BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: SC
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 submitted Certified mailing to Equifax on disputing a Bankruptcy, collections, and inquires, and closed accounts but. I disputed Bankruptcy with XXXX and they removed it from my credit report but Equifax stated that this has been verified but they have not shown me proof on how this was verified along with collections and inquiries. I am constantly getting the same message that these accounts have been verified with any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, As I was looking at my XXXX Credit report, I found that Southwest Credit Systems was listed. I had never heard of this company and did not know why it was on my credit report. It was sometime that I realized that it was a collection agency I guess hired to collect on a old XXXX XXXX bill. It was then that I realized that I had already paid this old bill off directly to XXXX XXXX and that is why I was able to renew internet services from XXXX XXXX, which is not XXXX. I had NEVER received anything from this company and do not understand why thy are being allowed to place this old and already paid collection on my credit file. I have never had any dealings with this company. 

Back in XXXX I submitted a debt validation to XXXX and several additional times over the course of the last few months have requested verification of any dealing with this company. as stated before, I had already paid this bill Directly to XXXX XXXX. This company continues to have this on my record even though they are fully aware I ahve had not contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Commonwealth Financial Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Commonwealth Finance Opened XX/XX/2019 + {$1800.00} Original creditor : XXXX XXXX XXXX XXXX. I'm a XXXX veteran and my health care is paid by Va. this fee that's being charged on my credit was for hospital services in which everyone else involved got paid. The hospital was paid and other specialist. They didn't bill Va in timely manner or correctly that's why they weren't paid. Instead of dealing with the Va they waited several years later and put on my credit report. I was told this happens to veterans all the time and was illegal. I've called several times and was given the run around even had VA to contact them. The have damaged my credit and have yet to provide me with the invoice to what the charges are and as I stated earlier it's against the law to bill veterans for a Va covered service especially years later. One rep told me she could see the Va billing info on  form but it was scratched out that's the reason they put it on my credit report without notifying me. I don't thinks that's how it should have been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Paypal Holdings, Inc
State: TX
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 have XXXX in my XXXX account and they are telling me I have unpaid transactions which is n't true cause my bank paid them and my receiver which is my brother did n't receive the funds so XXXX is telling me they are holding my funds for loss on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There are 2 public records from Wisconsin Child Support reporting to all 3 credit reports as paid. Under the new law as of XX/XX/XXXX paid judgements, tax liens and public records are to be removed. Docket # XXXX was paid in XX/XX/XXXX. Docket # XXXX was paid in XX/XX/XXXX. I disputed with Equifax and XXXX XXXX to update these items has paid. Please remove these public records from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Experian Information Solutions Inc.
State: GA
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 was a victim of identity theft due to a data breach with XXXX in XXXX. My personal information was compromised causing the following fraudulent accounts to be established in my name : 1. XXXX XXXX   XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX   XXXX In addition the following inquiries are fraudulent on my credit file due to identity theft breach. 

XXXX/XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX I have attached my necessary law enforcement documents. Please have fraudulent items removes from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last XX/XX/XXXX, I sent this company a notice to this company to let them know that I am sending them a restrictive endorsement check. This company received the said letter last XX/XX/XXXX. They responded last XX/XX/XXXX but in their response, there is no mention of anything with regards to the notice they 've received. Last XX/XX/XXXX, as shown on the attached certified mail receipt, they received another letter from my enclosed is a check to pay the balance they are collecting. At the back of the check states the condition required for them to be able to cash the check. The condition is that, check can only cashed if the derogatory information will be deleted by this company. This company then cashed the check last XX/XX/XXXX. Even up to know XXXX has not removed the negative item from my credit report breaching our agreement. I have my XXXX ready to be filed as shown in the attached documents if with the third and final request, XXXX will not comply to the agreement the entered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX WHO IS A DEBT BUYER IS REPORTING A ALLEGED DEBT THAT I DO NOT OWE THEM, I HAVE NO CONTRACT EXIST THAT I OWED SUCH ALLEGED DEBT. THIS INACCURATE REPORTING IN MY CONSUMER CREDIT REPORT HAS HARMED AND DENIED ME FROM OBTAINING CREDIT AND PREFERRED RENTAL UNIT. 
XXXX XXXX XXXX works with its affiliate, XXXX XXXX XXXX ( XXXX ), to service accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with Specialized Loan Servicing and the website I have always used to log in and schedule mortgage payments is https : //cmc.servicingloans.com/. 

Almost two weeks ago, the website stopped working. Sometimes the home page works and I can even go through the login process, but once my password is input and I click submit, it fails every time, and there's no information as to why. I have tried on my phone, internet explorer, chrome, on my company 's wifi and my home wifi. Nothing works and there is absolutely no information out there as to why. 

I do plan on attempting to find a contact number for this company on my work from home day this Friday. To date I have only managed to get someone to communicate to me through twitter, sadly. And I got the old promise someone would be in touch. No one has. 

I'm writing to you here today because I have been unable to schedule my next mortgage payment which is due on XXXX. Doing so over the phone requires a fee which I will not do since this is outside of my control. This is not the first time I have had issues with this company so I'm raising the alarm bells early. Prior to a refinance, they had my old mortgage, failed to pay my property taxes which resulted in a late fee that I ended up paying for. I was very unimpressed with everyone I spoke to trying to get that resolved. I was very disappointed when my new mortgage got sold to them. 

This problem, however, is by far worse. I am basically being blocked from paying my mortgage without incurring an additional processing fee, and that is not acceptable. I don't know what's going on, but I want it resolved before I am in a position where I am late on my mortgage payment. I have grave concerns about the fact I have to rely on them to continue to pay down my mortgage.

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 2019-05-06
Company: Equitable Acceptance Corp
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I believe XX/XX/2017 I started paying {$XXXX} monthly to this company for student loans which was supposed to be a public safety loan forgiveness program since I am in public safety. I have been over 2 years now which adds up just over {$1000.00}. I have been trying to straighten out my student loans and come to realize this company is fraud. I also see several other people have complaints against this company as well. I found this company through a family friend who thought it was credible. I notified my bank to not allow them to take anymore money out of my account from this point forward. I still have emails and text messages from them since day 1. I was advised to just cut ties with them and not attempt to call them when I was talking to XXXX and they also said that this company had an incorrect and low income amount for me and that I had a household of 2 which is also incorrect. They just emailed me to re-certify again through them which led me to cancel them. Just about all contact with them were via email. I am not sure what to do now and I hope this complain will resolve things with this fraud. I would hope to get some money back that I assume is just lost now but any help will be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Checking or savings account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX paid off but bank still collecting on it. Payments sent via email and mail to bank to proof payments for every month and correction has yet to be done. Credit report is showing 2 late payments that were covered and paid off completely, reducing FICO by XXXX. This is the second time the bank makes this mistake but this time they wont fix it and return the extra money paid effecting my credit- it has been over 30 days since they first mark and dispute.

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 2017-07-30
Company: Systematic National Collection, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Systematic National is not licensed to collect in my state of Utah. This is reporting on my credit and they are trying to collect this debt from me in Utah ... Even though they have not sent me validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
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:
Hi, my purse was stolen from me in 2015, I called all three credit bureau to report my purse was stolen and that i need to add fraud alert on my social security. All three said they will added and if someone tries to run your credit you will be notify by phone. Which Transunion fail to put my phone number on file for the creditor can reach out to me. I have about three creditor that ran my social security 7 times in one months. And transunion refuse to removed them off my credit reports i have been dealing with this for about two weeks and no help. 
from transunion but the other two credit bureau removed 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 explanation
Consumer complaint received 2017-07-30
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have XXXX XXXX on Coinbase, and their vault walelts stopped working before the XXXX Cash fork. I am now unable to collect a potential $ XXXX because of their bug not sending and email! I may never see .y coins again because their support is non existent!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Paypal Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, at XXXX PM I received a text with a security code. I did not request this security code and it expired in 10 minutes. 

On XX/XX/2022, I received the following email : XXXX XXXX - Your XXXX account statement is available. 
View Online PayPal Your XXXX account statement is available. 
Hi XXXX XXXX, Access your account statements quickly and easily. Log in to your account and select the monthly statement you'd like to view. 

View Statement Forgot your email or password? Recover them here Explore the new PayPal App Learn more XXXX XXXX XXXX Download on the XXXX XXXX Get it on XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXXXXXX XXXX XXXXXXXX are trademarks of XXXX XXXX XXXX 
XXXX and the XXXX logo are trademarks of XXXX XXXX, registered in the U.S. and other countries. XXXX XXXX is a service mark of XXXX XXXX, registered in the U.S. and other countries. 
Please do not reply to this email. We are unable to respond to inquiries sent to this address. For immediate answers to your questions, visit our Help Center by clicking " Help '' located on any PayPal page or email. 

PayPal , Inc. is Licensed as a Money Transmitter by the New York State Department of Financial Services. PayPal , Inc., XXXX XXXX XXXX, License  # XXXX, Massachusetts XXXX XXXX XXXX. PayPal , Inc., Transmit Money By Check, Draft or Money Order By The Department of Banking, Commonwealth of Pennsylvania. PayPal , Inc. XXXX XXXX  Licensed Money Transferor . PAYPAL , INCXXXX XXXX XXXX XXXX, LICENSE XXXX XXXXXXXX, IS LICENSED BY THE GEORGIA DEPARTMENT OF BANKING AND FINANCE. PayPal , Inc. is Licensed by the State of Connecticut Department of Banking to perform Money TransmissionXXXX XXXX  # XXXX, License Number MTXXXX. 
Copyright XXXX PayPal , Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX I do have not used PayPal in several years. I forwarded the above email to PayPayl to alert them of this issue. My SSN was compromised approximately one month ago. I filed 3 reports with FTC regarding the fact I had been scammed and SSN was compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: FL
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 WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultant is reporting to the credit bureau that I owe a XXXX account in the amount of {$980.00}. Accounting to my credit report the account was open X/X/2015. I have never had an account with XXXX. I have ask for Diversified Consultant over 5 times to validate the debt and they have failed to do so. My rights under the Fair Debt Collection Practices Act ( FDCPA ) states I have the right to request the creditor to prove that the account belongs to me. Diversified Consultant has not done so. The only information they have been able to provide is a computer print out of a XXXX bill. This information does n't proves it belong to me nor does it proves I have a signed agreement with the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX I sent my money into a savings acct. They essentially " SELL '' credit reporting. I tried calling several times to ask about cancelling, sent messages, etc, and then notified them that I wanted to cancel -- -- they do not respond, they never answer the phone, they never return messages or call back. A month later, I stopped the autopay. They reported me 30 days late -- and I told them " I cancelled ''. So they said " we have no record '' and I said " you don't even acknowledge or respond '' So now I have a closed account, 30 days late, on my XXXX and experian. I really think XXXX XXXX need to be shut down- because they are selling credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I used my rewards points to book a flight last XXXX.In order to do so, I had to book through Chase 's travel portal, which works with XXXX. Due to a medical emergency, I had to cancel the booking before flight. According to the airline, if I provided medical documentation, then it would refund my flight in full ( I have this in writing, and I have been told this multiple times over the phone by the airlines customer service ). I contacted Chase and was advised that their " offline team '' would contact me to request documentation. I was emailed in XXXX asking for the medical documentation to send over to the airline. I sent it over on XX/XX/XXXX. To date, the airline says they have not received any documentation. I have spent hours on the phone with Chase 's " supervisor '' line, and have had no success in moving this along. Chase insists that the airlines customer service phone number is experiencing technical difficulties, but I can contact the number listed on the airlines website and immediately speak to customer service. I even bridged a phone call to prove to Chase that the airlines phone number worked fine, but was told by Chase it was against their policy to do this.Meanwhile, the airline confirmed to me that they had processed all refund requests up to XX/XX/XXXX, meaning they never received my request from Chase. At the same time, Chase insists they sent it over, but has taken no further action. Two weeks ago, after another marathon call with Chase, I was advised the " offline team '' would reach out to me within 48 hours to assist. I never received any communication from the offline team trying to resolve this issue. 

I've exhausted my time trying to get Chase to resolve this as it is the only roadblock to refunding this flight. Ive done my part, and the airline is willing to refund this ( and has said it only takes a few days to process the refund once documentation is received ), but Chase is acting a roadblock. If I hadnt used my reward points through Chase 's travel portal for this flight, I never would have had this problem.

Company response to consumer: Closed with non-monetary relief