BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-23
Company: A.C.S. Companies, Inc. I
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Acme has contacted me through mail and by phone about a XXXX dollar balance of some sort of bill. I have tried to reach out to the agency several times to verify what the bill is for, who the original creditor was, and as well repeatedly requested copies of the original bill to verify it belongs to me and for what causes. Acme representatives have been extremely rude and have even resulted to sending me letters making false accusations with ALL CAPITAL LETTERS which seems a very aggressive form of communication. When I ask who the original creditor is and for them to verify the account is or was mine previously I am directed to multiple agencies and circled back around. In more detail I am told by Acme I need to contact the previous collection agency for any billing questions and when I do that I am routed rightfully back to Acme because the previous agency is not the current or active agent for trying to collect some debt no one can verify or show physical proof of. The company has threatened to take legal and credit reporting actions against me without proper cause or resolving or addressing anything to do with the bill itself allegedly claiming this is a debt in which I have occurred I haves sent several letters to the company including certified request and still the company refuses to address the verification of the bill. I informed them If this was from a particular incident that I would be more than willing to provide them with the insurance I had at the time if there was somehow some billing error and the insurance company was not billed but the company has refused to take the opportunity to resolve as the many other attempts I have made. The company has also falsified the address to which they have mailed documentation to me. I feel they have purposely sent mail to the wrong address to falsely warrant evidence of them sending documentations to me. The only reason I received one particular letter is because a neighbor I knew hand delivered it to me. The company claimed in its last letter to me that I have ignored them yet I have copies of the certified letters I sent as well as the receipts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions Inc.
State: TX
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:
ThisXX/XX/XXXXXXXX account no. # XXXX was opened in XXXX and closed in XXXX by the creditor and no payments were made on it since that time. I started disputing this account in XXXX with XXXX XXXX and based on the date of activity in XXXX this account became obsolete and should have been automatically removed in XXXX. I even disputed this account again in XXXX with XX/XX/XXXX Experian, and XX/XX/XXXX and still received no results. XXXX XXXX continues passing this account by selling it and leaving it open. This is not right, because this account is over 12 years old and should have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, Monday to Friday XXXX XXXX This is the company that emailed me in XX/XX/XXXX about a debt that I supposedly owed to telecheck services they said that the debt was given to them by the previous a collection agency but the debt was only {$10.00}. I called and asked them to explain and they said it was from the XXXX XXXX XXXX on XX/XX/XXXX which isnt true at all I then went on to ask how did they get my information and he ignored me and started asking me if I would like to pay it today and that he was ready for my credit card information so I then hung up the phone. This is the email context I received, XXXX XXXX XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX, which was previously being collected by Professional Bureau of Collections of Maryland , Inc. We will use any information you give us to help collect the debt. 
And they had my full name and address as well I just dont want anything that has to do with collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: TD BANK US HOLDING COMPANY
State: CA
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:
Due to the Covid19 quarantine in XXXX county in XX/XX/2020, my household financial income was affected and thus I elected to enter into my Target Redcard proposed payment plan to help with making payments. I in effect closed my Target Redcard account and entered into a payment plan. At that time I was in need of paying my XX/XX/2020 minimum due in the amount of about {$32.00}. When applying for the payment plan which i was subsequently approved for, I understood from the text of the agreement that the XXXX payment would be optional since the first payment to be drafted was dated XX/XX/2020. This is what the application stated, however upon checking my credit report the following month, I showed 30 days late on my Target Redcard for missing my XXXX payment. Until i applied for this payment plan due to Covid19, I had Never Missed A Single Payment on my Target Redcard. i had paid my card on time for the previous 8 years, never missing a payment and going 30 days late. I disputed this originally in the spring and was told the dispute was " resolved by grantor '', however it still shows a 30 day late mark on my credit score. This is very important to me that I resolve this problem. I am currently enrolled in the above mentioned payment plan and pay each month a fixed amount to my Target Redcard. This dispute was corrected under my XX/XX/XXXX credit report via XXXX XXXX on XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
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: Information belongs to someone else

Complaint:
I have Been a victim of Identity Theft. I did not authorize these Accounts

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 2021-03-26
Company: BAM Management US Holdings Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I made 2 separate deposits on XX/XX/21 and XX/XX/21 into the account at Binance.us that I set up in order to trade cryptocurrency. I was informed that I would not be able to make a withdrawal for ten days after each deposit. It has now been much longer than ten days since my first {$1000.00} deposit and I have not been able to withdraw any USD or ADA from my account. They do not have a phone number to reach them at, and I have attempted multiple times to contact them with their messaging service to no effect. I have since searched around on the internet and have found several other complaints about them seizing people 's funds for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within

thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.

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 2021-03-26
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a credit card with BBVA Compass for approximately 4 years. On XX/XX/20 I moved to a new address and changed my address with my BBVA bank account and credit card at the BBVA Branch in XXXX XXXX, CA. I updated my address on the phone and in the branch a total of 3 times. I did not receive any credit card statements for 3 months. I did not realize a {$1.00} XXXX charge had snowballed due to late fees and penalties as I never received the statements. BBVA had my wrong zip code and they were mailing my statements to the wrong city XXXX XXXX XXXX, Ca ) Subsequently, BBVA charged off my account for {$25.00} to settle this {$1.00} charge. It has negatively affected my credit score due to an error on their end that I tried to correct 3 times. The {$25.00} I paid also not correctly reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Im writing to you because I noticed that my most recent credit report contains a late payment reported in XX/XX/2022, for my Discover Bank account. 

