BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX of XXXX, I atarted to recieve notice from XXXX  that changes had been made to my credit report. I got in touch with Experion to find that there where two physian offices that had sent several bills to a credit agency for nonpayment ... I have never recieved these bills, and if I had recieved a bill I would of called to let them know that my visits should be paid Medicaid, wich I have had for the past 25 years.. When I went to my Drs appointment they took a copy of my insurance, and Driver License that had correct address on it. I am not just understanding why these bills where never sent to me ... I hve contacted the collection agency and they stated that they sent bills to an address that I have not lived at in 15 years ... I also tried to give them my medicaid information and he stated that it was to late to bill Medicaid due to some of the bills are several years old. i contacted Medicaid and they stated that they will only pay past due bills that are only 3months old no exception. Now i dont understand why would I be held responsible for these charges if they have a copy ofmy Medicaid card, drivers license, and complete address. if they did not except Medicaid why woould they see me? If for some reason they could not bill medicaid I should of been informed so I could of at least try to figure out the reason for nonpayment, wich doesnt make since to me due to I am 100 % covered through Medicaid. Below are the companies that are involved XXXX XXXX. XXXX  {$510.00} Collection opened XXXX balanced updated XXXX XXXX XXXX. XXXX  {$2000.00} Collection opened XXXX XXXX Balanced updated XXXX XXXX  XXXX.of XXXX Texas {$360.00} Collection opened XX/XX/XXXX Balance updated XX/XX/XXXX XXXX XXXX  XXXX  {$290.00} Collections opened XX/XX/XXXX Balanced updated XX/XX/XXXX All of these debts where placed on my vredit at the same time ... from years ago and I can prove I had Medicaid at these time and someond dropped the ball and did not bill Medicaid and didnot take the time to send the bill to me and the collection agency still has not sent me abill even after my phone call to them..They keep adding these depbts back on my account as if they are knewly opened accounts ... .so my credit rating is dropping. please help me fix this situation ... .The collection Agency is CREDIT SYSTEMS INT IN

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of the errors was this debt for {$490.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and the collection agency was not able to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: FIRSTBANK PUERTO RICO
State: VI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 I wrote a check for {$45.00}. This check was cashed by the depositor on XX/XX/2017 and although I can assume this person only received {$45.00} when they cashed the check, my account was debited {$2000.00}. I have electronic confirmation of this debit amount. I am also able to access a copy of the check via online banking, and can see that check # XXXX has not been altered in any way, therefore feeding my assumption that the depositor only received the intended {$45.00}. When I noted this mistake on XX/XX/2017 I contacted the bank via the online banking portal in order to submit a claim against the transaction. I received an automated message in return, on the same day, confirming that my claim had been made. On XX/XX/2017 I also sent an email to a representative from my bank branch, asking her to assist with the matter. She replied on XX/XX/2017 to let me know that the claim was under investigation and that it could take up to 10 business days to resolve the matter. She told me that she would contact me on XX/XX/2017 to follow up. She did not ever send this follow up message. In between XX/XX/XXXX and XX/XX/2017, I also called the bank via the customer service number given in my online banking. Over the phone I was told by a bank representative that my claim was being investigated, that she could confirm the details of my complaint and see the incorrect transaction, and that the money would be returned to my account by XX/XX/2017. Yesterday, on XX/XX/2017, the money still had not been returned. I called this same customer service number given in my online banking. I was given similar information by this customer service representative -- that my claim was being investigated, they were not sure why it was taking longer than expected, that the details of my complaint could be confirmed and the incorrect transaction could also be confirmed. This customer service representative told me that they had no information regarding when the claim would be handled. I was told to keep calling back until it was handled. I was not given a deadline for when my money would be returned. I am now contacting your bureau in hopes that the bank will be forced to respond to and handle this claim/complaint. I want my {$2000.00} returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
According to federal law 15 USC 1681a Transunion  has repeatedly violated this law for continuing to report an alleged debt that has never been validated by the original creditor or myself. I have submitted numerous debt validation letters to the company and they provide a statement that the debt has been verified however, they have NEVER provided me the method of verification of who they spoke with from the original creditor, name, phone number. I have never verified the alleged debt from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-04-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After receiving my credit report, I am a victim of Identity theft. I am enclosing my Identification, Identity theft report from the Federal Trade Commission. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
There is a reported loan on my credit report. The company 's said that I co-sign on their loan. This is not true and I have no idea whom this person is. Sallie Mae XXXX XXXXXXXX, XXXX, DE. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
on or about XXXX of XXXX i started shopping around for auto insurance quotes. although i am happy with my current insurer i was just looking around. i was declined by several insurance companies for accidents on my clue report. apparently there is a bodily injury accident among others reported by XXXX  XXXX XXXX for a XXXX XXXX XXXX on XXXX XXXX in missouri a totally different person, drivers license, etc. XXXX XXXX XXXX referred to me to lexis nexis, whom i contacted initially on XX/XX/XXXX and filed a dispute. i have been told several stories from representatives, the recent one on XX/XX/XXXX where the rep stated that that the information could not be deleted until the insurance company responds. yet another representative advised me that if they dont hear from the insurance that the dispute would be ruled in my favor. different rep from lexis nexis and i get a different story. I have never been insured with XXXX  XXXX XXXX, i never lived in missouri nor did i have any accident with anyone on XX/XX/XXXX or XX/XX/XXXX. i keep getting the run around by lexis nexis and the possibility of incorrect information on my clue report places my insurance and premiums in peril. i also sent a written coppy of my dispute on XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Ally financial repossessed a XXXX when I tried to make the payment to them XXXX hours prior they also

