BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good afternoon. I would like to file a complaint on XXXX as well as XXXX, XXXX and XXXX. I was reviewing my credit report and discovered several medical bills in collections. I disputed the accounts XXXX and XXXX with all ( 3 ) bureaus several times and the accounts came back as verified. I sent a letter to XXXX on XX/XX/18 requesting validation. The responded on XX/XX/18, but the information mailed does not verify that either account is mine. This information could have been falsified or made up. Again I requested very specific information again, I was sent the same thing. I would like to complain on the bureaus as well. They keep verifying the information, but how if the collector can't even verify the information with me the consumer. It appears that some of the accounts were deleted for a few of the bureaus. I need both accounts deleted from all bureaus. It has been more than 60 dates and ( 2 ) attempts with no validation. I WANT BOTH ACCOUNTS REMOVED or I will be filing a suit against Collection Agency and the bureaus.

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 2017-06-22
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Today, XXXX XXXX, 2017, I called Citibank to close my AAdvantage Platinum Select credit card. I was referred to a " senior account specialist '' whose job was clearly to talk me out of closing my account. I calmly and politely explained my reasons for closing the account figuring they would make sense : I do n't use the card anymore, have n't used it in a year and a half, and do n't want to keep paying the annual fee for something I 'm not using. <P/>This person kept pressing me not to close the account, and despite my continued explanations it sounded like he was following a script instead of actually listening to me. For instance, he was amazed that I had no balance on the card and always paid it off on time ; is that so surprising when I have n't used it in over a year? He offered to refund the full annual fee instead of a pro-rated amount if I first spend {$1000.00} in the next 3 months on the card ; I responded that I was not interested and would rather just close today. STILL he kept pushing, and at this point I got angry. Despite his continued emphasis on being able to get my full annual fee back, I told him I saw through his game : this is a ploy to get me to keep the card, try to follow a bunch more little rules, and be too lazy to call back in 3 months. He 's probably right that I would n't do all of that successfully ; that 's why these banks have so much money! Yet I had to yell at this guy repeatedly to get him to finally give up and close my account, which he eventually did. <P/>I wanted to be proud of myself for finally getting around to crossing this off my todo list. Instead I had to get angry and exasperated ; a calculated move, since he clearly was n't listening to me when I was being polite, but that does n't make it easer or less stressful. That awful memory will be my parting experience with Citibank. <P/>You can tell Citibank that they just lost a customer permanently ... unless they decide to pull a XXXX XXXX and reopen the account without my permission, of course. After that phone call, they sound like exactly the type of company to do such a thing.

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 2016-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
The company, Capital One NA is contacting my cell phone ( my cell # XXXX ) everyday at 30 times per day, calling me after XXXX XXXX and using several phone numbers as follows : my area code is XXXX-The communication tactics are deceiving, misrepresenting/who is contacting my phone with my area code ) 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 2022-06-16
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mandarich Law group, LLC filed Judgement with Superior Court of California, XXXX XXXX on XX/XX/2012 ; case : XXXX Platfiff : XXXX XXXX XXXX XXXX against XXXX XXXX and XXXX XXXX XXXX. Before filing the judgement, the firm failed to follow prescribed procedures to deliver notices requiring debt. After I accidentally discovered the filing was placed with XXXX XXXX office, I was shocked! On numerous occasions, I attempted to contact the firm by phone and in writing to provide me the original documents to verify the debt. Mandarich Law Group , LLP representatives either ignored me or kept on saying that the debt verification and confirmation would be sent over my current address, but I have not received anything what I asked ever since! I am convinced this is a Freud and would like to flag this firm for acting unprofessionally. I am really hopeful that CFPB will be able to help me resolve this situation and enforce Mandarich LLC to provide me with documents I have been requesting for many years. Attaching the very recent letter I sent to the firm which was yet again ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: TX
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:
In XXXX with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 18USC 1028a Aggravated identity theft 15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-06-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report act XXXXXXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission

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 2023-09-20
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 I received XXXX Derogatory marks from a collection agency named National Credit Systems.

The first one, in the amount of {$450.00} from a creditor named as an apartment complex in XXXX XXXX Texas named XXXX XXXX XXXX XXXX XXXX The second, In the amount of {$6300.00} from a creditor named as XXXX XXXX. also and apartment complex in XXXX XXXX. 

I did not sign any lease with either of them. I live in XXXX as a home owner. I believe my identity had been stolen and I was a victim of identity Fraud.

My credit has been frozen on all Bureaus since XX/XX/2023. So these apartment complexes definitely did not do their job of properly verifying my credit. 

I Have contacted National Credit Systems. a person named XXXX XXXX has been in charge of this case that has an internal reference number : XXXX XXXX XXXX has requested me twice to send the same documentation package that their identity fraud team requested. I have sent all documents requested by Mail and E-mail as they requested. 

Since XX/XX/2023, I can only see the second charge of {$6300.00} on my account. I believe National credit systems removed the first charge. 

But they failed to remove the second. 
XXXX XXXX XXXX is unaware of the documents I sent, it seems that their department do not communicate internally, so he can't answer why one charge was removed but not the second.

when I asked what should I do about this, he forwarded the same first e-mail with the same requirements. Which was frustrating.

Since this communication isn't going anywhere, I decided to contact CFPB to weight on the resolution of this matter.

I am a Real Estate Investor and can not afford to have these kinds of issue on my credit. it is crucial that this gets removed from my account ASAP.

I am attaching the same documents that the debt collector requested for your revision. including the police report file in XXXX, water bills and home insurance policy to prove my place of residency on the time the events happened and signed affidavits. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is no option in the TSI IVR to wait for an agent. Whether you call within regular business hours or not ( I have done both ). The only option is to call back or to leave a message. I have left 4 messages, clearly stating my name, contact information and account numbers, most recently on XX/XX/18 and XX/XX/18. I have never received a call back. I have contacted the creditor in XXXX and again XX/XX/18 to confirm that the debt was paid, they said they were escalating to get it removed from collection, however I continue to receive notices. On XX/XX/18, the creditor confirmed that the account was taken out of collections in XXXX however I continue to receive collection notices, the most recent being dated XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Albert Corporation
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I open up an Albert account for a while time now, I have verified the account with my ID and everything. And everything seems alright, I have my ATM card with me. 
The link is up with my employee for direct deposit for the month of XXXX payments. 
And my employee sent my payment into my Albert account of {$5800.00}, the next this was I got an email saying I should verify my account, I was worried about why are they asking me to verify my account again after they received my payment.??? 
Then in the process of verifying my account with them, that same day I got the message that they have suspended my account and they have closed it up. Wow just like that? 
I reached out to the customer service via text, they are the most useless service in the state. 
All they are telling me for the past 10 business days is they cant be of help, there is nothing to do about my funds in the account, and they can not help me. 
I asked them to return my funds back to the employee, so then they can close up the account. But all their response was there is nothing they can do about that. 
My question is why will you suspend my account in the process of verification after I have done verification months ago? 
And why won't you refund my funds back to my employee? 
It is over 10 business days and I see that want to steal my funds from me. 
Albert corporation gives me my funds back., that is all I want. 
And the Government body should shut them down.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Square Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
THIS NOT A DUPLICATE XX/XX/21 I just received in the mail today another Visa Debit Card ( XXXX XXXX  ) with a different account number from Cash App - XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I have not applied for any credit PLEASE NOTE : ON XX/XX/21 I HAVE JUST FILED A COMPLAINT # XXXX WITH CFPB FOR THE SAME COMPANY SAME CIRCUMSTANCE BUT DIFFERENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: FL
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 previously submitted a complaint for this company with incorrect attachments. Please delete XXXX, XXXX, & XXXX and replace with this corrected information and new complaint # 's. 

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I lost my Job and fell behind in mortgage payments with XXXX. My mortgage was transferred to Seterus. XX/XX/XXXX, loan is in default, payment of {$2200.00} to bring it up to date, pay by XXXX XXXX, XXXX in addition your regular payment may become due by the expiration date. XX/XX/XXXX paid {$2500.00} certified check with us keeping a copy. XX/XX/XXXX. shortage of {$3300.00} for your convenience we will spread out your payments over the next 12 months. This came with a new mortgage escrow statement adding {$270.00} over 12 months. you may pay the shortage in full by sending. A check for $ XXXX.Spoke to XXXX XXXX who proceeded to tell us to make the necessary payments before XXXX XXXX to avoid escrow another {$900.00}. XX/XX/XXXX sent another {$900.00} ( spoke to XXXX XXXX Seterus to confirm ) ( have copy of certified check ) to fulfill escrow. XX/XX/XXXX cashiers check {$1100.00} ( have copy ) XX/XX/XXXX sent another cashiers check for {$3300.00} ( have copy of certified check ) continued to pay escrow and mortgage payments on time until XX/XX/XXXX! money owing was paid up front with documentation of certified checks to prove it, escrow was for 12 months even though we did n't owe any escrow. but they continued to take escrow from XX/XX/XXXX- XX/XX/XXXX, exceeding the escrow amount even if we did owe it. XX/XX/XXXX they did a review and paid us back {$2500.00}? we have a copy of all certified checks and all documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX a Family Member was in dire straights for money. We both have Cash app ( I don't use it much ) I first tried to send {$1000.00} ( didn't realize more than the allowed ) so I sent 2 separate {$500.00} transfers to the wrong USER Id.. The correct User was XXXX When typing it in the app auto populated to $ XXXX that I didn't notice until My Family member said she didn't get the money. I called my Bank XXXX XXXX to try to stop the 2 transactions and they opened claims on my account. I requested refund from the erroneous user and they declined. I reached out to CASH APP on the Support tabs probably 10 time. I could tell it was an autobot, they were answering the same verbatim basically nothing they could do. My bank refunded me {$500.00} but for only 1 transaction. In there Investigation report, CASH APP sent that I received goods and/or services, which is not a true statement. Then they provided the User 's email ( not a good email ) and a phone number ( not sure It is the correct number, though I have left messages ) My bank will do nothing and they urged me to reach out to CASH APP because they are supposed to verify Users correct contact info. So, I did just that with an email to CASH APP Support and the email comes back as " THIS IS NOT A MONITORED EMAIL '' NO OTHER WAY TO CONTACT. I feel they owe me money back as it appears they did nothing to help with this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
CFPB : PLEASE BE ADVISED, THIS IS NOT A DUPLICATE COMPLAINT. I AM RESPONDING BACK TO EQUIFAX IN REGARDS TO A WRITTEN LETTER THAT THEY SENT TO ME VIA THE U.S. MAIL. PLEASE FORWARD THIS COMPLAINT OVER TO THEM ON MY BEHALF. THANK YOU. 


Equifax Consumer Relations XXXX XXXX, 2016 To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent 5 previous letters to you, all by certified mail ( copies of receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters all sent certified mail stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt Equifax to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX County Courts for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA, and the FDCPA and intend to pursue them to the maximum. 

I anticipate your response. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: FL
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 was a victim of theft in XXXX XXXX, 2021. My purse was stolen with all my identifications in it. I made a police report in XXXX county, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent XXXX a letter requesting proof on letter head stating the procedures used to verify this account I asked for proof of verification on courthouse letterhead the name of the person who verified the public act The public act should only be verified by the furnisher which is the bankruptcy court, not a third party such as XXXX or XXXX. Equifax never sent me any information within the 15 day period pertaining the business name address and contact information I requested thats violation number one violation two Equifax sent me a credit report that says verified thats not what I requested and thats not proper protocol when the creditor request for proof. Equifax also have the wrong date equifax has XX/XX/2014 in which it should be XXXX/XXXX/2014. ( paper work attached showing dates ). Im requesting complete deletion of this account. SENDING ME A CREDIT REPORT THAT SAYS VERIFIED IS NOT WHAT I REQUESTED AND ITS NOT PROTOCOL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I believe that this account was associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
FLAGSTAR BANK , N.A . XXXX. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law

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