BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-20
Company: HCFS Healthcare Financial Services of TeamHealth
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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION 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 XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX XXXX, FL 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 2018-06-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My debit card got stolen and I called chase to report it. Now they are telling me all my accounts are closing and I am no longer allowed to bank with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My situation is unique because its been caused by my employer state government closed my work the sudden loss of income had a bad impact on my health to the point that I was forced to apply for my social security benefit unfortunately government dont care about people they are slow behind I send my situation to the office of senator XXXX XXXX and California governor XXXX XXXX and they are aware of my situation I the other hand SLS never worked or try to assist me And from the beginning everything they done is only in a path to take my home SLS is under a lawsuites for not comply and doing the same thing they done to me to other homeowner and this is how they operate by playing game toying with home owners so they could take their home I have hundreds of complaints of other homeowners that how SLS took their home On the same date that SLS is selling g my home I have XXXX My son is in. XXXX XXXX SLS is a fruad company and they need to be fined and put away for what they done and doing to home owners Cfpb not doing their job by not investigate SLS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: CITIBANK, 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: Unexpected increase in interest rate

Complaint:
This is regarding a Citi Bank credit card. I do my banking online. When i noticed a slight increase in my interest changes on my latest statement, I looked at my online statements and noticed an increase in my standard interest rate from 15.24 % to 29.99 %. I have promotional rates on my account that remained unchanged. I reviewed all of my statements leading up to the increase and saw no notification of a rate change. Citi said it changed on XX/XX/2019. They say that 29.99 % is a penalty rate. The account has never been paid late, nor gone over the limit.

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 monetary relief
Consumer complaint received 2019-05-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive have worked hard to obtain a credit score at or close to 800, and I finally got it there in XX/XX/2019, as of the XXXX ... then all of the sudden it dropped over 40 points. Ive applied for no new credit, Ive paid down all but one account, and have never been late with any payments. I checked all three credit bureaus reports and don't see anything negative anywhere that would cause such a huge drop. I have written complaints to the bureaus but truly don't expect a reply that directly helps me understand what has happened all of the sudden. Could someone please tell me what has taken place to cause my score to drop over two weeks so drastically?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Apartment Homes & IQ Data Collection Agency are accused of the following : 1. Reported False Information on Consumers/Credit Reports 2. Repeatedly and continuously call us 3.  Seek unjustified amounts XXXX Apartment Homes ...

1. Misappropriated our rent and XXXX  ( utilities ) payments in XX/XX/2018. 
2. Overcharged us following our move out date of XX/XX/2018. We submitted a 30 Day Notice to Vacate our apartment on XX/XX/2018. Included within the 30 Day Notice we provided our newly purchased home address and a request for the balance of our account due for the apartment home we were renting. 
3. Receipts for cleaning and repairs charged to us by XXXX Apartments following our move out date of XX/XX/2018 were NEVER provided to us. Not within the 21 Days after we vacated the apartment home and NEVER at anytime thereafter. 

The actual amount we owe ( d ), less cleaning and repair fees - since we never received copies of those receipts, is {$3700.00} NOT the {$4600.00} they demanded and not the {$4700.00} the IQ Data Collection Agency is demanding from us. We have documentation of all payments we made, correspondence with the Manager at  XXXX Apartments, including correspondence of us trying to settle this account for the correct amount owed of {$3700.00}. The Manager at XXXX refused to correct his accounting errors and the correct payment owed. XXXX sold the debt to IQ Data Collection. We now have Negative marks with all 3 credit reporting agencies. This  negative mark has resulted in us not qualifying for an auto loan or mortgage refi at lower interest rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive have worked hard to obtain a credit score at or close to 800, and I finally got it there in XX/XX/2019, as of the XXXX ... then all of the sudden it dropped over 40 points. Ive applied for no new credit, Ive paid down all but one account, and have never been late with any payments. I checked all three credit bureaus reports and don't see anything negative anywhere that would cause such a huge drop. I have written complaints to the bureaus but truly don't expect a reply that directly helps me understand what has happened all of the sudden. Could someone please tell me what has taken place to cause my score to drop over two weeks so drastically?

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 2018-06-09
Company: SYNCHRONY FINANCIAL
State: TX
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 have attached this complaint in .pdf format that is easier to read. ** Below is my account history since XX/XX/XXXX ( my account had a {$0.00} balance at that time ) : {$25.00} Pmt due XX/XX/XXXX Paid {$25.00} XX/XX/XXXX {$25.00} Pmt due XX/XX/XXXX Paid {$20.00} 03/30/18 Paid {$20.00} XX/XX/XXXX Charged {$25.00} late fee even though more than the minimum payment was made ( total {$40.00} ) {$27.00} Pmt due XX/XX/XXXX Paid {$20.00} XX/XX/XXXX Paid {$20.00} XX/XX/XXXX Charged {$27.00} late fee even though more than the minimum payment was made ( total {$40.00} ) I called and spoke to XXXX, Account Manager, and she agreed to remove the late fee of {$27.00}, but refused to remove the prior late fee of {$25.00}. She explained that because I made my payment prior to the billing cycle the payments were not getting applied to the next payment. I have paid more than the minimum payment each month and should NOT be charged late fees. Please remove the {$25.00} fee charged on XX/XX/XXXX. 

I have a promotional balance that I am making payments on every two weeks to ensure that it is paid off by the end of the promotional period. XXXX XXXX XXXX XXXX is charging me late fees unfairly and I want this corrected.

