BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-08
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I cancelled an account with XXXX XXXX XXXX because I was highly dissatisfied with their service, I asked for and received the current billing amount owed at the time returned all of the leased equipment and PAID THE ACCOUNT OFF IN FULL! 
I am providing the receipts and emails, there were several collection agencies that I submitted the files to, XXXX would simply hire another, I finally explained I no longer determined this to be an attempt at debt collection seeing as I submitted proof of payment but it was now in fact harassment, In checking my XXXX  credit report I see the erroneous billing included in my credit report! 

New collection DIVERSIFIED ADJUSTMENTS XXXX  XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE DIVERSIFIED ADJUSTMENTS XXXX XXXX XXXX XXXX XXXX XXXX, MN N/A UNPAID $ USD XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My XXXX cellphone was security breached allowing unauthorized access to ALL of my personal and financial information. Also unauthorized access to online usernames and passwords for ALL accounts. Unauthorized reporting my credit cards as lost or stolen and requesting replacement credit cards to be sent to me without my knowledge. Accounts are showing very high balances due and no transactions were made by me. I do not have any authorized users on Any of my credit card aw accounts. Apparently replacement cards mailed to have been stolen out of my mailbox as I have not requested or received any. Tried numerous times to contact Amex fraud department but it is obvious my phone calls are redirected to some unknown person that I definitely know is not Amex. I know this because I am very familiar with Amex representatives with questions or information they WILL REQUEST from me to verify my identity. I have been completely BLOCKED from my numerous phone calls attempts to reach Amex Fraud Dept. to resolve this Identity Theft issue. I even opened a po box to assure no more credit cards can be received by this criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The JPMCB Card account # XXXX that was opened XX/XX/2018 was removed from my credit report across all three bureaus respectively XXXX, XXXX, and XXXX. However, it returned back onto my XXXX and XXXX reports even after I reported it as Identity theft and won disputes across all 3 bureaus. I have an FTC report submitted with Case # XXXX. This account doesn't belong to me and I have no knowledge of this account # XXXX that is being reflected on my report. Now, I am in the process of going for an apartment and due to this it is negatively affecting my credit to where I can not go for an apartment as it kilt my credit. I need this inaccurate, unverifiable information and account that doesn't belong to me off my report for good and for Chase and the bureaus to stop trying to sabotage me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Veripro Solutions Inc.
State: DC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good Evening Mr. XXXX XXXX, According to the recorded conversation this evening, XX/XX/2019, Veripro Solution decline electronic payment of {$6200.00}. 
I am disputing this debt, ( interest ) Veripro Solution did not provide a balance due until XX/XX/2019due to policy which has not been shared and as result the new owner has enforced interest. 

I would appreciate a letter from Veripro Solution stipulating policy below ; " That is because it is our policy that we dont issue statements unless there is a promise to pay. This reduces the amount of unnecessary paper being sent to our customers. We do not provide policies in writing to our customers, hence why you do not see it there on the document ''. 


Thanks XXXX XXXX XXXX. 

I met the terms of 12months payment, with a $ XXXX credit, however Veripro Solution In.c refuse to provide me my new balance for future payments until XX/XX/2019, due a policy. I've asked several times for the policy to be shared, it never was, with new owner. 
Debt clock has reset, enforced interest rate, and lien on home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I received a payment in the amount of {$2700.00} from XXXX XXXX XXXX XXXX Indiana from his personal Bank XXXX XXXX sent through PayPal as a personal payment PayPal transaction ID : XXXX. He Purchased a large Lot of remote control trucks and a large amount of brands new, used, and opened package parts for the trucks that shipped with the trucks. I shipped 2 very large packages via XXXX. Tracking numbers : XXXX, XXXX. Both of which were signed for by a XXXX as the tracking shows. Once XXXX received my items he then proceeded to go through his bank and file a fraud form stating he did not recognize the transaction and did not approve it. By signing this form his bank XXXX XXXX returned the {$2700.00} back to him taking it out of my PayPal account XXXX without my consent or even contacting me first to explain the transaction. So XXXX XXXX now has the {$2700.00} and my items. I then contacted his bank to inform them of this transaction and the proof for selling XXXX XXXX these items and receiving the payment sent by XXXX to my PayPal account as well as tracking numbers providing proof he signed for them himself and pictures he ent me stating he received the boxes. The Bank the. Told me by XXXX signing this fraud form due to their ACH rule they will take their customers word that they are telling the truth regardless of the evidence I have proving he has my items and my money. On XX/XX/XXXX Paypal withdrew {$2700.00} from my account without my knowledge or consent. And oddly enough my paypal account does not reflect this withdrawal of the {$2700.00} in my PAYPAL balance. Paypal owes me {$2700.00} to reimburse what they took.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: NJ
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear CFPB, I hope this message finds you well. I am writing to bring to your attention a concerning matter regarding a series of attempted money transfers from the United States to XXXX, which have led to significant complications and remain unresolved. 

On XX/XX/2023, I initiated XXXX separate transactions with MoneyGram, each with the following transaction numbers : XXXX, XXXX, XXXX, and XXXX. Unfortunately, MoneyGram was unable to successfully deliver or deposit the funds, and these transactions were canceled without any prior notification to me. 

In my pursuit of a resolution, I engaged in a conversation with MoneyGram 's customer service on XX/XX/2023, and requested a refund for the undelivered funds. They assured me that a refund would be processed within XXXX hours. Regrettably, this promise was not fulfilled. 

Recognizing the ongoing delay and lack of communication, I reached out to MoneyGram once again on XX/XX/2023, as I had not received any updates or my promised refund. During this interaction, I was informed that a technical issue had been encountered, but the funds would be refunded within XXXX business days. It is important to note that this ordeal has persisted for more than XXXX months, causing immense frustration and inconvenience. 

Unfortunately, my efforts to resolve this matter amicably were met with rudeness and refusal from MoneyGram 's agents. Subsequently, in an attempt to retrieve my funds, I reported the situation to my bank, initiating a dispute process. In response to my action, MoneyGram has taken the drastic step of closing my account and has conveyed that, due to my dispute, they are unable to complete the refund. Furthermore, they advised me to contact my bank for any further information. 

To date, MoneyGram has not issued the promised refund, and my inquiries for information have yielded no results. Given the circumstances, I kindly request that an investigation be initiated to ascertain the status of these transactions and to facilitate the return of my funds. This situation has caused undue financial strain and distress, and I believe a thorough examination is warranted. 

I appreciate your prompt attention to this matter and look forward to a resolution as soon as possible. Please do not hesitate to contact me should you require any additional information or documentation regarding these transactions. 

Thank you for your assistance in addressing this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSWORLD SYSTEMS INC
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX TRANSWORLD SYS INCXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRANSWORLD SYS INCXXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: DISCOVER BANK
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Again, I am a victim of identity theft and reported to Discover my 2 accounts were breached online allowing access to my information including username and password. REPLACEMENT cards sent to me are invalid. Guessing the criminal has reported lost/stolen again to receive valid credit cards. Requested also last 3-6 months of statements from both accounts to be mailed to me. I will not use online services any longer since that's how I was breached.

DISCOVER would not mail me my 2 replacement credit cards that I again reported 2 days ago, stating they could not verify my identity. Unbelievable! A criminal using MY IDENTITY is able to report lost/stolen cards and get replacement cards mailed but I can not. 
I kind of believe my numerous phone calls to Discover may have also been compromised by forwarding my calls to some unknown person posing as Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I recently sent paperwork from a creditor stating they would delete a account because it has been satisfied .... two out of three credit bureaus complied I AM ASKING TRANSUNION COMPLIES AS WELL and again am resubmitting the letter

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 2023-10-01
Company: Bread Financial Holdings, Inc.
State: FL
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 did not recieved a validation letter within 5 days of my debt being sold which is required by Florida law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: Capio Partners, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from Capio, which is a violation of FDCPA. Capio has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Capio, nor any party that Capio, claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Capio remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a XXXX XXXX can not furnish a account without my written instructions.

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 2023-10-01
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from Credit Managment LP which is a violation of FDCPA. Credit Managment LP has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Credit Managment LP, nor any party that Credit Managment LP claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Credit Managment LP remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
Previously filed complaint CFPB XXXX XXXX : XXXX Ref : XXXX XXXX obfuscated. Company acknowledges {$500.00} from XXXX was credit to each of our accounts, but refuses issue us the funds and asked we get the money from XXXX in there response. There is NO RECORD of Serve making any such return NOR have they provided any record. In fact, there response DOES NOT MENTION that they return the funds to XXXX. They need to return the {$500.00} to each of us that was properly credited and acknowledged by them. If they did unnecessary and potentially illegally return funds to XXXX, they need to provide a written record and contact information from XXXX that acknowledges XXXX received the funds and it is to be credited to us. XXXX has no record. The number for custmor service and asset protection is XXXX ( XXXX ) XXXX. There appears to be serious negligence on the apart of Serve and obfusaction by their legal team addressing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Snow and Sauerteig LLP
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX XXXX, I went to XXXX XXXX in XXXX, Ohio. No X-rays were done, no medication administered, and I was only there about 20 minutes. XXXX XXXX submitted the wrong dates to the insurance company, so there was a payment issue. I called XXXX XXXX repeatedly for an itemized bill of services and sent emails to show I was not in the state on the dates they submitted to the insurance company. XXXX XXXX has sent the bill to several collection agencies, I have continually disputed it, and now Snow and Sauerteig has it on my credit report.

Company response to consumer: Closed with explanation