BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: State Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am contesting this charge because XXXX XXXX XXXX XXXX neglected to secure an insurance referral before the appointment. They never reached out to me to obtain this referral on my own, therefore I was under the impression as before that they would handle this referral between them and my insurance company. I was then charged as an out-of-network patient because of a lack of a referral. Then, based on the suggestion of my insurance company, I filed an appeal with XXXX to investigate why no insurance referral was on file in XXXX. The business office informed me that I would receive a response within 30 days which never happened, and upon my follow up calls with XXXX they claimed there was no record of an appeal. I attribute this to their own negligence. 

The collections agency has neglected to ever inform me of the outcome of the second appeal that I filed with them, and continue to notify me that the amount is owed. The company that owns my debt now is the State Collection Service. 

It should also be noted that I already paid the XXXX copay on XX/XX/2022, the date of my appointment. Upon making the payment I was not informed that an insurance referral had not been obtained. This is the correct and final amount that I should have owed for this appointment, as it was in-network.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received an escrow analysis stating that we are beginning the year with a {$4900.00} ( approx ) deficit. We modified in XXXX. We received an escrow analysis the last couple of years and our payment went up a bit due to the taxes and insurance increase. However, this year they are raising our payment over {$300.00} a month. We can not afford this increase and it seems they dropped the ball on notifying us properly so that we would not be in this situation. The mortgage company/lender should pay this deficit as it was their fault for letting us get in this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: NY
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 u.s.c 1681 XXXX of XXXX # XXXX .... 
XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX  XXXX .... Said accts 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. It also states a consumer reporting agency can not furnish an account without written instructions.

15 u.s.c 1681 c. ( 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 7 years.

15 u.s.c 1681 S-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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have attached a letter and FTC 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 2022-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert from my credit montoring company that a Hard inquiry was placed on my credit report on XX/XX/22. Once I checked I saw it was from BOA. I called XXXX to dispute the inquiry and they informed me a credit card was taking out in my name in XX/XX/22. I called bank of america immediately and canceled the card. I placed fraud monitoring on all XXXX credit reporting agencies.

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 2022-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Good evening, I was looking for a business that will give me finical and time freedom for me and my XXXX boys because I am about to get divorce with my husband. I saw the XXXX XXXX XXXX advertisement by XXXX kinked all over social media and I got encouraged to try it. I schedule a call to register the course with Student manageXXXX XXXX and we meet at XXXX XX/XX/2022, and I join the course by paying half amount {$3500.00}. The course take 6 months and it cost {$7000.00}. After I took the course around XXXX weeks, I realize it so expensive, and it does not meet the quality for the price that I paid for. My friend told me he found other course very cheaper that has similar content. For the sake of saving money, I decided to cancel the course. I only took the introduction module for XXXX weeks and I ask XXXX, student manager to give me refund since I did not satisfy with the course. I even willing to pay for the XXXX weeks service I got but she refused because I signed a contract. when I signed the electronical signature, I didnt know it was contract, but I remember I asked her before I sign if I have to read it carefully, but she said I dont have to. After she refused to refund the money, I dispute the transaction to my financial institution. The dispute took 6 months, but it didn't work out and they took my money XX/XX/2022. I asked my bank if I can appeal the case and they told me it is final decision and recommend me to solve the situation with the merchant since I signed the documents. I immediately sent an email and text massage to the student manager since they took my money, I told her I went to continue the course but no answer. I also contact the company owner, XXXX XXXX through XXXX if they let me continue the course but no response. I also want to tell you that, the course was locked during the dispute process, and I cant even be able to access it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: AVANTE
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:
XXXX has violates my rights according to XXXX. AVANTE USA did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my XXXX rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Company attempting to collect a debt that is not mine, That's Identity Theft and Fraud.

Collection Company They co

mmitted more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I agree.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations.

Each of credit reporting agencies has a different amount of the alleged debt on my report, ( misleading information ) And Collection company has a different amount as well {$950.00} Interest due {$130.00} Pursuant of 15 U.S. Code 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Also they sent me a letter refusing to investigate the account.

I will invoice them for each violation ( illegal activity ) If they don't take care of this matter.

I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). I need them to : Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 3 An Audit trail Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in my state. Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA I have never give XXXX, XXXX, XXXX a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in my credit report agency, specially a alleged debt that is not mine.

No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 is reporting 8 student loans that I do not recall making from them as the borrower or giving my permission to service. All of my federal student loans were made through XXXX XXXX. XXXX XXXX is reporting the loans as having been last for four months in 2017. I was a student during the periods that they are reporting late payments. My other student loans are reporting as in good standing during the same months reported by XXXX because my federal student loans were in in-school deferment. I consolidated all of my student loans. The XXXX account has been closed for several years. My complaint is that ( 1 ) XXXX is reporting a total of 36 late payment to the credit bureaus and, when I asked them to send me a copy of the contracts, promissory notes, or any other documentation that defines the actual loans made, for what school, and when, they sent me a short ledger page that had no discernable information on the loans themselves or how XXXX came to service them. Reporting 36 late payments on my account that I challenge requires XXXX to produce those documents upon my dispute. Moreover, since the loans were consolidated under a federal program, I am entitled to accounting so that I can check XXXX ' information against the individual loans in my consolidation account. Sending me a generic printout of something purported to be a balance sheet without supporting documentation is a clear violation of the FCRA and demonstrates a reckless disregard for the impact that their 36 late payment allegations have on my credit and potential debt obligation for loans that I did not take out from them.

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 2022-11-23
Company: EQUIFAX, INC.
State: NY
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:
I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of the accounts below are not accurate. the open date, date last active, and date of last payment is not 100 % accurate. 

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

i attached a consumer report as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XXXX of 2021 I receive a personal loan to consolidate my debt with XXXX. One of the debts that was supposed to be paid off was Lending Club in the amount of {$6000.00}. On XX/XX/2021 XXXX  mailed out the check and on XX/XX/2021 Lending Club cash the check from XXXX  and did not apply the payment to my loan. In XXXX, I contacted Lending Club multiple times and they initially denied receiving a check from XXXX. XXXX  provided me with a check number along with notice of a truth and lending disclosure statement and that was when Lending Club admitted to receiving the check for {$6000.00} and cashed it but did not apply it to my account. On XX/XX/2021 Lending Club claimed to have mailed out a check in the amount of {$6000.00} back to XXXX. As of the date of this letter, XXXX has not received the returned check. After contacting Lending Club numerous times over the course of five months, I am continuously being told that my case has been escalated to the treasury department. I continued to ask and was not given any contact information for someone in treasury department or any other department that could assist me with rectifying the error. 

I remained faithful to my debt to Lending Club until I sought the advice of counsel who advised me to stop paying Lending Club and to file a claim against Lending Club. On XX/XX/2021 I contact my financial institution and stopped all payments to Lending Club. I currently owe Lending Club {$5800.00}. 

My goal was to consolidate my debt now I am paying double and no one will help me get back the {$6000.00} from Lending Club. 

I further would like to add that the company needs to assess its internal controls or lack thereof. It is hard to believe that the companys bank records would not reflect a missing {$6000.00} transaction for over five months and provide timely corrective actions. I hope this is not a normal business practice and other consumers are not having the same experience. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSWORLD SYSTEMS INC
State: ME
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:
During a security clearance check for my employment ( I am a XXXX in the XXXX XXXX ) a collection account was discovered on my XXXX profile showing I owe XXXX dollars for an XXXX XXXX XXXX in XXXX. 

I have lived and worked without any break in service since XXXX in XXXX, XXXX and the XXXX. 

I am including my XXXX driver 's license showing I am a resident of XXXX now, since XXXX. 

A third party opened the account in my name without my knowledge or consent. 

This must be investigated, and removed from my profile since it clearly is, and never was my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX Collection opened XX/XX/2019 Account type Collection Account Paid  off : 0 % Balance on XX/XX/2019 Original balance {$0.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My husband and I had a loan consolidation in XXXX. Our loan was totally XXXX with a XXXX balance by XXXX 's long term & permanent XXXX discharge in XXXX. We finalized the 3 year monitoring in XXXX. However, I was taking care of a teenager and my XXXX XXXX father at that time. My husband received a student loan bill that was transferred from XXXX to AES for {$21000.00} in XXXX. XXXX years later we didn't know loan was paid off, so my husband, ( XXXX XXXX ) and I kept paying monthly payments to AES because were receiving an automatic monthly bank drafts from our checking in XXXX for the amount of XXXX to XXXX. Our loan was a fixed rate of 4.625 % and AES change from fixed rate to a variable rate without our consent. AES continued to bill us for the same balance as the original XXXX loan borrowed in XXXX and then it was paid in full in XXXX. We continue to pay AES XXXX from XXXX to present. The loan is currently in forbearance due to not owing this XXXX and we hope this loan will be resolved as soon as possible. I have all the credit reports, bank statement payments, original consolidation from XXXX, to XXXX estimated payoff letter of XXXX, XXXX XXXX. NO PROMISSORY NOTE of either reports, both my husband and I have a XXXX balance with XXXX XXXX. We are owed approximately XXXX in OVER PAYMENTS because we had automatic draft and assumed it was not paid off in XXXX AES XXXX states we still owe XXXX + XXXX in interest with it being in XXXX months forbearance due to a variable interest rate unbeknownst to us that AES XXXX to a variable rate, owing MORE than he originally borrowed in XXXX. This entire loan including the XXXX was paid in full in from XXXX to XXXX. How in the world could my husband owe MORE THAN the original loan borrowed from XXXX XXXX, XXXX years later!!.? Please contact me ( XXXX ) XXXX or the above email address. Thank you for your time and assistance. XXXX & XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I had a XXXX balance on this card so when I traveled to XXXX XXXX on XXXX this is the card I chose to take. I knew that I had a cash limit of {$400.00} when I paid the card off in XX/XX/2023. I also checked the XXXX statement before I left and it also shows {$400.00} available. Once in New Jersey I kept getting declined for cash. I called customer service and the first person was no help. I asked for a supervisor and she stated that she couldnt see why they lowered the line. I advised that I didnt even receive a notification stating that it would change and thats bad customer service. The line hung up on their end so I called back. Got the second person and she too couldnt see why it was decreased and basically there was nothing they could do about it. That line hung up as well. When I called back I was upset. Got a third supervisor and she was the most helpful even there couldnt help. They can show you my record. Ive never had an issue with paying my card and I hasnt used it for a few months prior to this trip. I feel like I was unfairly singled out and if they dont make it right I will reach out to their HQ.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I submitted a request to investigate certain accounts on my XXXX and Equifax reports. I submitted my first request on XX/XX/2021, I did not receive a response from either bureau and so I then sent a failure to respond letter on XX/XX/2021. I never received a response to that letter either. These issues are extremely frustrating as these errors are drastically affecting my lively hood and holding up my home buying process. 

I would like to file a complaint against both XXXX and Equifax for failure to respond to both of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had checks which I deposited mobile held for over a week. I have had excessive atm fees, overdraft fees on un paid debits. I have been a customer of Wells Fargo since 2014. Three times I had my phone, water, or power cut off due to checks being held too long.

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