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 monetary relief
Consumer complaint received 2017-11-30
Company: Crow Creek Sioux Tribe
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan for {$670.00} and have paid them XXXX for the past 5 months and when I spoke to them today they told me that I still had 5 more payments to make of XXXX. By the time the loan would have been paid off I would have paid {$4000.00} on a {$670.00} loan. After speaking with a lawyer he stated that the company is not licensed in the stated of VA and you could n't find any real information on the company when he searched and that the company had numerous complaints and is part of scam that gets around the law by using tribal or native American laws.

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 2017-11-17
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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank SXXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/19 I submitted a dispute with Transunion disputing the XXXX XXXX XXXX collection account that is reporting on my credit report. Transunion claims the debt was validated and did not remove it from my reports. XX/XX/19 I submitted a request for Transunion to provide me method of verification they used to ensure the debt was valid. I never received anything confirming. I reached out to XXXX XXXX XXXX on XX/XX/19 to request validation and they also failed to provide me with any documents regarding this account.

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 2018-03-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
For some reason when I pull history of my credit I get a name of XXXX XXXX that's not my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am a small business owner. You know everything about Covid-19 disaster. This is also economic disaster for us, too. I am in XXXX XXXX of Pennsylvania. My business is closed since XXXX of XXXX. I applied for XXXX loans. I want to complain about 3 major credit agencies. I wont be able to get any loan because of these credit score agencies. They keep reducing my score without any reason. Yes I have high credit card debt but I paid everything regularly so far even though it is minimum payment it is paid. Now these agencies keep reducing my score without any new reason. I wont be able to get XXXX loan which is given to small businesses because of these credit scorXXXX agencies. XXXX lenders dont give loans to small businesses if you have a score under 640. These credit agencies will cause us to go to bankruptcy. We will not go to bankruptcy because of Covid-19 but because of 3 credit score agencies, TransUnion, XXXX  and XXXX. I am complaining them. Could you please investigate what they are doing to us. My business will disappear because of these 3 credit score agencies.

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 2020-05-01
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:
XX/XX/2020 someone tried to steal my identity by opening up a credit card with XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX  XXXX ran a hard inquiry XXXX and XXXXXXXX XXXX XXXX  has since been removed from my credit report. Transunion and XXXX  are refusing to remove the XXXX XXXX hard inquiry. I have a letter from XXXX XXXX stating that Transunion and XXXX are to remove that hard inquiry because it consisted of fraud. Thank you. 
XXXX 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 non-monetary relief
Consumer complaint received 2021-06-07
Company: BAM Management US Holdings Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was doing a withdrawal for XXXX $ ( cost after their transfer fee, originally was XXXX $ XXXX on XX/XX/XXXX. I got an email from binance.us saying to confirm the withdrawal. I then got an email saying it was successful. But the money never went through, never even left the binance.us account. I then tried the transfer again, on XX/XX/XXXX. Got the email to confirm and later that day it said it was successful, except this time the money was gone from my binance.us account. 3 days on later on XX/XX/XXXX got another email saying it was " successful '' again?? But still no money has hit my checking account. It is now XX/XX/XXXX as I write this and have no idea if im going to be getting my money back. I have tried contacting there support " team '' but no response still. They have no number to call as well only over email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Perfection Collection
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I sent a letter to third party collection agency Perfection Collection, XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX  ( XXXX ) asking them to cease collection activity and to remove records from my credit report regarding account # XXXX  ( c/o XXXX  of which they purchased XX/XX/XXXX. ) I asked them to provide me evidence of my account and if they could not to delete all information furnished to any and every one of my reports because it is unverified information. Said company responded to my request by sending me a contract that list my name a customer ( co-borrower? ) but in fact does not have my signature on any of the spaces provided for customer signature, in fact the only person whose signature is recorded on the contract ( on two separate signature lines ) is XXXX XXXX  ( customer ) and the sales person ( XXXX XXXX. ) I feel this is not verification that I entered into a contract neither with XXXX  or Perfection Collection and because this is unverified by law they are required to remove this information from my credit report they have yet to do that, in fact they have added another collection to my reports (XX/XX/XXXX ) from the same company ( XXXX  ) for a larger amount.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
They continue to report inaccurate information BECAUSE unless the consumer opens a dispute or notifies them of that incorrect information they do NOT receive updates from the lenders in a real time environment - only negatives. The XXXX credit score is a  minimum of ten points lower AFTER paying down debt and submitting numerous complaints. This has severely impacted our financial ability to obtain mortgage and other finance and if we do at adverse terms to us. I have included a document as an example. 

You and they continue to NOT answer my question concerning Off Shore processing and handling of information which I believe contributes to this incorrect information being assimilated to lenders we inquire of. By their own admission verbally and written the correct information might take months to reach them. Hence their calculations concerning FICA or Credit scores are erroneous end in some cases eliminate us from consideration from better financing immediately. 

Also- key is we have no recourse to prohibit those who " INQUIRE '' hence lowering our scores and their so called " security freeze '' and by their own admission is worthless! They CAN NOT STOP these inquiries. In our opinion - another built in fraud from people we never gave permission to review our report to. We and other consumers have no method to remove them!!! In the case of shopping they totally avoid the permission to shop. Scores dive immediately. Yes, this is similar for those in the CFPB who review these reports BECAUSE you do nothing about correcting or assisting we the consumer and citizen- that Is fact BY YOUR OWN WORDS! Basically go get yourself a lawyer. For what? No sane lawyer would take the issue on a Pro Bono basis as you know and totally cost prohibitive for the average person.

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