BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was hospitalized on XX/XX/XXXX. I provided both of my insurance cards on the date of treatment. I did not receive any hospital bills. In XX/XX/XXXX Capio Partners whom I do not have a contract with placed a collection account on my credit reports for {$1400.00} on the behalf of XXXX XXXX XXXX. I disputed the validity of the account and also reminded Capio Partners that they were in violation of the HIIPA Laws. Captio Partners could not validate this alleged debt but instead sold my personal information to XXXX XXXX. XXXX XXXX is now trying to also collect the same debt for {$1400.00} on the behalf of XXXX XXXX XXXX. I did not authorize nor sign any records for XXXX XXXX XXXX to share my personal information with any third party company. The date of service in question I provided insurance cards to the hospital. I have proof of coverage for the date in question. I have proof from my insurance company that XXXX XXXX group did not make a claim for the referenced amount for that date nor the time frame allotted to file a claim. I spent one hour on the phone with XXXX XXXX XXXX representative and he agreed my insurance was not billed but I would need to show proof I was insured at the time in which I did the date of service physically and the MyChart application for billing shows both of my insurances. Ive contacted my insurance companies to obtain proof again in which XXXX XXXX knows and XXXX XXXX XXXX. I spoke with XXXX XXXX who could not validate the bill but stated if I show proof of insurance for the time in question XXXX will stop trying to collect. Ive provided proof of insurance to both companies however this medical collection has damaged my credit profile. XXXX bought my personal information from XXXX XXXX who bought my personal medical information from XXXX XXXX XXXX is a violation of my rights. Ive asked XXXX XXXX to Cease however the company has not. Im not responsible for this debt as previously stated. XXXX XXXX XXXX has and always had my insurance information on file. I provided my insurance ID Card at the date of visit. I had and still have insurance coverage. I have proof my insurance was not billed on the listed charges by XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX to disclose my personal health information with XXXX XXXX or XXXX XXXX who are trying to collect on the behalf of XXXX XXXX XXXX for a null and void bill based off XXXX XXXX XXXX negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX Portfolio recovery / XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have violated my rights. 

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 : also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was informed by XXXX credit reporting agency that a credit check had been requested. Our credit score was negatively effected by this request. I did not authorize this action and made no application for credit. This inquiry was made by J.P.Morgan Chase, XXXX XXXX XXXX, XXXX. XXXX, New York XXXX. Our home bank is Chase Bank in XXXX. To our knowledge we have not had any interaction with the New York Bank. This led us to fear this inquiry may have been initiated by a fraudulent attempt to use our information to obtain a credit card or some other financial service. We inquired with our home bank and were told they had no information that would indicate Chase had asked for the report and were told to call XXXX. After very long delays on the phone XXXX told us we had to call Chase. We attempted to reconnect with Chase bank but were unable to because of the very long delays and lack of response. 

Remedy - Chase bank needs to communicate with us regarding this unauthorized request and remove this negative item from our credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My account was charged {$960.00} to my Paypal card. I filed multiple claims and appeals and have not gotten this resolved. I was told to file a police report in which I did. I was then told no further information was provided and I would not be refunded. This is a large charge in the middle of a pandemic I did not purchase. PayPal refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: PA
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX ). Please be advised that under Section 611 ( a ) ( XXXX ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$7100.00}.

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 2021-02-16
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received an alert that a collection had been added to my credit report by a company called Credit Management in the amount of {$190.00}. I submitted a Debt Validation immediately via Certified Mail, Return Receipt. The letter was held for 20 days before Credit Management signed and returned the green card on XX/XX/XXXX. It has now been over 70 days since I requested a debt validation from Credit Management and they have still failed to respond but have updated the collection on my credit report as of XX/XX/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 2022-01-09
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:
Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. The accounts to removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
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:
Experian, for the third time is reporting that my account is closed and in dispute. That is in fact a lie. I believe that Experian has employees that are manually going in each and every time they can to lie. I believe that Experian higher ups are not monitoring this. This is the third time that Ive disputed this particular account. The other Credit Bureaus XXXX XXXX and XXXX are reporting the account correctly and that Ive never had it in dispute. It is only Experian XXXX reporting such false info. This is my third complaint through the consumer financial protection bureau about Experian. Experian updated the account on XX/XX/23 showing that the account is active and had no balance and then on XX/XX/23 they report the account again with the current status which states, The account is closed and is in dispute. 

I hope that Experian is monitored by the consumer financial protection bureau to find out just how many others are being affected like this. I can not believe that I am the only person that has spiteful and really XXXX people with absolutely no life that are working for Experian hassling people like me. Those people need to be sued. And may just be they one to sue them Experian needs to be sued, too! Those people at Experian have no life! Its obvious! Theyre about as XXXX as it gets. And they know it! 

Additionally, I figured the Experian XXXX. If I find any more irregularities, I will complain again, again and again. This entertains me! 

Lastly, I recommend anyone and everyone that has irregularities on their credit bureau report to report them to the consumer financial protection bureau and monitored their report by the day. This is the only way that those XXXX and XXXX XXXX at Experian will understand that I will make it one of my missions to deal with them and win unlike them XXXX lollllllllllll

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 2023-02-24
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( SCHOOLSFIRST ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. I used to have a mortgage with Shellpoint Mortgage Servicing ( " Shellpoint '' ), which got refinanced in the XXXX  of XXXX. 

Shellpoint used to collect escrow on the old mortgage, and when the mortgage got refinanced, Shellpoint refunded the escrow back to me via two checks in the amount of {$68.00} ( check # XXXX, issued XX/XX/XXXX ) and {$5400.00} ( check # XXXX, issued XX/XX/XXXX ). I got the checks in XXXX and deposited them right away, in a timely manner, on XX/XX/XXXX. Unfortunately, the checks bounced. 

I have been in touch with Shellpoint ever since. Shellpoint gives a different story every time. Shellpoint asks for documents, promise to call back, to escalate, provide case numbers, escalated case numbers, etc, etc. Their last story is " the checks got cashed ''. I did not cash the checks. I need to get my money back. 

Please help me get my money back. 

Sincerely, 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 2023-11-08
Company: DISCOVER BANK
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discover continues to report a debt they claim was an error in their computer system, I reported the situation to the police in December of 2022 because they continued to tell me they were fixing the situation and they did not. I am requesting that the identity theft related debt be removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Balance : {$340.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$59.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} - This medical account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & HIPAA authorization because I did not agree to have any of my medical information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. 

XXXX  XXXX Balance : {$860.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.

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 2023-09-02
Company: Pacific Retrieval LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There saying that I owe {$2400.00} for a car there saying was under my name when that is not true the only car I have had under my name is the car I have currently and I have has if for about 5 years the man that keeps calling Me has been very rude telling me that I need to pay it or he's gon na sue me in a very aggressive tone he also said that it's on My credit I told him I never had another car so how can I have a debt for a car I never had he then says you need to pay it or there gon na take legal action so call us when you have the money and hangs up. I don't know how my name is associated with this vehicle or how he got my number he has called 4 times very rude

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: The CBE Group, Inc.
State: MN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Charter communications said that the equipment was not returned. They turned it over to a collection company called CBE group eport Number XXXX It was disputed with XXXX and they found that I did in fact return the equipment. They deleted it off the credit report. On XX/XX/XXXX. 
I am a XXXXXXXX XXXX XXXXXXXX getting ready to pcs move XXXX and they sold whatever information they had to XXXX XXXX. They now put this back on my credit report XXXX. XXXX after it was already settled with the previous company. This is not a debt that is owed. I now can not rent and I have a wife with XXXX XXXX XXXX and an XXXX  child.

Company response to consumer: Closed with non-monetary relief