BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-13
Company: ERC
State: MS
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 have contacted this office requesting validation of this alleged debt without any response & it has been more than 30 days. I have not conducted any business with this company and have no contact with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX refuse to delete this account off my credit report. I have requested them to send me debt verification. They keep sending credit card statements for debt verification. This isn't legal. I'm requesting them to place my debt verification on her so yall can see what they're sending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've submitted all documentation to get these things blocked from my credit. all they do is keep sending me a letter saying they won't look into it. 

I will attach all my documents to the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
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've gotten a response from Equifax that the disputes I have submitted, came back as verified. I would like to know how did you verify it because XXXX  also did their search and found the information I submitted was justified and removed the filings from my report. 
You have information on my file from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX was deleted. Your information is not consistent nor accurate. Therefore, per the FCRA and the FDCPA, you must remove than defamation of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Accelerated Financial Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been contacted numerous times by Accelerated Financial Solutions for months regarding a debt I owe. I ignored the calls for the most part because it seemed like a scam from the beginning. However, I finally obliged and called them back requesting additional information on this charge they are collecting ( {$1700.00} ), they did not have any details but promise to send them via mail. Nothing was received, and I communicated to them that I am no longer taking any calls as I haven't seen anything on my credit report on this alleged debt. I check my credit report yesterday ( 2 months later ) and my score had dropped significantly due to a delinquent debt by Accelerated Financial solutions. I've contacted them several times within the past couple of days which resulted in their failure to provide information, hanging up, unable to provide a valid email address or website, and just very suspicious operations. I've since communicated to them that I have filed various complaints ( identitytheft.gov, FTC, police report ), and will proceed to take legal action if not resolved by them. They have then blocked my calls, or hang up the phone when I use a different contact number of theirs. 
I do not have any documents from them with information on this debt. They have only operated over the phone, requesting immediate payment via credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My husband and I have been trying to get a mortgage since XX/XX/2020. We havent disputed anything on our credit reports since XX/XX/2020. All of the credit bureaus keep opening up disputes on our reports. We call 2-3 times weekly and they close them only for them to reappear. XXXX was deleted from my credit report XX/XX/2020 and they opened a disputed on them XX/XX/XXXX and then added it back onto my credit report. We cant get a mortgage with open disputes and want them to stop disputing items and adding dispute remakes when we arent disputing things! We also need for them to correct the XXXX error.

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 2017-08-01
Company: Security Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. I wrote to the company on XXXX XXXX, 2017 and told the collection agency that I was a victim of ID theft. On XX/XX/XXXX, I got word they reported a collection to the credit bureau and the result I went from a XXXX credit score to XXXX. I have made repeated calls and no help. They informed me that anyone could claim identity theft and that I would either need to pay it or it would stay on my report. I have written another letter today in hopes of resolving matter. I tried to file police report back in XX/XX/XXXX but was met with the attitude that it was n't worth my time. They had bigger crimes to solve. That was disheartening. I am now documenting all my letters so that I can create a chain of evidence. They claim they never got my last letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was banking with XXXX XXXX  at one point. But they closed my account due to a check being deposited into my account. I had called XXXXXXXX XXXX  and reported my card stolen and explained to them that I didn't know why I wasn't able to log into my mobile app. Thats when they told me a fake check was deposited into my account. Besides that I had my card stolen at a party I had attended. I always write my PIN number on the back of my bank card or any other card I own so I won't forget. On top of that I received a phone call to give my routing and account number. I just thought it was important to do so. Now I'm in a bad situation. Can someone please point me in the right direction. I deeply appreciate it. I tried to even bank with Pnc Bank but they won't let me open an account with them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: GA
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage 1. Does not offer total break down of all charges going into escrow account on website.

2. I received my new tax bill stating bill for my taxes for XX/XX/2018 stating they should be {$4900.00}. This would be a reduction in amount of my monthly payment. I have not received a reduction or any information regarding this new tax bill.

3. I filed for Homestead exemption and over 65 exemption which should reduce my taxes and my house payment. FM still taking out $ 660+ a month and I can not see any break down of this on the website.

4.I did not choose this company. I was forced to take because my closing mortgage company sold my account to them.

5. They dont even allow for online e-statements.

6. There is no place online to pay additional escrow amounts without attaching it to a payment. You have to call and talk to someone, give them your cc number and they then they take it out. I dont know these people and this is about as secure as a fish in the ocean, Yes, I use snail mail to mail it but I dont use checks.

6.I have sent them complaints on their email address only to receive an email stating someone would send me a letter in the mail regarding my concerns! A letter????? Why cant hey answer the email?

7. Backwards, unprofessional, disconnected to internet conveniences for customers. Numerous complaints on 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 2018-02-15
Company: Experian Information Solutions Inc.
State: MO
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:
Under the recent changes to law, effective XX/XX/2017 Public Record data reported must include a minimum of name/address/SSN/ and date of birth in order to appear on a credit file. The credit bureaus haven't updated/reported this info and per the law Bankruptcies don't include this info and this should be removed promptly from my report.

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 2018-06-12
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company is consistently contacting me at my place of work and on my personal cell phone. Calls are several times each hour, every hour. I've spoken to a representative that my employer does not allow for such calls, but the calls have continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am a victim of identity theft and I have not applied for these accounts and inquires that are listed on this identity theft report. Please delete all this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: RS Clark and Associates, 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: Reporting company used your report improperly

Complaint:
I sent a debt validation letter to RS Clark and Associates Inc., on XX/XX/2021 and the company failed to validate debt. Instead they sent me a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase Bank is refusing a refund of {$590.00} for putting my mortgage in Autopay.

When I took a mortgage out, I was casually told I'd get a refund of {$590.00} for putting it in Autopay. I had to reach out multiple times to get an answer on what to do to get this money back, and was told I needed to do a few things, one of which was signing up for paperless statements, and that I should do that when I got the statement in the mail.

They sent the paperwork in the mail to my old address so I never had the chance to be notified via mail that I was now able to sign up for paperless statements. Called in several times  because I never got the refund, and was told it was processing on XX/XX/XXXX. 

After complaining yet again, I talked to a rep that now says I didn't subscribe to paperless statements in time, which I doubt because no one told me that ever before. 

Not only the way they communicated the requirements of promotion wasn't formal, clear and conspicuous, they're now changing the story to not give me back the money they promised. 

I've been a loyal customer of Chase since XX/XX/XXXX. I have never, ever missed one payment. I not only have a checking and savings account, but also several credit cards, one of which costs me {$450.00} a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
on the XXXX of XX/XX/2018 i sold my bitcoin using coinbase and since them i have not been able to withdraw my funds. i have been lied to over the phone when i asked how to withdraw my money. i tried to link my account using XXXX payment where i uncured charges from my own bank account on the XXXX XXXX. i have still been unable to withdraw my funds,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX for the XXXX XXXX store account was not sending my statements. I was submitting payments every month to cover the minimum and some additional monies towards the principal. I thought my account was in good standing until my account was froze to further spending. When I called I was told I owed {$110.00} in late fees and {$11.00} past due? I was confused considering I was paying more then what being asked every month?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Re : require to reflect the maximum possible level of accuracy I'm copying and pasted the letter I sent to XXXX  and To Whom It XXXX  Concern, According to the Fair Credit Reporting Act, 15 USC section 1681i, I request that you add the following credit references to my credit report : Contract # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I appreciate your attention to this matter, as the addition of these credit references will more accurately portray my credit history. Please inform me within the statutory 30-day time period from your receipt of the purpose of this credit repair letter of your compliance with the provisions described in 15 USC 1681e, which require that all information in a consumers credit report must reflect the maximum possible level of accuracy. 
After 45 days I have not received any positive updates on my report. 
I have attached copy of my credit report how does it look like. No accounts, no score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capio Partners XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Sent a lettering XXXX to collect a debt owed to XXXX XXXX - XXXX XXXX For service on XXXX For an amount of {$1900.00} with an offer to save me 50 % if I paid before XXXX as well as an address to pay online. 

This debt has been paid for over 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: U.S. BANCORP
State: OH
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:
I began the loan modification process in the Spring of XXXX. All paperwork was signed and completed and returned to U.S. Bank in XX/XX/XXXX. All trial payments were made each month for the first 3 months beginning in XX/XX/XXXX, and all payments have been made every month since. I have made multiple attempts to get my statements and credit updated to show that my account has been modified and is now current. I've left messages and sent emails to the relationship managers on my account. In the past two weeks, I have spoken with 4 different relationship managers in the Loan Modification Department ( MAP dept ) at U.S. Bank. I still have not had any resolution. My credit report continues to incorrectly show that I'm 120+ days past due, which is significantly hurting my credit score and likely why I have a high interest rate on my vehicle loan and have not yet been able to refinance it. I also found out that in addition to U.S. Bank not updating my loan and payments with the credit bureau, nothing has been sent to the Recorder 's office where I live. It seems that absolutely nothing was done after the paperwork was signed and returned. They confirmed on XX/XX/XXXX, that they received all the paperwork and that " it appeared '' nothing had been done after that. My rights for fair credit reporting are being violated and they need to fix the problem.

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 2018-06-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
These are the unauthorized charges to our debit card with USAA Bank. 

XX/XX/18 XXXX XXXX XXXX- {$2700.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXXXXXX XXXX XXXX XXXXXXXX {$830.00} XX/XX/18 XXXX XXXX XXXX  XXXX XXXX {$40.00} we informed the bank that these were unauthorized and approximately a month later they told us they WERE authorized. We have requested associated documents used by them to reach that conclusion and are still waiting for them to furnish them, It has been over a month since that request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Friday XX/XX/18 I was called 6 times in a row ( a XXXX minute span ) On the 6th time I answered and said this is against FDCPA do not call this number again. On Monday XX/XX/18 I got a call again, I said do not call this number the lady kept saying who is XXXX and repeated to XXXX my number. She kept asking then finally said Ill be calling tomorrow and hung up.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation