BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-06
Company: Accelerated Receivables Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had XXXX at my doctors office in 2014 and they used a lab that was out of network with my insurance. I was told by my healthcare provider that this company has more comprehensive testing and has agreed to not bill for denied test and deductibles because I am using a out-of-network lab. My insurance posted all of the charges to my {$1500.00} deductible. Now 2 years later I am receiving invoices and calls from a collector for {$1300.00}. The lab company apparently filed for bankruptcy and a collector has bought all their account receivables. My doctor has called them on my behalf and explained that the only reason they used this lab is because of their stated billing policy. If my bloodwork had been sent to my network lab they would have paid and the deductible would not have applied. They are extremely rude and tell me that my doctor and I broke the law by even having this type of agreement and that they are going to report us to the proper authorities.They threaten to report me to the credit bureau 's. 

The bottom line is this collections company is trying to collect a debt that I am not responsible for and they will say and do just about anything to get it. The bankrupt lab is currently being sued by the lab that purchased all its assets because of these very collections practices that they are using.

Company response to consumer: Untimely response
Consumer complaint received 2015-03-23
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to call and not provide any information about why they are calling or the debt they are attempting to collect. Then they threaten me by saying I am being taken to court. They call my work phone and my cell phone daily using robocalls. 
The company name, they say is ADR Group or Alternative Resolution Dispute. But I can not find them online. The number they sometimes answer is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Kohl’s continues to report negative information on my credit report. I’ve received multiple notifications from the credit bureaus and XXXX XXXX indicating that this account was removed from my credit reports, that’s untrue as the account is still reporting negatively. I’m requesting for this account to be removed immediately. I’ve attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to file a formal complaint regarding a discrepancy I have encountered between my credit reports from XXXX and Transuion. The issue pertains to certain items that were removed from my XXXX credit report following an investigation, while these same items remain on my Transunion credit report. Please See Attached. I initiated a dispute with both XXXX and Transunion to address the inaccuracies in my credit report. XXXX conducted an investigation and subsequently removed the items in question from my credit report. However, Transunion has not taken similar action, and the items remain on my credit report with them. I am concerned about the inconsistency in how these items are being handled by different credit reporting agencies. I kindly request the following actions Conduct an inquiry into the investigation and verification process used by Transunion for these specific items. I request transparency regarding how they verified the accuracy of this information and any communication they had with the reporting entities. Remove the disputed items from my credit report if they are unable to provide verifiable evidence of their accuracy. Ensure that Transunion follows the same investigation and resolution standards as Transunion to maintain consistency and fairness in the credit reporting process. I am committed to resolving this matter promptly and appreciate your assistance in rectifying this issue. I value the importance of accurate credit reporting, as it directly affects my financial well-being and opportunities.

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 2017-03-22
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good Morning, I am in need of your assistance. I have been trying to get a loan modification from CitiMortgage since XX/XX/XXXX, due to the fact of my sister being laid off. During that time I was scammed from a company called XXXX, from XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX. I was hands on with what the bank was requesting and provided XXXX with all documents. I would frequently check online to make sure the bank received all documents, which they did. 

In XX/XX/XXXX/XX/XX/XXXX, I received a court order to attend a preliminary conference, at which time XXXX backed off, this is when I realized I was being scammed. At this time I had to hire an attorney, to take over and accompany me to court. From XX/XX/XXXX/XX/XX/XXXX-present I have not received a determination. I have been getting the run around from the bank ( CitiMortgage ). They email me as well as my attorney requesting the same documents over and over. In which I provide them with every time. I also contact the bank constantly to find out the status of my file at which time is when they advise me, every time, that it is in underwriting, this has been going on for years. Ever-so-often they change the person handling my file, which in turn causes the entire process to start over again, Requesting an entire packet as when I first started the application in XX/XX/XXXX. 

At time my sister has gained employment and we are more than capable to pay our mortgage, at a lower rate. I am contacting you for your assistance, as this has been going on since XX/XX/XXXX. And I have been getting the run around. I have lost sleep, this has been a major strain on my family/marriage. It has affected my health, because I do not know if one day I will receive a letter advising me that I will lose my home. 

Thank you, 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 2021-06-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello PLEASE HELP and please read : ( I have been assessed with tons of fees due to my unemployment lapsing for three weeks, during this time I told to stop overdraft protection and to stop all transactions so I wouldnt have this happen. The companies said they cant do anything and only the bank can. XXXX Early XX/XX/2021 is when it started happening ) Please I will do anything if you can just do a courtesy reversal or something : ( I am late on rent because of this and some utilities : ( I also have XXXX and dealing with that sadly and its really up to you guys to help please : ( I will do anything : (

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: January Technologies, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Collection agency using broadcast email to fish for whomever it is that owes this debt. They are giving out personal information to the public which should be illegal. Either that, or this is some form of phishing scheme. Either way, it's illegal. 

Email Text : ===================================================== XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This is January reaching out again about your overdue balance of {$250.00} for the account ending in XXXX. As a reminder, we've been hired to collect on your XXXX XXXX XXXX XXXX balance. This account was originated by XXXX XXXX and the current creditor is XXXX XXXX, XXXX. 

Paying back your entire balance might feel impossible. We understand that XXXX, inflation, or a loss of income may be affecting you. If you're experiencing financial hardship, you can apply for a settlement and ask to reduce your balance.

Request Settlement Check Our FAQs All you have to do is complete a 5 minute survey describing your finances. 

We'll never charge you a fee for using our payment portal. 
Complete the process online via our secure portal. 
Over 75 % of consumers who apply qualify for a balance reduction. 
Have questions? Reply to this email and we'll respond as soon as we can. Or call us at ( XXXX ) XXXX. 

XXXX is an accredited and A rated business with the XXXX XXXX XXXX  ( XXXX  ). It is also a certified member of the XXXX and XXXX. 

Best, XXXX at January XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
Company: Experian Information Solutions Inc.
State: IL
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:
This is a medical collection that is being reported illegally on my credit report. This is violating my privacy and HIPAA law. I would like for this account to be removed from my credit profile within thirty ( 30 ) days from today or you are opening yourself up for litigation. 

XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened on XX/XX/2023 2023

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 2017-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
I live in an area affected by XXXX in XX/XX/XXXX. Although my own home thankfully suffered only minor damage as a result of the storm, our entire region experienced hardship for weeks and months afterwards, including roads blocked in many places by fallen trees, power outages, lost work and business, gasoline shortages, cancelled school and school buses, and more. As you can imagine, this had significant effects on my personal finances at the time. Due to a combination of personal hardships we were already delinquent on this and other accounts at the time, and we now struggled even more with our credit card payments. 

( It took us several months to get back on our feet but when Bank of America offered a settlement in the XX/XX/XXXX we stretched ourselves and neglected other bills to make the sizeable installment payments and close out this debt. ) Bank of America reached out to us shortly after XXXX offering special payment accommodations and fee waivers for customers in affected areas for several months ; however, Bank of America is now reporting delinquencies to the credit bureaus for the months after XXXX. 

In addition, the total balance that Bank of America is reporting for this account includes late fees and other charges that were improperly assessed in the period following 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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: FlexShopper, Inc
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received first letter from XXXX XXXX XXXX dated XX/XX/XXXX requesting payment for a debt from original Creditor: FLEXSHOPPER LLC For the amount of $XXXX. this is not my debt and I have had no contact with FLEXSHOPPER.  I then sent within 30 days a letter to them stating that this is not my debt. #1-I asked for full name and mailing address from the original creditor for alleged debt. #2-i request documentation showing you have information that i am responsible for this debt. #3-Documentation showing you are licensed to collect debts in my state. I also asked them to cease trying to collect this debt. I then received a second notice on XXXX XXXX XXXX from a second agency XXXX XXXX   for a second attempt to collect on the debt from FLEXSHOPPER LLC. in the amount of $XXXX.  I sent a second letter to XXXX   within the 30 day period requesting the same information and asking them to cease their attempt at collection on XX/XX/XXXX I received a letter from the XX/XX/XXXX program manager which included a copy of the FLEXXSHOPPER LLC RENTAL-PURCHASE AGREEMENT/LEASE for the alleged debt. The address of the original purchase does not belong to me. The Bank account associated with this clam does not belong to me. THIS IS NOT MY DEBT and i would like this resolved so it does not affect my credit.

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 2019-10-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contacted Navient by phone on XX/XX/XXXX to switch the bank account from which my automatic payment is deducted. The company informed me that the only way to do this is to cancel autopay from the old account and then re-enroll with a new account -- their system would not allow a customer to simply substitute a different account. The customer service representative informed me that I would not lose the 0.25 % interest rate reduction that comes with auto pay if I cancelled and renrolled. I then canceled the old account and immediately re-enrolled in autopay with the new account. I did this 21 days before my next payment was scheduled to be deducted. 

On XX/XX/XXXX, I viewed my online account and Iwas still not re-enrolled in auto pay for that month 's payment, which was scheduled for XX/XX/XXXX. In fact, my online account showed that I would not be in autopay until the following month 's payment on XX/XX/XXXX - seven weeks after I simply tried to switch the bank account from which my auto payment would be deducted. In addition, Navient removed the 0.25 % interest rate reduction from my account so I am now being charged a higher interest rate and there is nothing I can do about it ( see the attached billing statements showing the increase from 4.5 % to 4.75 % ). I called Navient and asked the company immediately make sure I was in auto payment and to give me the interest rate reduction that comes with auto payment, but they refused. The company said they would reduce the interest rate when I was fully back in auto pay, but that could take another 5-7 business days - which would be over two weeks since I simply attempted to change the bank account my auto pay comes out of. It is unfair to charge me the extra 0.25 % interest for this period. Presumably this is happening across Navient 's servicing portfolio, and the company is earning this inflated interest rate on any customer who wants to switch bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attempted to call and resolve and open balance I have with XXXX. I was trying to clarify exactly what I was being billed for as I had satisfied my out of pocket debt on this already. The hospital re-routed me to Central Financial Control to a Debt Collector named XXXX, ID # XXXX. 

I was confused as to why account was in collections in the first place. I asked him for clarification of what this bill was and told me it was for a hospital visit under Physican ( left blank for privacy ). This made no sense to me as this physician does not work at this hospital and is in fact my doctor at a completely different private practice called ( left blank for privacy ). 

I asked for a detailed summary of the charges and the collector said he would send me to me. All was fine here until he decided to tell me that he would be reporting this on my credit history. I asked why he was threatening me before providing the requisite details and he then proceeded to tell me that If I did not satisfy my debt that my credit would be affected. 

I simply wanted full disclosure and clarification on my debt before paying as I believe it is not correct. I feel his tactic was a veiled threat and that was acting outside of the parameters of his job. Because he provided incorrect information on doctors and visit dates, along with threatening my credit, I feel he attempted to force me into payment without following proper procedure. 

To be clear, I pay my debts. In this case I feel there is a mistake and do not appreciate threats from debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Back in XX/XX/XXXX, I contacted XXXX cellphone insurance plan through XXXX XXXX XXXX for a replacement. I ordered an XXXX XXXX XXXX XXXX for a deductible of {$290.00} on XX/XX/XXXX and that phone never reached my door as the insurance adjuster intercepted that phone and it was sent back to warehouse. I called XXXX XXXX XXXX and XXXX together to get this issued resolved and so another XXXX was sent to me on XX/XX/XXXX and I received that one. 

On my billing for XX/XX/XXXX I see 2 charges on my XXXX XXXX XXXX bill and I called XXXX XXXX XXXX and they said that I had to call XXXX to resolve this. I called XXXX  and nothing was done to correct the issue. I called again in XX/XX/XXXX and wrote the name of the representative and said it would take 2 to 3 billiing cycles for a refund. But that never happened either. 

My XXXX XXXX XXXX bill was very wrong for 4 months because the overcharge was not refunded in a timely manner and XXXX XXXX XXXX closed my account and now I owe XXXX XXXX XXXX {$3900.00} in XX/XX/XXXX. I tried to make payment arrangements with XXXX XXXX XXXX but still with no refund I could not keep up being charge late fees for owing XXXX XXXX XXXX so I said I could not pay it and I let it go and went to a government paid subscription with XXXX as I owned my phone XXXX XXXX Active. 

I had my BCM ( Blended Case Manager ) XXXX help contact XXXX and she was taking notes from the call as I was speaking to them and I received an email from XXXX on XX/XX/XXXX that they have just refunded my XXXX XXXX XXXX account {$290.00} and I did not agree with that decision when they are guilty under law to refund the overcharge of an XXXX which I never received and now the account is in collections. I did contact XXXX  representative immediately after I received my bill. 

I have disputed the collection with Credence Resource Management , LLC and nothing is being done because now I am contacting CFPB for reporting XXXX   negligent to refund in a timely matter when it was their mistake when their insurance adjuster intercepted the first XXXX XXXX XXXX XXXX and I never received it. But yet XXXX billed XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I had signed up with XXXX XXXX XXXX BOGO in XX/XX/XXXX before my ending of my billing cycle. I was told by XXXX XXXX XXXX representative that I would start seeing credits for the BOGO in 2 to 3 billing cycles but never did. Once XXXX billed me for an XXXX XXXX XXXX XXXX on XX/XX/XXXX my bill was too high and wrong and XXXX XXXX XXXX never gave me the credits because XXXX  billed me wrongly and should be held responsible for my XXXX XXXX XXXX account collection. 

XXXX  XXXX XXXX XXXX XXXX, TN XXXX No Phone number All transactions done online through XXXX and XXXX I did receive an email from a representative and it is in the documents that I have provided.

Company response to consumer: Closed with explanation