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 2021-12-12
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving mail for debt that was never mine but rather the responsibility of my XXXX  insurance company. The error has been corrected, but I am still receiving harassing mail from third parties I have no business with. The latest is Credit Collection Services - XXXX XXXX XXXX, 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 2017-04-16
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been working diligently to improve my credit scores and to my surprise today XX/XX/2017 Navient updated interest to student loan appearing on my credit report which caused a XXXX point decrease. They have remarked that my account is in a deferment status so how and why is interest being updated on my credit report. Further more no one at Navient has explained to me what a forebarence means vs deferment. No one has truly helped me to understand my options and what to do about student loans. This incident truly devistated me and I am in a very depressed state because of this. I have no clue as to what to do for this student debt to help my credit and not hurt it. Because of that kind of decrease it could cause other lenders to decrease my credit limits or deny me credit. This whole time I was not made aware of what a forbarence is.. or how it can affect me. At this point Navient needs to recalculate all interest on the student loan debt and be more detailed in ttheir explanation of what I should do. I am also seeking consolidation as 10 separate payment transactions will cause suspicious activity alerts to the institutions I would have to use to even make payments. I do n't agree with the infest that keeps getting updated that is affecting my debt to income ratio I thought evrything was on deferment and I surely did not know that my scores would fall because of interest reporting to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently reached out to Transunion about unauthorized inquiries I found on my report. The agent I spoke to told me to file a police report for fraud. I went to the police department here in XXXX, XXXX. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Transunion yet again and was told to file a complaint here. 
This is the list of inquiries that Transunion refuses to remove that I did n't authorize. 
XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.

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 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted a complaint to Transunion regarding an item listed on my report by XXXX. The account has been on my report since XXXX and has already been removed from the other XXXX bureaus. The dispute was initiated on XXXX, it is now XXXX, this dispute has surpassed the alloted time period of 30 days and I demand that this item is removed from my report immediately. 

Here is a copy of the original message : I have an account on my Trans-Union credit report from ( XXXX XXXX ) that has been found invalid and removed from XXXX and XXXX. The account had been previously deleted but returned and has now been on my report since XXXX, I would like for this erroneous account to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have been locked out of my account and existing funds on said account since the middle of XXXX. 

Coinbase is saying my account is " under review '' but I have re-verified all of the information that they asked for identity verification purposes multiple times now. 

There are funds in the form of cryptocurrency on the account that I have been unable to convert, sell, withdraw, etc. 

