BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The inconvenience that I'm having with CMRE is that I have a medical bill that they're collecting on, thing that I didn't knew it was that I still owed that when I thought that everything was already paid since I had paid other medical bills, The problem is that time later I check my credit report and there is a medical bill from them and I never got a notice or warning at all and then I call CMRE with the intention to pay to get it removed out of my credit report but they refused to because apparently they do not remove or request deletion to the credit bureaus once they get their accounts paid, but I explained the situation very clearly that I never got any notice of this bill ( literally how do they expect me to pay them something I didn't even knew I owe before it was placed into collections! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I found my credit report with Experian has been frozen. I have tried online to unfreeze at least 5 times, I have also sent in writing three times to a XXXX XXXX XXXX Texas three forms  of sensitive identification i.e SS number, passport, bill with address. 
I can not reach ANYONE at the company and there is no email to find out if my information has been received. 
My account is still frozen and I am VERY CONCERNED that my personal information could be in anyones hands. 
The worst part is there is literally no way to reach them. 
Before I have an identity problem can you please help me and unfreeze my credit but more importantly assure me my personal identification is safe. 
Please contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX 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 2020-05-01
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: Public record information inaccurate

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED A BANKRUPTCY ON MY CREDIT FILE WHICH I HAD NEW KNOWLEDGE OFF. THIS ACCOUNT WAS NOT AUTHORIZED BY ME AND I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER. THIS BANKRUPTCY HAS BEEN REPORTING INACCURATELY ON MY CREDIT FILE AND I AM DISTRESSED BECAUSE I HAVE NO IDEA HOW LONG IT HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FILE. I AM REQUESTING IMMEDIATE REMOVAL OF THIS BANKRUPTCY 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 2018-01-08
Company: Paypal Holdings, Inc
State: WI
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, I authorized a PayPal purchase from XXXX XXXX in the amount of {$86.00}. Previously learning from a PayPal representative that I must manually go into my account to switch the payment method from my checking account BACK to my preferred method of PayPal Credit, I did so, so the purchase would post to PayPal credit. When I checked my bank account, PayPal had deducted the purchase from my CHECKING. Upon calling PayPal because I knew I manually switched the payment method to the credit option, the representative confirmed that I did go in and change it, but PayPal switched it back because, basically, THEY wanted to. PayPal negated my choice and just took money out of my checking account without the authorization from me for this purchase. This is the SECOND time they have changed my payment method without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Collins & Hilton Asset Group, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They keep hitting my credit every 7 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Avadyne Health Holdings, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
H & R ACCOUNTS INC at XXXX XXXX XXXX, XXXX, IL XXXX has been sending me collection notices in the amount of ( {$800.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRUIST FINANCIAL CORPORATION
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:
After having impeccable credit history for across 20 plus years years with XXXX, I received a late payment notification from credit bureau. I had no idea a financial obligation was owed on said account because due to covid, I had to send my employees to unemployment including my office manger. XXXX supposedly tried to reach out via an old phone ( not on the most current app ), and the office number by autodialer never leaving a voicemail because the autodialer could not get through the system. XXXX was understanding of the situation and advised as a " curtesy '' they would remove the late payment. Which to date they still have not removed from any of the 3 agencies. Upon notification of the late payment, I contacted immediately and made payment. They are breaking multiple laws affected by congress with covid. I am a small business owner and had extreme financial hardship. That said I still would have paid the bill before the late period had I KNOWN it was due ( my office manger had perviously paid and thought it was on auto pay ). I have disputed the late payment and they " verified '' instead of holding their end of the agreement which is required by state and federal 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
Consumer complaint received 2017-07-28
Company: EQUIFAX, INC.
State: TX
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:
I called Equifax today after a creditor was unable to pull my credit report, and I was told that my credit file had been placed with the office of consumer affairs. They are blocking access to my credit report and creditors are unable to access my file. This is causing me to miss out on being able to apply for a mortgage. Additionally, I am unable to gain online access to my credit report as they have blocked me from that as well. I was told by a representative in the consumer affairs office ( she refused to give her name ) that access was blocked because I disputed the incorrect spelling of my name and addresses that were not mine. As a result of seeking an accurate credit report, I no longer have timely access to my credit report and potential lenders are not able to access my file. Additionally, I called back and spoke with a XXXX XXXX who said that the reason why Equifax was blocking access to my file was that my credit file was " randomly chosen ''. This is a direct contradiction to what I was first told - ( clocked because I disputed the incorrect reporting of my name and address ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: ID Analytics, Inc.
State: TX
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:
On XXXX XXXX, 2017 I purchased a vehicle from a XXXX dealer in XXXX, Texas. The auto loan was to be secured with XXXX XXXX. I received documentation on XXXX XXXX, XXXX that XXXX " must regretfully inform you that we were not agreeable to handling the proposed transaction as submitted. We would, however, be agreeable to handling the transaction under the modified terms which have been relayed to the dealer. '' The letter goes on to state that XXXX  reported my credit score as XXXX but SageStream , LLC reported it as XXXX. On Friday, XX/XX/XXXX at XXXX Central Time I called SageStream , LLC 's number listed on their website to obtain a copy of the report to determine why score is so much lower than XXXX . The call is answered by an automated message and goes straight to a recording after selecting the option for a copy of my report. The recording asks you to leave a detailed message and I will receive a call back during normal business hours. A quick XXXX search brought up multiple reports of other loan applicants with similar stories. The theory is that SageStream receives a kickback from certain banks for submitting low credit scores in order for the loans to be renegotiated for the bank to earn a higher interest on the loan. One bank, XXXX XXXX, was named multiple times. As such, I am filing this official complaint because there truly may be something to the theory that XXXX XXXX and SageStream are colluding to make consumers engage in loans with interest rates higher than warranted. This seems to be especially compelling considering I have already paid a down payment on the vehicle and need the auto loan or risk forfeiting the vehicle and would be out the down payment for a vehicle I have driven for less than one month.

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 2017-09-20
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX XXXX I responded to a PNC promotion called " {$30.00} for 15 minutes '' here : https : //www.pnc.com/XXXX XXXX  On XXXX XXXX I received a call from XXXX XXXX. We set up an appointment for XXXX XXXX at XXXX. I mention the promotion, she is not familiar with it, so I email the link to her. I never receive a reply. 

On XXXX XXXX at XXXX, while I am stuck in traffic driving to this appointment, I receive a call from XXXX to tell me that they have cancelled the {$30.00} promotion early and wo n't be honoring it. I cancel our meeting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my home on XX/XX/XXXX with Rocket Mortgage/Quicken Loans. Before closing, I provided Quicken Evidence of Insurance documentation for my FHA loan showing a full balance due of {$1900.00} to be paid by the Mortgagee ( see attachment ). At closing, Quicken only collected 4 months of insurance for a total of {$650.00} and subsequently only paid {$160.00} to my insurance company. On XX/XX/XXXX, Quicken made an unanticipated disbursement of {$1700.00} to my insurance company. I called Quicken and asked why they made an additional disbursement and their only resolution was to spread the shortage out over 24 months. I should not have to pay for their mistake. On XX/XX/XXXX they made another unanticipated disbursement out of my escrow account iao {$1900.00} to my insurance company. I contacted Quicken via email the same day and was told the additional disbursement was made to prevent a lapse in coverage and to send any refunds from my insurance company to fund my escrow account. I now have a deficit of - {$3700.00} in my escrow account due to poor origination AND servicing. This is EXACTLY how consumers are setup to fail. I provided all the required/accurate documentation upfront and am looking at a payment increase that will exceed what I am able to afford. Where is all of this money? I want Quicken to pay for their mistake iao {$1700.00} and find that extra disbursement they can't account for to put back to my escrow account. Please help as my requests to them have fallen on deaf ears.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Bull City Financial Solutions, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BULLCITY FINANCIAL SOL at XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX has been sending me collection notices in the amount of ( {$320.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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: Problem getting your free annual credit report

Complaint:
I have not been able to access my Equifax credit report online. I am ALWAYS able to obtain my XXXX and XXXX reports. It seems like Equifax has built in a frustration factor meant to deter people from easily obtaining there credit reports. The " http : //www.annualcreditreport.com/ '' site is useless for Equifax but works properly with the other two. This has gone on for four or five years. My credit and identifying information is known to me ; I am not answering Equifax ' challenge questions improperly. It's impossible to speak with a human at Equifax. So, that route isn't helpful. 

Please help me to motivate Equifax to allow me, as a consumer to access my credit report online. It's 2022. Please and thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
call at place of business and all hours of night, claim a debt from XXXX randomly send threatening letters. Credit Collection Services in XXXX, MA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today, XX/XX/XXXX @ XXXX, I spoke with XXXX ( ID # :XXXX ) in the Chase Corporate Office concerning, my checking account and the Chase Collections Department ( s ) unlawful and unauthorized withdrawals of my " personal '' cash deposits/monies deposited in my " personal '' checking account to cover my own debts. I shared with XXXX that I have monthly withdrawals from a Life Insurance Co. coming out of my " personal checking account '' ( tonight, usually paid on the XXXX of each month ), I shared with her that I " needed '' to speak with a Chase manager ( during our telephone call ) ; however, she REFUSED to allow me to speak with a manager ( citing, a manager would be phoning me ASAP ), I shared with XXXX that I have already spoken with XXXX ( and wasn't requesting to speak with XXXX )., I shared with XXXX that XXXX telephoned me to report that she had received my complaint 's. I requested ( from XXXX ), the address of the CEO, I shared with her ( XXXX ) that I have written personal check 's " to be PAID '' from my personal checking account ( FREQUENTLY ), I shared with her that my ADULT daughter made payment arrangements with the Chase Collections Dept. for her own CHASE debt ( beginning, XX/XX/XXXX ), I shared with her ( XXXX ) that Chase shouldn't be withdrawing monies from my personal checking account ( to cover my ADULT daughters debt ), I shared with her that my " personal CASH monies '' deposited have NEVER ( in the past ) covered my daughter 's debt to her personal CHASE checking account ( in the past ). And, XXXX agreed with me. My daughter, is an adult. I am NOT responsible for my adult daughter 's CHASE debts. Tonight, I deposited {$94.00} to my " personal checking account '' for my monthly Life Insurance Policies {$28.00} and monies to cover my PERSONAL {$65.00} check. However, Chase Collections Department continue to unlawfully withdraw my " personal CASH DEPOSITS/monies '' from my " personal '' checking account to " cover '' my adult daughter 's previous CHASE debt 's ( in spite, of my external filed complaint 's ). In spite, of my many, many filed internal Chase complaint 's. In spite, of my adult daughter 's payment arrangement 's made recently with Chase. Chase, continues to assess " unlawful '' NSF fee 's to my personal checking account that is directly caused by Chase Collection Department Representatives ' unlawful withdrawals from my cash deposits ( made to my personal checking account ). For the record, Chase isn't to use my personal email or any other personal information provided for this CFPB complaint. I will fax, a copy of my proof of cash deposit into my Chase " personal '' checking account to the CFPB ( deposited tonight at XXXX, XX/XX/XXXX ) XXXX XXXX @ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company XXXX XXXX is a storage company that send a fraudulently abstained debt to a collection company named, AAargon Agency for an estimated amount of {$450.00}. I did not acquire this debt nor did I open an account at 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 explanation
Consumer complaint received 2017-07-31
Company: Commercial Recovery Systems
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CRS ASSOC, repeated calls daily about " failed Bankingtransaction '', threats of legal action daily, nothing is owed to anybody

Company response to consumer: Untimely response
Consumer complaint received 2018-06-05
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX continues to report an account to my credit report that was in previously opened and charges made without my permission the account was included in a Bankruptcy filing due to prior Id error the account was removed and added back to my credit file without prior warning

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 2019-05-13
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:
I paid a {$110.00} debt to XXXX XXXX directly instead of to the XXXX XXXX XXXX they used. 
I paid this in 2016. I still have it as a negative on my credit report. I worked really hard to get good credit, and neither company will do anything about erasing this. 
I called both XXXX XXXX and XXXX XXXX XXXX   XXXX agreed after looking at my account that I had paid it. XXXX will not remove this. 
Please help. 
Thank you.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Transunion Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX XXXX, XXXX 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 2018-01-08
Company: McCarthy, Burgess & Wolff, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ended my services with XXXX XXXX and returned all the equipment. I rec 'd a notice saying that one piece of equipment was missing and they sent a bill with that notice. When I showed them their receipt that shows all the equipment including the one in question was returned to their office, I was told that it would be corrected in their system. A few months later while purchasing a home I was told that there was a collection debt on my credit from XXXX in regards to the same bill/item. To purchase the home I had to settle with the collection agency and pay the bill for {$120.00}. I rec 'd documentation from the collection agency and from XXXX that the matter was settled in full satisfaction. Now 11 months later I rec 'd a notice from a different collection agency stating that I owe the full original amount again. I informed them of the settlement in satisfaction and sent copies of the settlement notices but to no avail. XXXX will not answer the phone or emails and my credit score is effected. Hold times to contact a XXXX customer service is always over two hours long. How do I hold XXXX accountable for their mistakes as they have held me accountable for mine?? How do you force a company to handle things properly besides boycotting them which I am doing. I will never use the services of XXXX again but need help correcting my credit score damage that they have done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation