BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So XX/XX/2020 I got an email by XXXX credit monitoring that there was a derogatory report. I hadn't received any notification nor collection letter stating I owed. I went on the website and called Midwest Recovery Systems llc which is listed as the debt collector for the {$640.00} I supposedly owe. ( XXXX XXXX, the rep ) told me they have no record of me, I gave them my social, name, maiden name, and DOB. I was told the debt was sold to them by XXXX XXXX, I called them. No record also, but they couldn't look up " archived debt " even though it was just put on the credit report. They told me who the company that originally sold them the debt " XXXX Credit card by XXXX XXXX  ''. I looked up their information, called them no information/record on me I've gave them what address I possibly could have been listed, and my birthday. I called XXXX PD to make sure I had a record just in case it was an issue of identify theft. Gave the investigator the information told by me from the companies I had communicated with. I have a police report number and was told unless it was identify theft they couldn't help me further but it was documented. I called Midwest back with this information, and was told they would investigate and would follow up. Haven't heard anything back & they give me the " we're still investigating run around game '' and I could talk to the director XXXX. I reach out to XXXX  also because I wasn't confident that Midwest would follow thru on this phony debt. Please help me, I don't want something on my report if it isn't true

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: ADP Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, I called Wisely Bank to have funds transferred from my primary card to to my secondary card. The deposit was made on XX/XX/2023 for {$510.00}. It's my only income and is a monthly social security XXXXXXXX payment. When I lost my job, my online access to the account became unavailable because it was trying to send confirmation codes to a work email address and phone number that I no longer had access to. I had lost the primary card, but couldn't have a new one mailed because the would not change the home address on my account because I couldn't verify the email or phone number. So every month, I call to have the funds transferred from the primary to the secondary card. The agent I spoke with transferred the funds into a savings account instead of the secondary card. When I called back to correct the problem, I was told that it was an error that it was moved into the wrong account, but it could not be moved into the correct account. I told them I had to have access to my money so they escalated the call to a supervisor. The supervisor told me they could move it one time " as a courtesy '' since it was their fault it was put into the wrong account. Again, I checked my account and no money. I called again, spoke to a SECOND supervisor who told me that the money would be available in " a couple of hours ''. That was at XXXX. At XXXX, I checked again, still no money. The agent I spoke with told me that it was " escalated '' and waiting to be approved by another supervisor and to call back today, XX/XX/2023. I called this morning, and spoke with a supervisor who told me that there is absolutely no way to move the funds out of the savings account back into the checking account so I can access it. So I was lied to by two separate supervisors and still can't access my money. I asked for them to change the phone number or email address on my account so I can access it online but they told me that I have to send a copy of my driver 's license with a utility bill in my name. I do not have ANY utilities in my name, they are all in my husband 's name. So now, they have my money and I am completely at a loss as to how to get it back. Please, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a Bank of America prepaid debit card for my unemployment benefits. When I first inquired about where the card was I was told I was going to have to wait about 3 weeks to receive it. I asked if there's anyway to get it sooner as I have been unemployed for a month & ' am completely broke. The woman I spoke to said she can have a card expedited to me & '  it would be here within 3 business days but I had to pay {$10.00}. So I agreed because I have bills to pay, kids to feed. Well the following day I received a the card I was suppose to wait 3 weeks for. I was charged {$10.00} & ' sent another card. Had the woman said a card was on its way I would've waited. You don't think that's a lot of money until you're living off {$220.00} weekly. EVERY-TIME I'm logging into my online account my identity information isn't correct. Calling the bank is a hassle, waiting 45 minutes up to an hour to talk to someone who keeps repeating themselves, not answering your questions or helping you what so ever gets frustrating. So I found out I can have the money transferred into my personal bank account. So I'm setting everything up after having to call in again for assistance because once again my identity can't be verified. I'm told I have to wait THREE business days for the bank to verify my personal account then an additional TWO business days for the funds to be transferred. On top of waiting FIVE business days for the funds to be moved I can't use my card or it will cause the transfer to fail. I don't understand what exactly the bank needs to " verify '' with my personal account & ' why it takes 3 days to do so. BUT in case of emergency I can have funds transferred immediately for a {$15.00} fee!!!!

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 2022-04-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter via certified mail they received on XX/XX/22. This company has failed to validate my debt. please delete this information from my credit file and cease all collection activities immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is an item on my credit report under Financial Credit Network showing a date opened of XX/XX/XXXX with a balance of {$230.00}. 

I have previously disputed this item with the 3 major credit bureaus, XXXX, XXXX, and XXXX, and also contacted Financial Credit Network directly to request more documentation regarding this unrecognized debt.

I received a response from Financial Credit Network dated XX/XX/XXXX showing a total balance of {$310.00} which does not match the amount on my credit report. I am not sure how this collection agency came to the conclusion that this is the amount owed and where these additional fees are coming from. 

It also appears that the California License Number application is pending for Financial Credit Network. I have done some research and according to the Department of Financial Protection and Innovation, The Debt Collection Licensing Act requires debt collectors and buyers to apply for a DFPI license by XXXX XXXX, XXXX. Debt collectors and buyers who apply for a license after that date will be required to wait for the issuance of a license before they can operate in California.

If their application is pending, this means they should wait for the issuance of a license before they can operate.

Also, I noticed in the response from Financial Credit Network, they stated the following : " The letter/documentation may contain protected health care information. If you are not the intended recipient, please notify our office and destroy immediately ''.

From my understanding, the U.S. Department of Health & Human Services has more information about Covered Entities and Business Associates and clearly states that a written contract between a covered entity and a business associate must require the business associate to implement appropriate safeguards to prevent unauthorized use or disclosure of the information.

It appears that Financial Credit Network does not have appropriate procedures in place to prevent the unauthorized use or disclosure of Protected Health Information, which would void the Business Associate Agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CITIZENS FINANCIAL GROUP, 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:
Citizens Bank has just falsified information, which in their enclosed response letter they said, " Please be advised, Citizens is required to furnish accurate information to the credit bureaus. '' Citizens noted that I gave them a card that was expired. This statement is entirely false. I would never do that, and it is not in my nature. I do not practice fraudulent behavior ( my credit report reports can prove that ). Instead, The XXXX representative entered the wrong expiration date, so the payments were not going through. I have bank statements from that credit card company ( XXXX, which I provided ) showing XXXX charged me every month since opening the account. However, the payments did not go through for Citizens Bank because their expiration date on file was incorrect. 

Also, the messages they claim to have sent were automated monthly text messages containing NO account details. I still get the same message to this date ; " Citizens Pay : For more information on your Citizens Pay Line of Credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I uploaded those pictures. Then when you click on the link, it takes you to the sign-in page and then to the home page. There is no indication that my account was delinquent, and I have NEVER been late on a payment for any of my accounts. My credit history can prove that as well. 

Therefore, once again, this is not my fault. This business is fraudulent and impossible to deal with, and they have no remorse and can't even admit that it was Citizen 's fault. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Commonwealth Financial Systems, Inc.
State: KS
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 sent commonwealth financial a validation of a debt letter and in return they sent an itemized statement, ( in which I asked for a validation of debt. ) They've yet to validate the debt that belongs to the hospital in which commonwealth bought. When talking to commonwealth, after not receiving what I asked for, they were rude, and hung up during me speaking, after stating they sent out paperwork. Might I add, again not DEBT Validation. Another CSR even stated they should of been removed from bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the  following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXXXXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2022-07-17
Company: Penn Credit Corporation
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:
Penn Credit Corporation : {$250.00}. This was paid at the Hospital during service - I was never made aware of this credit issue. Hospital has payment in file. 

XXXX XXXX XXXXXXXX XXXX XXXX {$75.00} : XXXX was paid thru the insurance and contacted the hopsital who billed the insurance. 

XXXX XXXX {$1200.00} : This was repeatedly communicated to bill the insurance and insurance did assume the cost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For 2 years My brothers XXXX checks have been deposited in my account the same way via Mobile App Not bounced or Anything He is currently incarcerated so I am unable to take him into a bank or have the bank call him Explained this multiple times my account has been frozen since XXXX XXXX XXXX  did not flag the transaction as fraudulent only the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 multiple written requests, the unverified accounts listed below continue to report on my creditreport in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but Inever received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legalaction against them. Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$540.00} ; XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX XXXXXXXX***Balance Owed XXXX {$7200.00} ; XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX Balance Owed : {$3400.00}.

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 non-monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account name : XXXX Account number : XXXX has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Ref This account is under my name XXXX XXXX, address XXXX XXXX XXXX, XXXX FL XXXX Phone XXXX XXXX I'm writing in regards to my credit card. I've been trying to work with the credit card company to get my matter resolved. For the past few months I suffered from XXXX. Been in the XXXX more than once. Have what you call XXXX XXXX However, when you call them there's a long wait, then it's like playing phone tag with them. Then when you finally reach a representative, explain the situation they do not want to help. To be told they do not have any type of programs for anybody who's been affected directly or indirectly by XXXX. I was affected directly. I've been faced with financial hardship. 

With that being said, I lost time from work. Was in the XXXX XXXX XXXX XXXX 


It seems like the credit card company, fail to assist any person who suffered directly from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX I received an email stating I owed synchrony bank a payment for a credit card I didnt receive. I attempted to call synchrony regarding this issue. I can confirm they had a different address than my own so a card in my name went to someone elses house. 
In addition, I can confirm synch/amazon is on my credit report as a new report. 
Here are the issues. 
1. Without the correct address synchrony wont tell me the account number. 
2. They wont send statements to my address but to the fraudster using my card. 
3. Cant sign in online without the full card number. The card number the fraudster has not me. 
4. Synchrony was informed of these issues in XXXX. 
5. Now XXXX, I get another email saying I now owe $ 500+ even  though I explicitly asked the account be closed. 
6. I can not see any messages from Synchrony without the account number.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: KS
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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