I feel this is unjust and negligent on their part seeing as I put hard earned capital into my Coinbase account in good faith that I would be able to access it after the investment grows. That capital investment has since done good in a particular coin that they seem to have liquidity issues with, and now they're not letting me make any additional trades. 

I have opened up multiple tickets to try to expedite the " review process '' but the customer service is terrible and they keep sending me back an automated reply instead of actually answering my questions honestly. There is a total lack of transparency on their end. 

I believe they have a liquidity issue with a certain cryptocurrency and they are using " account review '' as an excuse to block me from trading ; because they reviewed my account history and see that I am only buying and holding the coin they're super short on. So much for a " free market ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-12
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX, part of XXXX XXXX, has referred to Professional Credit Services, XXXX invoices totaling {$130.00} as unpaid. I haver communicated with XXXX XXXX XXXX XXXX to no avail. These amounts are fully paid and I have provided the dates, amounts and check numbers as to when they were paid. 

I suspect fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: AR
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Monterey Financial Services LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Complaint against XXXX XXXX. 

** I received a flier to attend a presentation on these amazing traveling adventures to thousands of destination. Once at the place of presentation, people were described how you could buy a travel package that would allowsnyou to take vacations very affordable. In end, I and my wife were convinced to buy a package. The arrangement was buying a package without down payment. During the presentation, the place was packed with people. Then time to sign the document arrives. The people rushed us through signing stack of document with excuse that they were running short on time. Few days later, we got a call from a representative of the company asking to go over package we signed. To our surprise, they made us sign documents with dollars amount totally different to what agreed on during the presentation. At that time, we disputed those numbers and the understanding was that a manager would get back to us to straighten out the issues. No one ever got back to us. Since then, it has been a nightmare with this company. All the phones have only voice mail. We never heard from these people as to how someone takes advantage of their package. To make it worst, thus company is taking money from my bank account and they have send information to credit bureau despite not agreeing on the terms of the company. {$15000.00} are being reported on my credit file and {$4500.00} being reported to my wife credit report. We are disagreeing with these dollars amounts. I am helpless as to how to resolve issues with this company. I am asking to cancel this contract with this company since it is a scam. I am asking them to stop stealing money from my account. I am also asking them to remove information from my wife credit report and mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the four individuals leading the XXXX. 

Appreciate assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Hilco Receivables LLC
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I financed a dining room table from XXXX XXXX, XXXX in XXXX Oklahoma in XXXX 2015. I discovered the table was damaged shortly after it was delivered and assembled. I called the store and informed the manager of the damages. He offered to trade out the table for a different table in the store. However, there was no other table I was interested in. I asked him to just re order a new table. He informed me the next day that my table is no longer in stock so it cant be replaced. I then informed him to come pick up the table. The next day the table was picked up and I was told the contract I signed was now null and void. A couple of months later I received a collection call regarding payment for the table. I explained that I no longer had the table and I should no longer have an account with XXXX XXXX, XXXX. The representative apologized for the mistake and said he saw in the notes that the table was returned. I was told by the representative of XXXX XXXX, XXXX, that the account would be erased from my credit report within 60 days. Over two years later the account is still on my credit and is in a negative charged off state. The account is inaccurate and incorrect and should not be found anywhere on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Select Management Resources, LLC
State: OH
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't contact lender

Complaint:
I applied for a loan with Loan Max in XX/XX/XXXX At which time I opted out of receiving text messages and electronic communications. During XX/XX/XXXX a representative began texting repeatedly and stated she could and would continue to text and there was nothing I could do about. The representative of Loan Max stated as long as I owed money she could do what she wanted. In addition to texting the representative would place calls to me from her personal cell phone. I repeatedly requested to speak to the management team and was told they did not have the managers phone number nor the number to the corporate office. 
I request and will allow Loan Max to forward all electronic text messages that took place between myself and the representatives of Loan Max. 
My car has been repose and the value far exceeds the balance of r he loan. My vehicle is a XX/XX/XXXX XXXX and the balance of my loan is XXXX and the low end XXXX value is {$16000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief