BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-17
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Allied Collections Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX This company is reporting a medical/dental bill on my credit reports that is not mine, I have had medical and dental insurance for over 15 years and do not owe any medical bills I tried contacting this fraud company and they refuse to remove this debt and provide proof that I signed anything even related to the original creditor XXXX XXXX. 
I have had the same dentist for 10 years and I know nothing about XXXX XXXX  or Allied Collections Services I disputed this with the Credit Bureau and this is still reporting to my credit and the company is not providing any information to prove this debt is mine, because there is no proof this debt is mot mine and I want it removed from all three Credit Bureau

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 2021-03-30
Company: Experian Information Solutions 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:
Experian is reporting fraudulent information on my credit report. I have advised Experian that these collections are not mine. These are fraudulently reported and need to be removed immediately. I have also requested a fraud alert on my account. Please assist me in getting these deleted off of my credit report as they are not accurate. I have not ever cosigned for these services or any services and I do not know who they belong to.

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 2023-05-12
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They are trying to collect on debt thats suppose to been deleted from my credit files in XXXX. Its still showing on my credit files which is affecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: FIRST PORTFOLIO SERVICING INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX has reported false and incorrect information on all 3 credit reports, this is unprofessional for a company to falsely reported incorrect information on my credit report, I would like to have this false incorrect information to be removed from my credit report. The credit card was closed on XX/XX/XXXX with REVVI, I haven't opened any account with XXXX or REVVI on XXXX I don't understand why this company would report incorrect information knowing that's its false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
SARMA Collections and XXXX XXXX XXXX. have never afforded me the proper notices of any kind. I have never been noticed or billed for the claimed debt. 
Furthermore, they both are claiming 4 charges to me as 4 individual accounts ( # XXXX for {$1600.00}, # XXXX for {$1500.00}, # XXXX for {$250.00} and # XXXX for {$370.00} ) all of which XXXX XXXX. XXXX. have since disclosed to me over the phone, as each being a drug, given during one XXXX. Said XXXX and hospital bills have been paid by insurance long ago. 
They waited from XX/XX/XXXX until XX/XX/XXXX to place these amount in Collections and post them on my Credit Reports. They have illegally posted their collection after 25 months without notice to me as per Texas Consumer Law. 
I never knew of said charges nor did I ever get notice of them before finding them on my three CRA reports in XX/XX/XXXX or so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have called every month since XXXX to get my escrow account properly analyzed. I have been hung up on, yelled at, lied to, and more. They have the information I have submitted a tax bill, I have sumbitted emails from the city, I have submitted information at every request. They as anyone can go onto XXXX website and see what my tax due is. In fact Lakeview has paid it for the 1st half already this year and I went ahead and paid the second half myself. They still continue to charge me near {$600.00} a month for my taxes in my escrow account when currently {$0.00} are owed for the rest of the year. This company refuses to accurately and fairly adjust my escrow account and in doing so are holding my money illegally as they are only allowed to collect an extra 10 % to fund an escrow account. I wish that they could be charged punitively for their continued disregard and negligence of my situation.

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 2023-05-12
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 wells fargo made a payment on a court ordered, withdrawing almost {$1000.00} from my savings account. Wells Fargo did not verify nor confirmed the information before unlawfully withdrawing that large amount. To make it worse it was done a day before XXXX therefore canceling our family plans. The court order was not for either my husband or I, wells fargo was wrong by not verifying that they were taking it from the correct account. Wells Fargo had our money for 7 days trying to decode if a mistake was done. XXXX offered a small compensation, does not make up for our time lost with family during XXXX. Are we able go seek Compensation?

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 2023-06-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my check of XXXX dollars on XX/XX/2023 and was notified via email on XX/XX/XXXX that a hold has been put on my account and that my fund will not be available until the XXXX. I have bills and that money should be available by Tuesday XXXX and they are telling me that they are putting hold on people 's accounts when they deposit a check due to fraudulent activity. I do not believe it to be fraudulent activity because I recently deposited a check and it was deposited immediately. I want my money and I intend to sue chase if my funds are not released immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
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:
Good morning, I recently checked my credit report and noticed a couple of accounts that I do not recognize. I believe my identity has been compromised. I am not sure what to do but please help us in this matter in getting this issue resolved in a timely manner. I thank you in advance. The accounts are reporting as XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. None of these accounts have I ever been in business with or ever even heard of. This is really stressful for me because I can not use my credit for anything with these accounts that were obtained fraudulently and now I am getting penalized for it. Please help me.

