BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-29
Company: Credit Bureau Collection Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CBCS is trying to collect a debt for {$37.00} for an injection not covered by Medicare Health Plan Insurance. 

CBCS represents XXXX XXXX XXXX XXXX XXXX for a service of injecting some medication which was not approved by my Medicare Health Plan Insurance as medically necessary needed for my treatment, consequently, I am not financially obligated to pay the {$37.00}. Medicare said that if not covered by my health insurance plan I don't have to pay it since I did not know at the time of the service for what the physician gave such injection. 

XXXX XXXX XXXX XXXX XXXX and CBCS are aware that I am covered by Medicare which is a fixed contracted price service which approves medically necessary medication only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo Mortgage accepted my application XXXX XXXX and provided me with 3 pre-approval letters. My issue is the untimely response to my completions of application of my loan after the offer was accepted and contracts were submitted to WFM. Because of their untimely review and decision which took place 24hrs before my closing date, it caused me and my family to be homeless. WFM had all of my financial information over 60 days with constant submissions of updated documents prior to them receiving the contract, setting and confirming closing date. No information was provide to the reason of them cancelling my loan 24hours before closing, nor did they provide with what I qualified for other than the pre-approval letters which I received. WF also sent correspondence to the property that they pulled the loan from, why? No valid answers to their process was provided. My information was in their possession for more that enough time for thorough review and decision prior to closing. My closing was scheduled for XX/XX/XXXX at XXXX and I received a phone call on XX/XX/XXXX at XXXX EST with the conversation starting with " Ms. XXXX XXXX am sorry to tell you this ... '' I sent am email around XXXX EST the morning of XX/XX/XXXX requesting closing instructions. I never received a response other than that phone call at the end of the business day. 

A simple apology does not correct the problem nor does it provide me with a home to live now that their negligence has caused me and my children to be homeless. They confirmed closing date, I ended my rental agreement with a schedule move out of XX/XX/XXXX. A apology does not cover the cost of monies lost due the contract termination date. Had WF done their due diligence in a timely manner, I would have been eligible for a refund. Due to WF not responding, lack of communication and sense of urgency to the deadlines set forth in the contracts that are required, I was not eligible for a refund of $ XXXX for offer placement, {$650.00} for appraisal and {$870.00} for inspection.

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 2021-01-21
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: Information belongs to someone else

Complaint:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2022-09-27
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Victim of Several Data Breaches. Victim of Identity Theft. I have submitted info to XXXX, Equifax, and XXXX since 2015, A THOROUGH look shows no negative before 2015 Then major/ minor violations on my credit report. I do not have negative information on my credit report. Ive nerved misssed any payments. I have never applied for any mortgage. All of my accounts are in good standing with payment history of 100 %. Remove all negative / closed accounts from reporting.Remove all Inquiries relating to any account not in good standing. Any account closed is simply because the Creditor refuses to correct the account as requested by affidavit sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: MoneyLion Inc.
State: SC
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:
Moneylion incorrectly reported me as 30 days past due in the months of XXXX, XXXX, XXXX, and XXXX. In the case of Moneylion, the company would not show reflection of payments made for up to 14 days after the payment made. They even reported me late In XXXX when the loan had already been paid IN FULL by XX/XX/XXXX. 

In this case, I will need credit report adjustment as well as a credit for a misapplied payment that was double charged and not applied in the amount of : XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX Additionally, money lion has failed to apply points to my account in the amount of XXXX points for special offers. Please process a payout in the amount of XXXX to cover the existing XXXX points and close my account once credit adjustment and other adjustments are complete.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: NJ
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:
I submitted a letter to the 3 Credit Bureaus to delete these unverified and unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt owed is from a XXXX XXXX account. Jefferson Capital Systems , LLC owns the debt. The collections account was opened on my credit report on XX/XX/2019. I have been using straight talk or XXXX XXXX XXXX as a phone provider for over 5 years. This debt should not be on my credit report. I have received no information or account numbers from Jefferson Capital Systems that will allow me to review their claims to prove that I owe them for a debt. Every email I have received from Jefferson Capital doesn't provide me with any information or account numbers I can use to reference my debt. They send me links all of the time that wont allow me to make payments even if I wanted to pay this phony debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-10-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
At the end of XXXX, XXXX, my credit card account with Bank of the West was hacked. 
The hackers requested a credit card in my name on XX/XX/XXXX and was charged {$25.00}. 
I happen to catch this request and notified the bank to put a hold on my credit card and requested a credit for the {$25.00} charge. The bank said that they would credit my account but never did after I had called them several times. 
In XXXX, XXXX, Bank of the West was taken over by BMO. I asked BMO to credit my account in XXXX, XXXX and was told that they would credit my account but they did not. I called again on XX/XX/XXXX and requested a credit. As of XX/XX/XXXX, I have not received any 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 monetary relief
Consumer complaint received 2021-07-03
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX XXXX, am submitting this on my own behalf. 

Midlands Funding does not have my permission to contact me or use my information. This is my final notification to this company after repeated privacy violations. Additionally, this company has been notified via mail that the debts they are attempting to collect do not belong to me. This company has enough complaints that I assume that they are habitual rights violators. 

Starting with 15 USC 1692, this company has sent repeated notices stating they are collecting a debt : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and I demand that this company remove this information from my credit report, delete any of my personal data and only communicate with me to confirm that this has been removed from my reports. I do not owe this company anything and this debt is UNVALIDATED. 

XXXX XXXX XXXX XXXX This company does not have permission to communicate with anyone using my personal information, including the credit reporting agencies, I do not owe Midlands Funding. Delete this information from my reports. I have been a victim of identity theft in the past and this company using my information is no different. Stop harassing me and stop the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed with this company about a debt they claim I owe. They have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. All they have sent me is a copy of a bill, Per the FTC, a copy of a bill or itemized document does not constitute verification. Despite my numerous letters they continue to mark it as meets FCRA requirements, without showing that I have a legally binding contract to pay them what they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hello, My name is XXXX XXXX, I am writing to request these items to removed from my credit report. 

1 ) Incorrect Employer : XXXX The correct employer should be : XXXX XXXX XXXX XXXX Please update 2 ) Late Payment from XXXX XXXX XXXX XX/XX/XXXX Account number XXXX XXXX ) I do not recognize these inquiries, I would like to remove them from my credit report XXXX Inquiries These lenders have accessed your credit file : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX 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 2023-06-22
Company: Healthcare Management, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail stating that I owed {$120.00} to A1 collection agency. I verified the amount with the creditor, because I never received a bill for the amount they were requesting, and they confirmed that I do not owe anything, and the debt doesnt exist. This was validated in writing. I then sent this validation to A1 collection agency, and they continue not to send me validation of the debt, my signature, stating that I agreed to pay the debt, or agree to stop harassing me. They use unethical practices to try and get consumers to sign up for a portal system that I do not believe is entirely secure, allowing them to delete messages in alter the facts. Or just deleting messages they dont agree with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
As a XXXX  I was doing online classes through XXXX XXXX college. I was able to receive student loans to pay for my classes. My loans monthly payment amounts were minimal amounts that were paid every month. After being hired by the local XXXX XXXX, I qualified for a loan deferment plan. This plan allows my loans to be deferred every year up to ten years. Due to a time delay in the deferment processing in XXXX of this year my accounts showed late payments of 90 days. I was told all late payments would be removed from my credit report in approximate 30 days, but the late payments are still reporting. This has dropped my credit score about 70 points and has really hurt me trying to obtain credit for a new home and new vehicle. I would love to have this issue resolved as soon as possible. I have tried disputing these inaccurate accounts with the credit companies, but have not gotten anywhere.

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 2023-03-21
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Third party Trespassing on a trust with a sold debt attempting to collect with out consent or signed contract Causing financial harm to legal fiction and living man

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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This account should be closed with all negative payment removed. XXXXXXXX XXXX was found guilty of using predatory lending and recruitment practices through the XXXX XXXX XXXX. 

Before the judgement was made I set up an auto-debit with this institution but they continue to report my account past due and will not place it into good standing. 

I also was never notified of any late payments, this innacurate information is only reported to the credit bureaus and they have refused to remove the late payments or report the accurate status of my account. It is even reported in the 'Notes ' section of my credit report that I was on a payment plan but they still report my account as past due.

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 2021-06-16
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Dealing with Sallie Mae First Sallie Mae combined my FICO score of over XXXX with my son 's FICO score of XXXX. 
I am paying usury rates of 8.25 % Auto debit has been set up since inception of this account On XXXX made what I thought was a principle only payment of {$2500.00}. 
On XXXX made what I thought was a principle only payment of {$260.00}. 
On XXXX spoke with Sallie Mae customer service. 
Was informed that all payments made would have interest deducted before principle. 
Was informed that it was impossible, due to how Sallie Mae writes their loans, to make a principle only payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Good day! I recently made a payment to my capital one account with the exact bank account that I have always used. I needed to make the payment quickly because I had just received a notification that I went over my balance due to an interest charge. After making the payment, a day later, I received notification that the payment was returned due to inaccurate bank account information. Heres my concern, how on earth did my bank account number change without my permission? I should have received some form of a notification saying that a new bank account was added. Ive contacted both of my capital one accounts to talk to them about the matter and they insist that I added the account. Why would I add a bogus bank account to make a {$50.00} payment? Ive always made my payments with this same account for the past year. I really need this investigated, because they can not tell me when the account was added, or nothing about the account. However, they are insisting that I added the account. I would like for them to take accountability if they errored. This has cause my credit score to drop drastically and I am afraid to do any further business with them. I am not trying to get out of paying what is rightfully due. However, if a bank account is added to my account without my knowledge, they should be able to tell me something about the account. Capital One should trust me enough when I tell them, I did not add this bogus account to my profile. I simply want them to investigate and find out. How did this account number change on my profile?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: VA
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 have sent multiple request and I feel like Im being ignored. I sent letter after letter highlighting these inaccurate items caused by identity theft. The other bureaus recognized these items as inaccurate and deleted them. I sent proof of that and still not answer. FDCPA Section 807 clearly states that inaccurate items must be deleted. I have asked for verification and still as of today over 180 days later no verification. No original contract, no personal information, no who did you speak with to verify. I demand these inaccurate items be removed immediately. These are violating my right and I have no other choice to proceed to legal action. This is a direct violation of 15 us code 1692. My information was also impacted in the Equifax and XXXX  data breaches.

Company response to consumer: Closed with explanation