BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-24
Company: Sequium Asset Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have tried to initiate 2 separate disputes and Equifax will not investigate. I have the return receipt from the USPS where my letters were delivered to Equifax. They are also reporting incorrect information and refuse to even look at my proof. This has been going on since XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 MBA Law placed 3 medical bills on my credit report, I reached out to them as well as all 3 credit bureaus letting them know that these accounts doesnt belong to me by mail. Only two of three were removed from my credit, the largest balance remains! I sent a second letter asking MBA Law to remove the medical bill again, they didnt do so! I havent given my consent for any of my medical information to be release! I want this medical bill released from my credit report immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: BAM Management US Holdings Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have an account with Binance.US and had put {$1000.00} into XXXX. A few weeks ago I sold my XXXX and made an attempt to withdraw the money a put it into my banking account I was told it would take 3-7 business days it has been well over that time frame and Ive made every attempt to contact them that they have provided but I have not received any form of notification or any response to my concerns. The transaction history for my withdrawal has also out right disappeared as well I still have my transaction history from when I sold my XXXX though.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX balance reported wrong both inquiries with XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX does'nt belongs to me. I've asked for these to be removed and you all refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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:
Equifax has openly and continuously discriminating against me as a consumer which is breaking the law. 

Pursuant to 15 U.S Code 1681 ( B ) ( XXXX ) Permissible Purpose. 

( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

- I have not granted nor given written consent for Equifax to Furnish my Consumer report. Neither did I grant permissible consent for them to disclose my personal information. I have a right to privacy. 

15 U.S. Code 1681a - rules of construction ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; -Equifax has a grave responsibility with fairness impartially and respect for the consumers right to privacy. 

Currently through Equifax they have denied me from being able to view in accurately assess my own credit report through equifax.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX balance reported wrong both inquiries with XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX does'nt belongs to me. I've asked for these to be removed and you all refused.

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 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitted multiple disputes each time including updates obtained by local police investigation. Adding and attaching more supporting proof to rid myself of the fraudulent accounts. Each time Dates and timelines of the FCRAs guidelines and laws where ignored and disregarded. I have been given half produced results in return and still being held responsible for fraudulent debt unlawfully by XXXX, transunion, and XXXX. With that being said I have now retained legal counsel and contacted the NYS attorney general. My attorney XXXX XXXX informed me that I must give the credit reporting agencies one final chance to correct all and any inaccuracies and block and permanently remove any fraudulent accounts. This is my final attempt and dispute for the agencies to correct this matters before filing my lawsuit to obtain civil and financial justice for the way my rights have been disregarded, economic stress and mental burden that has all weighed on me during my already challenging and uncertain times. If section 605 ( b ) of the FCRA is not upheld and these accounts and inquiries and not blocked and removed permanently, my attorney will be filing and handling all matters from this point forward.

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 2020-07-07
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under Radius Global Solutions and a validation letter was sent. On XX/XX/XXXX I reviewed my credit profile again as Radius Global Solutions had not responded nor has the account been reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX. Credit report was reviewed again on XX/XX/XXXX and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, was ran through XXXX and not paid and that all information is correct.

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 2019-02-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Chase closed all my three checking accounts and three credit card accounts without a reason on XX/XX/XXXX. I contacted customer support to find out the reason is nondisclosure. I visited Chase branch to try to figure out what was wrong causing Chase to " Stop the relationship '' with me. Even the Manager at the branch was unable to find out the cause leading to closing. 