I understand and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I was separating from the military and was waiting on my XXXX income to make payments on my account, so at the time I was not working. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for a mortgage, and it has come to my attention that the missed payment on my credit reports could hurt my ability to qualify. 
In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This account has no accounts tied with my credit all of the ac ounts are gone This also this not verified by the court

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 2019-09-13
Company: CITIBANK, N.A.
State: PR
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:
Multiple Hard Inquiries were made without my consent or incorrect dates and followed credit bureau instructions to reach the lenders but they havent been able to help.

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 2017-09-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Chase Credit Services abuses Hard Credit Inquires for simply increases in credit card limits. Unlike other credit card services I have used, Chase rapidly and freely submits hard credit inquiries without the customer 's knowledge. This drives down individual credit ratings and allows Chase to charge higher credit card interest rates.
My example : Applied for a Chase Slate Card onXX/XX/XXXX - Chase ran a hard credit report which was expected and I was informed. It was approved. Three days later onXX/XX/XXXX, Chase ran another hard credit report ( and of course got the exact same result ). They contend I was not happy with the credit limit and asked for more. This I do not recall but certainly did not expect ANOTHER hard credit report to be run.
Again onXX/XX/XXXXChase cited another credit increase request to run yet another hard credit report.
Chase is manipulating the credit reporting without clearly informing the customer about added credit reports. This drives down personal credit ratings and allows higher interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Harris & Harris, Ltd.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX, I lived in an XXXX XXXX ( WI ) and was traveling in XXXX  I was issued a {$100.00} " XXXX XXXX XXXX  '' non-criminal traffic ticket ( complaint number XXXX XXXX in XX/XX/XXXX in XXXX. In XX/XX/XXXX was arrested, handcuffed in XXXX for failure to pay ticket. 

In XXXX of XXXX, I appeared in court XXXX case number XXXX XXXX to settle all debts and pay all fines. I wrote checks to the court and went on with my life. I never heard from that court or was notified of any additional fines. 

XXXX of XXXX, I moved to XXXX and began forwarding all my mail. I have not heard anything, I pay all my fines and bills. Today, Im the XXXX  of company, married and my credit score is XXXX on XX/XX/XXXX I received a notice from Harris & Harris of Chicago a debt collection agency that works with Circuit Court in XXXX XXXX Il of an outstanding debt of {$130.00}. 

The issue here is, circuit courts around the country have had a pattern of issuing fines, fees, warrants and mandatory court appearances with the goal of producing revenue not protecting society or maintaining order. The ethical implications for such practices should be examined. This instance is a prime example of how these court systems behave. Please investigate why a Circuit Court in XXXX, XXXX is sending a {$100.00} to collections after 16 years long past any Statute of Limitations has expired.Please hold someone accountable for the terrible bookkeeping but more importantly sitting on a debt and not notifying the recipient when they made every attempt to stay in contact, pay all fines and pay all debts to society. 
This is only {$100.00} and I could easily pay it and supposedly be done but the precedence of such an institutions in mass behaving this way toward all of society should be examined and corrected. I worry for the people with less means under the thumb of such an unethical and error prone legal system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have allot of medical bills damaging my credit. I can't even get a apartment on rent so I can live In peace. I talked to a paralegal and he said that medical bills shouldn't be apart of your credit. Please remove this. The company name Is 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 explanation
Consumer complaint received 2023-06-13
Company: Kriya Capital, LLC
State: IL
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:
this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and CREDENCE RESOURCE MANA will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-23
Company: EQUIFAX, INC.
State: WI
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:
I contacted all three credit bureaus via certified letter requesting that the investigate this XXXX XXXX account that has been closed and to delete it from my credit report due to them violating the FCRA laws which state that they must report accurate information and to respond to the consumer within a timely manner which they have not. This has cause my credit score to decrease and me to be denied credit for a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Monterey Financial Services LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2020 Loan Company Credova Financial LLC, ( online loan application sent for approval. Came back approved for XXXX take to the store for your purchase of product ). 

Online/Credit Report states : Monterey Financial Services Got inside the desk clerk stated said that yes you are approved I said I  wanted to put XXXX down so I will not have to pay a lot of money on the loan because I don't have a job. Cordova do not ask you about employment information only bank account information that is how you get approval. When I called Cordova to talk and explain to them they hold on let me get you over to Monterey. I explained to them but I filled out the online application with Cordova. It looks like Cordova is the cover for Monterey Financial somehow. The Consumer reviews list 135 reviews with a 1 star with the same issue they fill out loan with Cordova then they come back with leasing information when we ask for a loan not leasing. I called and tried to explained that I did not have job that was money I was saving up and wanted  to help local stores and my XXXX by losing XXXX family members due to XXXX the lady responded well you should have thought about that before you used it on a puppy. She did not hear me say that I was elderly and needed a companion. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX for XXXX XXXX DOB XX/XX/2020 believed to be a toy but puppy is already out of toy range will be full grown Yorkie. Price XXXX+puppy pack150+taxes XXXX. If I want to buy the puppy out right XXXX XXXX +applicable fees or taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2021-07-04
Company: EQUIFAX, INC.
State: PA
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/21 XXXX XXXX, received the following phone text from XXXX : Re : Your EQUIFAX acct. has been temporarily frozen for fraudulent activity! Please resolve Immediately : XXXX XXXX XXXX ( tap to load preview ) Went online to check out who XXXX is. Nothing comes up. The only XXXX  to be found is on XXXX for a craft ( and other offerings ) site named XXXX. 

I did not contact Equifax since this XXXX  site doesn't exist. I knew immediately that this is a FRAUD OR SCAM.

Company response to consumer: Closed with explanation