BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. XXXX, Transunion, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy.

These addresses do not belong on my credit report. 

XXXX CT XXXX, MD XXXX My name on the report was spelled XXXX XXXX. which is incorrect, please remove it.

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 2021-12-05
Company: Dynamic Recovery Solutions, LLC
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: Information belongs to someone else

Complaint:
Dynamic Recovery Solutions LLC placed an inaccurate collection from XXXX XXXX on my XXXX credit report. I do not have an account with XXXX XXXX. I never opened an account with XXXX XXXX on XX/XX/2021. Neither company can give me an explanation on the collection. This inaccurate information needs to be removed immediately. This is not my collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently found out that I am a victim of identity theft. A fraudulent account was open with this company. I sent the company a dispute letter, police report, and FTC report. I have not received a response from company. Its been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XXXX-17 began sending Ad Astra Recovery Services multiple documents to show proof that I had any debt owed. Even though they did reply with documents, the documents were rejected because they did not show that i made a contract direct with Ad Astra Recovery Services. They are a third party interloper. On XXXX-2017, one day after they confirmed receipt of the estoppel with fees, they replied back trying to collect money and did not pay the {$100.00} dollar fee as listed in the estoppel. When they did that, they violated the estoppel. I replied with a bill in the amount of XXXX due no later then XXXX-2017 in which they have ignored and have not paid. There are also late fee charges of {$1000.00} per day and as of today the total is {$12000.00}. I think they did this on purpose and i consider this abuse. They have failed to pay and still has me listed on the credit bureau. This company is neglecting my common law rights and is flirting with being a abusive company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am XXXX XXXX ... PayPal email associated is XXXX. I have a balance of {$4100.00} usd remaining in my permanently limited PayPal account. I am not satisfied with the account limitation placed on my account because I dont feel as though I have breached the Pay pal terms and conditions or the the user agreement guidelines. I have tried with several attempts to contact someone with PayPal to assist with my current problem. Nobody seems to want to help. I already completed 180 day hold term not only once but nearly twice now. If there is any way someone can help me with assistance on getting PayPal to restore my account or making my funds available to transfer? I dont even want to continue do any further business with them. I will close the account as soon as my funds are withdrawn. The only other people I could think of contacting about this issue is the XXXX. My name is XXXX XXXX XXXX XXXX I will be attaching my Identification card photo and a case reference number as well XXXX is my contact number. Thanks whoever this may concern for considering my request for help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: JPMORGAN CHASE & CO.
State: AR
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:
ALL 4 BUREAUS ARE FALSELY REPORTING THIS ACCOUNT CHASE AUTO LOAN XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: Creditors' Service Bureau of Niles, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditors Services Bureau is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account.

This assumed debt was charged off after an internal credit in the amount of the loss in order to XXXX  out the balances and close the account. The loss balance is then transferred from the XXXX XXXX XXXX to the XXXX XXXX XXXX which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been XXXX out and the contract has been satisfied. 

This consumer is only responsible for the XXXX  account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then Creditors Services Bureau has no claim. 

I hereby irrevocably refuse to consent/contract to Creditors Services Bureau agency because there is no law required for this consumer to do so. Until Creditors Services Bureau agency can provide a lawful authority by which this consumer is subject to comply with submitting to Creditors Services Bureau or jurisdiction in violation of my rights to be free of involuntary servitude. 

