BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: National Credit Adjusters, LLC
State: MS
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:
XX/XX/2021 {$470.00} I DO NOT AND DID NOT CONSENT TO YOU TO PLACE THIS ON MY CONSUMER REPORT THIS NOTICE IS TO CEASE AND DESIST ALL ILLEGAL ACTIVITIES WHICH INCLUDES REPORTING CONSTITUTEs COLLECTION ACTIVITIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Rent Recovery Solutions
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rent Recovery Solutions LLC claims me and my roommate individually owe {$310.00} as of XX/XX/22 to XXXX at XXXX XXXX. We paid all of our bills in a timely manner and XXXX at XXXX XXXX even sent us reimbursement money from our security deposit upon move out on XX/XX/22. So us owing money makes absolutely no sense. We also never received any emails or calls indicating we ever owed any money, which is illegal to automatically send debt to a debt collector. We have contacted XXXX at XXXX XXXX multiple times and its been weeks since they said they would contact us back, but havent every time we reach out. Please make sure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I 've been checking my credit score weekly, for the past few months, because I want to purchase my first home. When I checked it 3 weeks ago, I noticed that I had 3 new derogatory remarks from a debt collection agency. I called the agency, XXXX XXXX, to learn that they have reported an emergency room visit to XXXX hospital from 5 years ago, with 3 separate charges, and posted the date of the negative accounts with the current month and year. I tried to tell the representative that I did n't receive any notifications from them, nor the hospital, and I did n't owe anything on these accounts. He kept reading a prompted script, & would n't acknowledge what I way saying. I know I do n't owe XXXX hospital for any past services, because the last few times that I 've been there, they have me fill out paperwork stating that I 'm low income with XXXX dependents, and that qualified me for their medical assistance program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MI
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:
All of my personal credit information including social security number was made public in a security breech of Equifax. This I understand to some extent - although a massive security failure, they are likely under constant low level attacks. However, what I do object to, strongly, is that I did not find this information out from Equifax. Instead, I had to find it through the media, more than a month after Equifax discovered the leak. This is grossly negligent of the company, as many consumers may find they have suffered identity or credit theft that could have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a {$450.00} payment to Synchrony Bank on XXXX for the XXXX payment. The closing date for the previous month was XXXX. They credited my payment to the previous month and want an additional {$240.00}, as if I didn't make my XXXX payment. They will not cooperate with me via phone. I have had this trouble previously with the same company on a different 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 2017-09-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The company credit bureaus Equifax removed a collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX. I check my credit score on XXXX/XXXX/XXXX and saw my credit scored drop 10 points because of an old collection that was removed and put back on with out be being notified five days after it was put back on. 


The credit bureau XXXX removed a collection from XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX and also Afni XXXX in XXXX XXXX. I check my credit score on XXXX/XXXX/XXXX and saw my credit scored drop 10 points because of an old collection that was removed and put back on with out be being notified five days after it was put back on. 

These Accounts were disputed by Law Offices of XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Medical Data Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked the company to validate and verify the alleged debt but they have yet to show me proof. The company also violated HIPPA Laws and violated U.S. Codes under the FDCPA The company sent me an itemized bill with medicines and procedures listed from a hospital, but they didn't send me a contract. The accounts need to be deleted and the invoice needs to be paid or I will file a claim against the company for Hippa violations and FDCPA violations. I will also ask for remedy, defamation, and other damages.

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 2022-02-10
Company: EQUIFAX, INC.
State: CA
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 2022-02-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2021-11-04
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
PNC Bank took over all of my BBVA accounts as part of their merger/purchase. My checking account and credit card account are visible on the PNC website and funds are available. However, I also had a Savings Account with BBVA, account number XXXX XXXX XXXX, with a balance of {$3200.00} which as " disappeared ''. It is not listed on the PNC website. I contacted PNC and after much difficulty, was able to speak with an agent who informed me that the Savings Account was used as security for my BBVA credit card, and that PNC does not use Savings Accounts for credit card security. She explained that the money from that account is now simply a " deposit '' for the credit card. I have no receipt for that money and PNC is not willing to provide me a receipt for the money. I have a credit card with a limit of {$2800.00} and a Savings Account that had a balance of {$3200.00} - a {$380.00} difference. All I want is a receipt for the funds that were in my Savings Account and a final savings account statement showing what happened to the money that was in it. Right now, I am missing {$3200.00} with no savings account and no receipt showing where that money is. If PNC can not provide a receipt, I want the credit card cancelled ( there is no balance owed on the credit card ) and a check mailed to me ASAP for the {$3200.00} that was in the savings account that PNC closed. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account # XXXX. I notified Bank of America and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I am a victim of Identity Theft and have been a part of the XXXX Breach Settlement. My information has been compromised and I indicated this to Bank of America. Bank of America agreed that once the account was settled that the account would be deleted from my credit files. I have no knowledge of opening up this account. I have traveled in and out of the country and my personal information was exposed. I still see the accounts on my credit reports and ask that these accounts be removed entirely.

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 2017-09-08
Company: EQUIFAX, INC.
State: MD
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:
Earlier this week, Equifax announced they had a cyber security data breach that affected many people. Based on their link that tells you if you may be affected or not, my information may have been affected. This is unacceptable. I try to make habits of protecting my credit, and this company just negatively affected millions of lives. Based on the fine print, if I register to get a year of free credit monitoring, I forfeit my right to sue. This is also unacceptable. Just because someone may have took my information does not mean they will use it within a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Experian data breach exposed my drivers license, social security number, date of birth, and other private information. Then they charged me {$10.00} to freeze my credit report. They provide free credit monitoring but only if you sign away your legal rights later on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My coinbase account was hacked on XX/XX/2021 around XXXX. The hackers sim swapped my phone number after I had changed my high security passcode with my phone provider XXXX XXXX by XXXX and secured all my devices. It seemed like an inside hacked to me. They were able to bypass my high security passcode and 6digit PIN. The hackers login in from a new IP address XXXX requested to reset a new password, so Coinbase gave the hackers a new password to log into my account on their brand new device without having to wait for 24 hours. Every time I requested to reset my password on my XXXX XXXX I had to wait 24 hours to reset a new password. If coinbase followed their own 24hour password reset protocol as stated in their website to any new devices my account would had been prevented from hackers. I was able to intercepted the hackers and disabled my account on XX/XX/XXXX around XXXX. But it was too late, as soon as the hackers was in my account they transferred all my XXXX to an external address. 
Date : XXXX XXXX XXXX  PDT Amount : XXXX ETH ( $ XXXX ) Address : XXXX Date : XXXX XXXX XXXX  PDT Amount : XXXX ETH ( $ XXXX ) Address : XXXX After they transferred all my ethereum, they also purchased {$4300.00} worth of Bitcoin from my linked bank account. They converted to ETH and transferred to an external address. 
Date : XXXX XXXX XXXX  PDT Amount : XXXX ETH ( {$4000.00} ) Address : XXXX From the information Ive gathered, coinbase is very much at fault for what happened, because none of the above seemed to raise red flags, or triggered security measures to stop it from happening. 
Coinbase should had froze all my funds that was being transferred to an external address especially after I let them know that my account is compromised and I disabled it around XXXX knowing that was not my wallet. I emailed coinbase support asking them to freeze any transactions or withdrawals that was made around XXXX but did not a get a response back about the issue. I also filed formal complaint with coinbase on XX/XX/XXXX, and received a bot response required more time to investigate. Please help me get back my life saving and hard earned money. Thank you and looking forward to a resolution. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
my auto loan account with XXXX XXXX XXXX has been reported as 30 days pass due, which is inaccurate. 
Date : XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
In correspondence dated XXXX XXXX, 2017, I mailed this credit repository my request for a dispute, as my credit report contained an erroneous entry. Now that over 30 days have passed I have found this company barely investigated the item and my report is still largely incorrect. In addition, when I reached out the data furnishers to request for validation documents, I did not receive anything to validate the entry. Instead, they requested me to fill up a form and send additional information. From what I read online, FDCPA requires collection companies to provide proof/validation documents upon consumer 's request within 30 days. Another thing that I do not understand is XXXX REMOVED this invalid entry from my report. My credit has been damaged due to this incompetence, negligence and none compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Date : XX/XX/2022 at approximately XXXX PST. 

United wholesale mortgage ( UWM ) does not have oversight of required insurance policies. I received a notification to update my XXXX XXXX XXXX XXXX and to submit my insurance information through XXXX XXXX XXXX The notification indicate my condo policy expired on XX/XX/2022. 
But my policy shows the policy expires on XX/XX/2022. 
I uploaded my policy, and it was rejected without reason. 
I tried contacting a representative about it. 

But the webpage XXXX XXXX XXXX does not have a working contact number ( XXXX ) XXXX as indicated was discontinued. So I contacted the representative over at UWM servicing about my insurance submission at XXXX the representative told me she was not able to make any updates to the account regarding the insurance policy I have submitted. In addition, can only advise me to re-submit the same policy through the same portal, without a field for explanation. 

My property is a Condo so the master policy is under the HOA association 's name. However I can't communicate this fact to the servicer because the system doesn't allow it. I have also gotten a personal XXXX insurance under my specific name and uploaded that onto the portal just to attempt to resolve the issue. But I was still rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TX
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:
With regards to the Equifax cyber security incident announced on XXXX XXXX, 2017 : Equifax, through its grossly negligent handling of private information, has endangered my and millions of other Americans ' social security numbers and other private information. They have opened up our lives to the ever-present risk of identity theft through their incredibly inappropriate mishandling of our personal information. To add insult to injury, they have placed the onus on us to ensure that our leaked information is not abused instead of taking any semblance of responsibility for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MD
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:
Regarding the Equifax data breach in Summer 2017, and that my information was among that stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX ( didn't remember this number ) Account type : Credit card Date opened : XX/XX/XXXX Status : Paid, Closed. {$1.00}, XXXX written off. 
Status updated : XX/XX/XXXX Has violated my rights. 
It keeps saying : Potentially negative. Erase this from my credit Report. 

2 ) Account name : XXXX  XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status : Open. 
Status updated : XX/XX/XXXX Balance : {$940.00} Balance updated : XX/XX/XXXX Recent payment : XXXX XXXX  Monthly payment : {$25.00} Credit limit : {$1800.00} Has violated my rights. 
It keeps saying : Potentially negative. Erase this frase from my credit Report. 

3 ) Account name : XXXX XXXX XXXX Account number : XXXX Account type : Auto Loan Date opened : XX/XX/XXXX Status : Open. 
Status updated : XXXX XXXX Balance : {$1400.00} Balance updated : XX/XX/XXXX Recent payment : XXXX XXXX Monthly payment : {$370.00} Original balance : {$12000.00} Highest balance : {$0.00} Terms : 54 Months Has violated my rights. 
It keeps saying : Potentially negative. Erase this frase from my credit Report.

15 U.S.C 1681 section 602 A. States I have the right 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 explanation