Fast foward to XX/XX/XXXX, an application for a chase card was submitted. Chase once again, denied the application with only one reason undisclose previous unsatisfaction relationship. When I tried to contact chase customer support just to get the same answer, Chase decided to cancel because the bank wanted to, not for any reason. Until now, I have no idea what was wrong causing all my accounts was closed. All I really want to know is the real reason or reasons and what can I do to clear the " previous unsatisfaction relationship ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a new PNC credit card and set it up for automatic payments online. When the first payment was due the payment didn't come out. When I was notified the payment wasn't made I called in and paid the amount due and set up autp pay again and had the late fee removed. The same thing happened again in XXXX so I called in to find out why the auto pay didn't come out and it turned out that when the representative put the auto pay in place for that one payment but not for recurring auto pays. So I called in and paid the payment but they refused to remove the late fee because they said it wasn't their fault. My statement clearly shows that the payment I made was an auto pay. Basically it's just a miscomminucation on their part that they told me I was set up for auto pay but didn't mention I had to do it differently for it to be recurring. The last time I called in we figured out what happened and they assured me the recurring auto p [ ay is on now but still will not remove the {$39.00} late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: EQUIFAX, INC.
State: NV
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:
Someone attempted to obtain credit in my name on several occasions. There were several inquiries from XXXX XXXX  that I never applied for & I thought had been removed from all credit reporting agencies. After submitting inquiry removal letters from XXXX to All credit reporting agencies, XXXX and XXXX  were the only two that removed the inquiries, Equifax did not. I was part of the Equifax breach. I was told by Equifax to file a claim with the consumer that requested my report. Which I did- I forwarded the deletion letters to Equifax and they refused to remove the inquiries. Since i was unsuccessful at obtaining assistance from Equifax, I reached out to the police department again and The police department directed me to Federal Trade Commission. Since the identity thief did not obtain the credit that they applied for, the FTC directed me to CFPB to file a claim for credit inquiry issues. These inquiries are adversely affecting my credit. The language barrier of the Equifax customer service agents is impossible to understand. Some of the inquiries have fallen off, however there are two inquiries that are still hindering my report. One from XX/XX/XXXX and the other from XX/XX/. I have attached the deletion letters. Please please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of  security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of TEXAS medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XX/XX/2017, I began to dispute accounts on my credit report as included in my Chapter XXXX. Most of my accounts were updated properly however, I continued to have a few accounts that were not corrected. One account, in particular, would not update correctly as included in bankruptcy. It continued to update as a collection account after filing bankruptcy. I filed Chapter XXXX on XX/XX/2017. As of today, XXXX XXXX is included in the bankruptcy and the account is closed. However the reporting is still incorrect, the date on the report reflects as a recent status update and is incorrect. All of my other tradelines are reporting correctly and the activity date never changed but this one did and is report erroneous. Please change the activity date back to the original date of bankruptcy filing. The date on my report is incorrect as it was not a collection account at the time of that update.

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 2018-09-24
Company: Seterus, Inc.
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
QWR Notice of Error in response to letter dated XX/XX/XXXX In XXXX had to file a Chapter XXXX Bankruptcy case XXXX. On XX/XX/XXXX I entered and signed an agreement with XXXX XXXX XXXX XXXX to reduce the amount of my loan on by {$51000.00} to {$25000.00}. This agreement was filed on XX/XX/XXXX and entered into the Federal Bankruptcy court on XX/XX/XXXX Docket XXXX. Seterus failed to placed the {$51000.00} in the class 7 claims and by not doing so was discharged at the confirmation of the plan. Seterus failed to adjust the loan to match docket XXXX asking for discharged debt on my monthly statements as " Interest Arrearage '' and in a payoffs. Seterus did adjust the loan on XX/XX/XXXX only after Seterus had violated the bankruptcy code and FDCPA. Seterus during the bankruptcy stay placed forced place insurance on the loan raising the monthly payment not to comply with Docket XXXX when in fact the property insurance was up to date and on file with the Bankruptcy court and only needed to be petitioned. Serterus in XXXX paid off a 3 year confirmed bankruptcy tax plan that per the confirmed plan under Class 5 ; Claims for Real Estate Taxes the plan states that the payments were to be made according to the agreed tax payment plan between the debtor and treasure. Seterus did not let this happen paid them off and then demanded the amount in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually locked out of my account with Equifax, I did have a paid account, called twice because I could not log in, they keep giving me error screen to call them, I call them, however they will not give me a reason WHY I can not log in and have to call them. so the last call about a month ago I said close my paid account, you refuse to let me access it. I try to log in today and same message, it is always with them, with no explanation. These companies control your quality of life and it seems they can do whatever they want? Not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Experian Information Solutions Inc.
State: CO
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:
In XX/XX/XXXX I contacted Experian to correct a negative payment history on a credit card with XXXX XXXX from XX/XX/XXXX. I provided the following information. 

In XXXX XXXX XXXX I was deployed when all communication was secured for operational security. We were without internet access for approximately 40 days. During this time, the credit card payment was due, but I was unable to make the payment without internet access. As soon as access was restored, I promptly paid the bill in its entirety. 

Experian closed the investigation today. They added the addition to the comment section : " and dispute investigation completed, consumer disagrees. '' The comment could be construed that an investigation was actually conducted, which seems doubtful, and I disagreed with the results of the investigation. To my knowledge I have not been provided with any further information collected during the investigation such as a response from XXXX XXXX. Dispute and disagree are synonymous, so not only could the comment be misconstrued, but it would seem that the entirety of the investigation was to add a comment documenting that I disagreed or disputed something, which required no investigation at all because the " investigation '' was a direct consequence of filing a dispute with the report. 

If Experian or XXXX XXXX had provided documentation or rational to the justification for the negative mark on my credit score, I would have been receptive to concluding this matter ; however, this resolution was recursive and evidences the insincere at best or false claim that Experian actually investigated the matter. If an investigation did not take place, they have willfully neglected their responsibility to investigate this 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