This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) Creditors Services Bureau is hereby warranted to Proof of Claim in Arbitration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: LA
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:
Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medical information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to XXXX medical records. I know for a fact i did not give ANY provider permission to share my medical information. The reporting agency needs to remove ALL accounts on my credit report. In addition i will be filing lawsuits against these creditors for violating my medical rights. I have ALREADY disputed these accounts the EXACT same way and they 've come back verified. How? Did you recieve a medical release form?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My wife and I both had savings accounts with Citi Bank for the past year or so. Every time we had a question our call was routed to The XXXX, XXXX, XXXX or who knows where. After getting fed up with the customer service related to attempting to do on line transfers from my Citi Bank to another bank ( 4 times attempted over a 30 day period with multiple calls resulting in verbal and written correspondence to me assuring me the issue was fixed ... ... the transfer continued to fail. ) That was the straw that broke the camel 's back with us. ( 2 ) weeks ago we both called into Citi and requested our accounts be closed. We were assured that they were closed and my wife received her $ check via UPS ( 4 ) days ago but I am yet to receive mine. I called again ( 2 ) more times and some rep by the name of XXXX told me yesterday morning that she would immediately get me a UPS tracking number and call me back. Another lie!! No call returned. I have $ $ that needs to be refunded to me immediately. I retired from over ( XXXX ) yrs. of a banking and financial services related career and this is the absolute worst I've ever seen! Please help me.

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 2022-04-29
Company: JPMORGAN CHASE & CO.
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: Reporting company used your report improperly

Complaint:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX, XXXX and/or XXXX ) credit report XXXX My latest credit report shows Jpmcb XXXX XXXX XXXX credit inquiry/inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've called HP Sears multiple times, faxed three ( 3 ) and wrote to them four ( 4 ) times including the request for Validation Letters that I'd sent to the reporting Vendor. 
I've asked that they verify Per the Fair Credit Reporting Act, 15 U.S.C. 1681. To please PHYSICALLY verify and VALIDATE as required under the FCRA all of the following data on all the below accounts : ALL DATES, FULL ACCOUNT NUMBER, ACCOUNT STATUS, PAYMENT STATUS, ACCOUNT BALANCE, HIGH BALANCE, TYPE OF ACCOUNT, CREDIT LIMIT, DATE OPENED, MONTHLY PAYMENT AMOUNT, PAST DUE AMOUNT, ORIGINAL AMOUNT OF TRANSACTION/LOAN, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY, AND REMARKS regarding a collection that they have been reporting on my report since XX/XX/2021. 

I've written to XXXX requesting VERIFICATION on XX/XX/2021, XX/XX/2021, XX/XX/XXXX, XX/XX/XXXX. 

They have yet to provide the required data.

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 2017-09-27
Company: AMA Advisors, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Purchased a home with an FHA mortgage and a XXXX XXXX Homestyle Renovation loan. I am seeking to terminate the Renovation loan and have the loan balance applied to the principal balance of my mortgage and the company refuses to terminate the loan. Originally held by XXXX XXXX, the mortgage or renovation loan portion of the mortgage is currently administered by HomeBridge Financial Services.
HomeBridge had indicated that if I did not re-apply for an extension of the loan, the loan would be terminated. I did not apply for an extension, but they did not terminate the loan. 

I contacted HomeBridge and demanded the termination of the loan. HomeBridge has refused to terminate the loan. 

HomeBridge demanded an appraisal of the property, which I consented to, and an appraisal was conducted on XX/XX/XXXX. 

I have made numerous, almost daily, requests for a copy of the appraisal, and have always been told by several individuals at HomeBridge that they do n't have a copy of the appraisal and have never received a copy of the appraisal. I contacted the company that conducted the appraisal and they related the following : the appraisal was tendered to HomeBridge on XX/XX/XXXX ;  on XX/XX/XXXX, HomeBridge requested modifications to the appraisal ; on XX/XX/XXXX, a modified appraisal was tendered to HomeBridge. The appraisal company had also sent copies of the appraisal to a company called XXXX XXXX on XX/XX/XXXX. Representatives of XXXX XXXX informed me that they too sent a copy of the appriasal to HomeBridge on XX/XX/XXXX. The last time I contacted HomeBridge demanding a copy of the appraisal was XX/XX/XXXX. The HomeBridge representative at that time told me that HomeBridge never received a copy of the appraisal. 

I have requested the termination of my renovation loan, HomeBridge refuses. 
I have requested a copy of the original appraisal conducted on my property, HomeBridge has actively misrepresented to me that they never received an appraisal when in fact they received several copies of the appriasal and requested modifications to same ; I have requested a copy of the modified appraisal conducted on my property, again HomeBridge consistently states they never received a copy ; HomeBridge fails and refuses to respond to requests for information ; HomeBridge fails and refuses to produce information regarding my loan ; HomeBridge representatives have consistently given me divergent and conflicting information regarding my loan and the process for the termination of my loan. 

For more than one month I have been attempting to work this out with the company. Again, the company, rather than addressing the issue, either ignores me or lies to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX a fraudulent account was opened in my name at coinbase. I have contacted them several times and they wont close the unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am responding to an inquiry on my credit report from Southwest Credit Systems about collecting a debt that is not mine, and that I do not owe. You contacted me by phone on several occasions and refused to identify yourselves and provide any information regarding the alleged debt. After further investigation on my part, I see from my credit report that the originating company is XXXX, with whom I have current service and an up to date account, with account # XXXX XXXX XXXX XXXX. This is the only account that belongs to be with XXXX. 

I have been in dispute with XXXX since transferring my service from one address to another back in XXXX 2019. I contacted XXXX 30 days prior to moving to notify them of my move so that services could be transferred. I also confirmed the total amounts due, which I paid in full. XXXX made several mistakes from that point on, prompting several more calls back to them to resolve. Then, they still failed to turn the services off at the old address, and someone else has been using the services in my name. I have filed a fraud claim and several disputes. 

This is NOT my debt and needs to be removed from my credit and any other associated accounts with my name or I will pursue legal action as this has negatively affected me. 

I do not have any responsibility for the debt you are trying to collect. 

Unless you have documentation that you can provide to me at the address above, that proves this debt belongs to me, which is impossible, as this is not my debt, this item needs to be removed immediately. 

Please also stop all other communication with me and with this address, and record that I dispute having any obligation for this debt until it is removed. Additionally, since this has been reported to the credit bureau, please update that this is disputed until it is removed. Again, this should be removed from anything associated with my name and /or address. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act : ( XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX XXXXo ) Account # XXXX, ( XXXX XXXXr ) Account # XXXX, ( XXXX of XXXX XXXX ) Account # XXXX, ( XXXXXXXX XXXX XXXX  Account # XXXX, ( XXXXXXXX XXXXXXXX XXXX Account # XXXX, ( XXXX XXXXl ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX XXXX XXXX ) Account # XXXX, ( XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXXXXXX ) Account # XXXX, ( XXXX ) Account # XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-08-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/2019, Best Buy informed me that the credit limit on the account was decreased from {$2500.00} to {$350.00} due to my inability to make payments on the account due to becoming unemployed which the company was informed of. A written letter claims it was due to my credit score dropping. Currently, if I do not make a payment the account will be charged late fees as well as potential over the limit fees. Until recently, within the last three months, the account was always current and payment was made on time for numerous months in a row never going over the limit. None of that effort was taken into consideration. I'm reasonable and understand that payments have to be made and that there are consequences but lowing a credit limit to the point of potential double fees in not reasonable.

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 2022-10-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Contacted XXXX XXXX to inform them about a collection showing on my credit reports, I informed them that I did not know where this account came from and I never had a account with XXXX  XXXX XXXX and I was residing in California at the time this account was reported. THey asked that I verify my address by sending them a utility bill from that time the account was reported in which I did, also they sent me a fraud packet which I filled out and returned. Thus far there account has been deleted from all my credit reports except from Equifax. This account recently re reported to Equifax on XX/XX/2022 for {$370.00} which is inaccurate information because this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
XX/XX/22 JPMCB CARD RE. We need to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Bay Equity LLC
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: Reporting company used your report improperly

Complaint:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report . My latest credit report shows XXXX XXXX XXXX credit inquiry/inquiries that I did not authorize.

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