID and credit report with fraudulent items circled. 


Listed Fraudulent Items below : Account : Account Number : 1. XXXX XXXX XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX 4. XXXX / XXXX  XXXX 5. XXXX XXXX DEALER XXXX Wrong Addresses : 1. XXXX XXXX XXXX, XXXX CA XXXX 2. XXXX XXXX XXXX XXXX, XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with XXXX XXXX on XX/XX/XXXX. I deposited the amount required and then deposited more money. On XX/XX/XXXX it seems a letter was sent to me telling me that I have closed my account without any reason provided. 

I called customer service and spoke to a " supervisor '' named XXXX XXXX who told me that they " did not have to provide a reason '' and could close my " account at anytime without notice or reason. '' This bank should be shut down. 

They are a public bank and provided you have not breached a term of the agreement for opening an account, they should not have the option to randomly close your account to avoid paying you the bonus that they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX the original transaction was made ( {$400.00} scheduled to send to XXXX ). On XX/XX/2018 this transaction was cancelled by me. At that time money was not withdrawn from my account and the same info was provided under my account on MoneyGram website.

Unfortunately, money was withdrawn from the account but never sent to XXXX. 
I made a few attempts to receive money back by contacting this company via email, chat or phone call. 

Here is the fact. MoneyGram doesnt email finished chats to their customers saying that they are staying on customers account and only MoneyGram employees could see them. 
Chats : During those chats ( had at least five ) first, I was told to wait for 10 business days to get money back. Then I was told a few times money get back to the account in three business days. 
Once, I was told it was my bank mistake. Checked with XXXX too. 
I was able to copy only one chat. Other ones were closed so fast at the end that I couldnt do it. 

Emails : Company says that those issues can not be solved over email and provide the phone number. 

Phone calls : I was told to wait for three business days ( again ). Was not allowed to talk to a supervisor. 

On XX/XX/XXXX after another unsuccessful attempt to solve the issue I made screenshots of my transactions from my MoneyGram account ( original one and about transaction cancelled ). 

On XX/XX/XXXX I tried to login to my MoneyGram account and was not able to do so. My account was deleted by MoneyGram. I looked online and found other peoples similar complaints about dealing with MoneyGram fraud and their account being closed by MoneyGram. Also found some info about lawsuits against MoneyGram.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: TX
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 recently received an answer to a dispute which state that the accounts XXXX XXXX : XXXX, XXXX XXXX BANK CAR : XXXX, XXXX XXXX BANK : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX : XXXX, XXXX XXXX BANK CAR : XXXX, XXXX XXXX BANK : XXXX and XXXX XXXX XXXX XXXX  : XXXX. 
This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I 've had an account on Coinbase / XXXX for about a year now. 83 days ago, they restricted access to my account. Locking in it XXXX Litecoin ( cryptocurrency ). 

I submitted a help ticket to Coinbase and XXXX immediately after receiving the notice. Its now been almost 3 months of back and forth emails ( mostly automated responses ), without any ability to tell me why my account is restricted. Responses can take typically more than a week to receive from them. It has been 2 weeks since the last response. I 'm not sure what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a compliant with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 50 days so they should be deleted promptly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: First Data Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from TeleCheck Services , Inc. No name attached, only address. Stated billing. XX/XX/XXXX through XX/XX/2019, total amount owed {$430.00} addressed to XXXX XXXX XXXX. 
Prior resident of this address has been deceased for almost 2 years. Current resident unaware of this company or any charges. Attempted to call TeleCheck services was asked for checking account number, routing number, date of birth, billing ZIP Code before any further information could be provided. When asked to speak to a manager, was sent to a generic voicemail.

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 2021-12-02
Company: EQUIFAX, INC.
State: IL
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:
Hi XXXX has a 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 710XXXX XXXX has me at a score around 592. 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 XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Bluebird American Express denied my fraud claim. There are six transactions totaling {$2900.00}. The transactions are as follow : Store Purchase XXXX*XXXX XXXX {$310.00} XX/XX/19 Store Purchase XXXX*XXXX XXXX {$620.00} XX/XX/19 Store Purchase XXXX*XXXX XXXX {$620.00} XX/XX/19 Store Purchase XXXX*XXXX. XXXX {$510.00} XX/XX/19 Store Purchase XXXX. XXXX {$510.00} XX/XX/19 Store Purchase XXXX. XXXX {$310.00} XX/XX/19 all from XXXX. 

I have called many times to Bluebird fraud department and asked for information about why my dispute was denied but they say they can't answer those questions over the phone. I have mailed them a letter to Bluebird Customer Care at XXXX. XXXX XXXX XXXX, GA XXXX for an explanation of why my dispute was declined and I still haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
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 status incorrect

Complaint:
There a bunch of collection accounts showing on my report and severely damaging my credit score. The damage is causing major issues with my financial life and literally costing me more. Due to this incorrect reporting ; we have been unable to buy a home, we have been passed over on renting a home, and we are paying more each month for car payments and insurance. According to each collection agency, all accounts need to be deleted from my credit report. I am including the names and confirmation numbers for each acct.

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 2021-06-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation