BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing to file a complaint against XXXX XXXX XXXXXXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, for a violation of the No Surprises Act. 

The patient in question is XXXX XXXX ( redacted for privacy ), who received services at the aforementioned medical facility on XX/XX/2022. The services rendered were under the medical codes : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

The issue began when XXXX XXXX went in for immunization. Prior to the appointment, the office staff verified that she was covered by our health insurance provider, XXXX. We even found the facility using our insurance 's website for " in network doctors ''. This verification reassured us that we would be covered for the services received and would not incur any unexpected charges. However, to our shock, we later received a denial letter from our insurance company and a surprise medical bill from the medical office, which amounted to a total of {$1100.00}. We appealed the denial decision with our insurance, but they provided documentation to show that they were not in network anymore. 

In an attempt to resolve the issue, we contacted both XXXX and the medical office, which led to a verbal agreement for a payment plan and a lowered bill in the range of {$700.00} - {$850.00}, to be paid in installments. We were even told that if we did not pay we would be sent to collections and then offered a " cash discount. '' As a result, we paid three installments, each worth {$140.00}, totaling {$430.00}. 

Unfortunately, I fell ill and was unable to make further monthly installments. In response, without any prior warning, the medical office sold my debt to a collection agency, Coachella Valley Collection Service, for an amount exceeding the previously agreed upon maximum sum of {$850.00}. 

This action, we believe, is in clear violation of the No Surprises Act. Despite our earnest attempts to honor the financial agreement we had entered into, the office not only reneged on the established payment plan but also escalated the issue by involving a collection agency, thereby negatively impacting our credit rating. 

In light of the above, we kindly request that the Consumer Financial Protection Bureau intervene on our behalf to investigate this issue and provide a resolution. We believe that XXXX XXXX XXXX XXXX XXXX should be held accountable for its actions, which are against the provisions of the No Surprises Act, and thus unfair to us as consumers. 

We appreciate your attention to this matter and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a permanently XXXX Veteran, my only income is {$2100.00} month from the VA. I have XXXX children, rent, bills etc. Sallie Mae is not allowing me to lower monthly payments or even delay payments based on my income. I believe Sallie Mae Bank is systematically and illegally setting me up for failure in repayment - they are giving me the run around, putting obstacles in the way to prevent repayment and has failed to act in my complaint - in an effort to make me pay much more than what my loan really is. I am in financial hardship, and applied for a tpd - total permanent XXXX and an alternative repayment plan for modification of loan terms. No income-driven repayment plan was provided to make my student loans more affordable. I am a single mother of XXXX  children/family of XXXX  and my rent is {$1100.00} - I am struggling right now. Sallie Mae Bank has caused me to have emotional distress that has affected my emotional well-being. Sallie Mae , Inc has not gone through every stage of repayment making my student loans more difficult and costly for me. No notices are sent to me and I have accrued interest to my principal balance, lost protections, - there is no loan forgiveness. My XXXX impacted my ability to finish my degree program and I requested for an income based repayment to have my monthly payments capped in direct relation to my income and to provide for full forgiveness of my remaining loan amounts once the minimum number of monthly payments is met. Sallie Mae , Inc. has harmed my credit and I am a XXXX borrower - an injured veteran, whose XXXX is connected to my military service yet have not been given loan forgiveness. Sallie Mae , Inc. said  they would remove all adverse information about the defaulted loan from my credit report and I believe Sallie Mae , Inc. is in violation of the Dodd-Frank Wall Street Reform and  Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act and Higher Education Opportunity Act of 2008 ( HEOA ) based on my individual circumstance. I have been harmed due to Sallie Mae , Inc. 's illegal practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail dated : XX/XX/2022 from a collection agency. The ageny 's name is Credit Collection Services. They are attempting to collect a debt for an XXXX XXXX XXXX XXXX XXXX. I have NEVER had XXXX XXXX. I have NEVER received a bill for mobile services from XXXX. I have XXXXXXXX XXXX XXXX were are paid on time monthly as an automated withdraw from my account. I called the collection agency they wanted personal information that I did not feel comfortable giving. I explained that I had never had an account with XXXX and XXXX also confirmed this. They continued to ignore this and told me that they needed personal information to access the account and remove the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
good morning ( afternoon ) dear agency I am suffering from an absurd abuse I receive more than 70 calls a day from the company they threaten me a lot I receive a lot of unknown calls about these collections asking for money to pay these collections on my credit I changed my address for this reason they are threatening me they are telling me too many abusive words i get scared i moved from house to live in another house i get really scared please delete these fraudulent collections

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 2019-07-06
Company: Experian Information Solutions Inc.
State: GA
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I have contacted the FTC and my local police. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX. inquiries : 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 2023-06-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX 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 explanation
Consumer complaint received 2022-10-13
Company: Rausch Sturm LLP
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a two-fold issue, I will address these separately below : 1 ) Collecting a Time Barred Debt : In XX/XX/2022, while looking for information about a similarly named family member on the ClarkCountyNV.gov website, my wife discovered what appeared to be an open case against me with our local court. We had no knowledge of this case having never received a summons or any other communication regarding this XXXX XXXX XXXX case. On XX/XX/2022 my wife called the debt collector involved, Rausch Sturm LLP, to resolve the issue NOT KNOWING OR BEING ADVISED that this was now a time barred debt that we could not be sued for. At no time during her conversation with the Rausch Sturm representative was she informed of this and that by speaking with this representative she was actually restarting the clock on this old debt. 

2 ) Reneging on Agreement : During the conversation with this representative, a financial agreement was made and my wife was informed that as soon as the agreed upon amount was paid, a Satisfaction would be sent to the Court. On XX/XX/2022 we received an email confirmation from this representative. 

On XX/XX/2022 the agreed upon amount of {$320.00} was made via phone to Rausch Sturm. This was posted to my wife 's bank account in the form of an ACH check on XXXX XXXX. 

On XX/XX/2022 my wife emailed the representative informing her that the case was still showing as open on the ClarkCountyNV.gov website and asking to have it updated as per the Agreement. 

No response was received. On XX/XX/2022 my wife sent another email to " XXXX '' regarding the above. No response has been received and as of today, XX/XX/2022 the case is still showing as open.

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 2019-04-12
Company: Absolute Resolutions Corp.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX - Received Letter about debt from XXXX, XXXX, XXXX and XXXX XX/XX/2019 - Received Letter about debt from XXXX, XXXX, XXXX and XXXX about second debt XX/XX/2019 -responded with request for validations of debt to both letters XX/XX/XXXX - Received letter notifying me a lawsuit, case # XXXX had been filed. 

Left numerous messages for process server and attorney to meet them to receive the summons or have it sent certified mail. Told them I was not interested in dodging summons and wanted to know what it was about. 

Made additional request verbally for validation of debt because they never sent anything. 

Served with Summons on XX/XX/2019 As of XX/XX/2019 nothing had been sent in response to my letters. It was " in the mail '' they said.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX ; Experian and XXXX are reporting incorrectly a charge-off on the XXXX account number XXXX. ( Please see page attached from my credit report. ) I was enrolled in a special account program to assist me in catching up with the payments due to a lay-off from my job. Because of this hardship, they agreed to let me make payments and bring the account current. When I obtained a copy of my most recent credit report, I discovered they had re-opened this account. When I called to inquire, I was told by the representative that this was an error on their part however, they were unable to reverse this incorrect information from being reported. Also, this account is reporting an incorrect balance. This negative reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2021-01-12
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage was transferred in XXXX and did not receive notice until about XX/XX/XXXX when I got a letter in the mail about the transfer. I signed in to create an online profile, however, I was unable to make any online payments at that time. I owed for XXXX and XXXX at that point. I sent a check on XX/XX/XXXX that covered the XXXX payment and more than half of XXXX payment. That check was credited to my account 3 days after I sent it. The following month, I sent another check covering the rest of XXXX and XXXX on XX/XX/XXXX ( still not allowed to make online payments ) and that check was held by the company for over a week before being cashed. Because they held onto to my check and took over a week to credit to my account, I was reported late to the credit bureau. I've spoken to Shellpoint, explaining to them that being a new customer, being denied access to pay online, my only option to pay was sending a check to pay my mortgage. They refused to correct the reporting. I asked if there was detail on when my check was received and was told the only records is when the check was cashed. Had I been able to pay online, I would have and avoided this entire mess. I made sure to mail the payment so they would receive it on time and based on how quickly they cashed the first check, there was no reason for me to believe it would take so long to process the 2nd check I sent. I know in my gut my payment was not late. But they reported me late anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: CITIBANK, N.A.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX On XX/XX/2020, an 30 day late was reported on my credit report I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing i was late to support your inaccurate reporting on my account, if you can not supply this, please delete this alleged late payment from my credit report for reasons that it is not a invalid late payment the FCRA allows 30 days for this to be rectified

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act. 
The Following Account has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681.

Everything has to be 100 % accurate on my Credit Report. 

XXXX Account : XXXX. 


The Consumer Reporting Agencies all report different information and only verify with a 3rd Party thus ifgnoring the right to privacy and 15 USC 1681 According to my written Instructions. The bottom line is, there are multiple in accuracies!!! Open Date is inaccurate, the late last active is inaccurate and the Date last reported is inaccurate. This is grounds for removeal. They also violated my rights inder the following : 15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
I was recently emailed by a representative of XXXX XXXX XXXX and she was properly notified of the Inaccuracies and made aware of the Law. She ignored the law directly and is willfully Noncompliant, whichis a violation Ferderal Law 15 USC 1681n.

There is no End to the dagamage that this company and the Agencies are allowed to inflict on Consumers.

The fact that They Reached out to me directly is a violation of Federal Law. 15 usc 1692c Communication when attempting to collect a debt. ENOUGH REMOVE THEM FROM MY CONSUMER REPOT IMMEDIATELY NO WAITING I submitted a previous complaint with the CFPB and the Attorney General 's Office. TheseCompany XXXX XXXX XXXX and Agencies refuse to follow any Federal Laws and continue volating my rights and costing me dearly.

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 2023-01-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, there was a hard inquiry made to my Equifax report from XXXX XXXX XXXX. I did not apply for anything and believe that I am a victim of identity theft. I filled a dispute with Equifax, but they say that it is a valid report and refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am a long time account holder with PNC bank. I have a personal checking and savings account with them. I also have a home mortgage with PNC. My federal retirement check is direct deposited with them each month. Today I go into one of their branches to cash a rebate check in the amount of {$3.00}. I give them my account number, show them a personal book of checks, and my state issued drivers license and they refuse to cash the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX XXXX was totaled in a hit and run accident. My insurance company paid the leasing company ( XXXX XXXX XXXX ) in full. The leasing company is saying i owe them XXXX. They never sent me any letters, calls, or emails regarding this. I've also talked to my insurance company ( progressive ) and they said they accepted the check in full and there was no problem. My claims rep said they agreed on the settlement and it was dealt with. 

Now, there's a charge-off/derogatory on my credit report from the leasing company. This is incorrect.. if my account was paid in full by the insurance, why do i owe anything? 

XXXX XXXX when you take out a car, includes Gap insurance.. and they covered any remaining expenses. Now my credit is damaged and i can't take out a new car.

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 2023-06-02
Company: Experian Information Solutions Inc.
State: MI
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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 explanation