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 2023-06-16
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, my name is XXXX XXXX i have been contacted by IQData international about two separate apartments that don't match my social security information. I have tried to resolve these issues with the company several times as i have expressed to them that they have the wrong information attached to my name and i don't owe these debts to the complex 's. I have been dealing with these issues since 2019 and they still are not resolved, I have sent them information several times and they keep saying they never received it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX, I XXXX XXXX XXXX XXXX XXXX in order to pay for any outstanding debt owed on my part as I was pregnant as of XXXX of XXXX and would n't be able to pay any debts thereafter. I would n't be able to pay anything once I gave birth because my employer was a small law firm that offered no XXXX Leave or XXXX XXXX XXXX, therefore, once it was time to give birth and recover I would essentially become unemployed. It is now XXXX/XXXX/XXXX and I am in fact unemployed due to complications with my delivery that required a lengthy recuperative period. To my surprise, I have received a bill from a collection agency for {$4100.00} that is apparently owed to XXXX XXXX. I have several problems with this recent turn of events, first, I repeatedly asked the representative at XXXX XXXX if the bills proposed to me were complete, and she confirmed that they were, I do not have over {$4000.00} to give to anyone. I should have known something like this would happen, during the transaction it was apparent that they neither cared about my XXXX or dilemma even though I was trying to do the right thing. Second, I do not take lightly my private and proprietary data being sold to third-party organizations that I have no contractual obligation to. Who are they to share the very same information that they are supposed to protect under XXXX law? Third, I made XXXX XXXX well aware of my financial hardship, and they have made no attempt to adhere to the XXXX XXXX Assistance Law ( HFAL ). I have been offered no assistance nor have I been given an opportunity to negotiate my outstanding debt. Their subsidiary is equally ruthless, the collection letters make no mention of my right to dispute the outstanding debt. I feel that I am being mistreated by this XXXX provider and collection company based on my age and XXXX and existing XXXX disorder, I often have to visit the XXXX facility because I have an illness that they apparently are n't skilled enough to remedy ... it appears that these companies are more concerned with cashing in on my XXXX than trying to help a member of its community that is truly in need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: Synovus Bank
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:
I've filed a dispute with XXXXXXXX XXXX XXXX XXXX where I have been XXXX  in the XXXX XXXX XXXX XXXXXXXX since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Where I am XXXX  at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX  number is XXXX. I looked on my credit report, I seen a account from XXXX that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my XXXX  XXXX  Identification with my Social security card. which could've all been verified by the XXXX  XXXX XXXX had this company did a proper investigation into this matter. Where they never responded to my dispute letter mailed back in XX/XX/XXXX. First of all for these reasons if I have been XXXX  for the past XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
IT WAS XX/XX/XXXX. XX/XX/2020. XXXX HAD OUR MORTGAGE THEN XX/XX/XXXX SOLD TO SELECT PORTOFOLIO COMPANY. WE WERE NOT AWARE OF SUCH BALLOON PAYMENT UNTIL XX/XX/2020 WE RECEIVED A CERTIFIED LETTER STATING THAT XXXX WAS NO LONGER TAKING OUR PAYMENTS THAT SELECT PORTOFOLIO WAS TAKING OVER THE BALLOON AMOUNT. WE CALLED XXXX NEVER ANSWERED OUR CALLS. THEN WE CALLED SELECT PORTOFOLIO. THEY EXPLAINED THE SITUATION TO US THEY EXPLAINED ABOUT THE BALLOON AMOUNT WAS TO BE PAID IN FULL ON THE MATURITY DATE OF XXXX XXXX. WE SUBMITTED A NEW MODIFICATION XX/XX/2020 MODIFICATION WAS DECLINED DUE TO CURRENT PAYMENTS. THEN WE SUBMITTED A REFINANCE. CREDIT SCORE WAS A BIT BELOW AVERAGE. WE SUBMITTED ANOTHER REFINANCE THEY SAID MORTGAGE WAS LATE. DUE TO MATURITY DATE. SELECT PORTOFOLIO WAS NOT TAKING ANY MORE MONTHLY INSTALLMENTS OUR REFINANCE THEN WAS UNABLE TO GO THROUGH WE HAD ALREADY PAID THE APPRAISEL FEE. WE DID A CONFERENCE CALL WITH REFINANCE BANK AND SELECT PORTOFOLIO. THE REFINANCE COMPANY SEEMED VERY CLUELESS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After a previous dispute investigation, XXXX XXXX found that this account was incomplete/inaccurate and then deleted. However, XXXX XXXX only reported this result to XXXX and not the other consumer reporting agencies violating FCRA that states If the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis.

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 2022-08-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've just received a copy of my consumer report and noticed some unauthorized inquiries. i did not give these companies permission to pull my credit file Please remove these inquiries unless they are attached to an account. 
US SM BUS. ADMIN ODA, 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 2017-12-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have 3 address on my credit file that I have never been associated with I would like them removed from my credit profile, XXXX XXXX XXXX XXXX XXXX va XXXX and XXXX XXXX XXXX XXXX XXXX XXXX va XXXX and XXXX XXXX XXXX XXXX va XXXX, And I will like my Report to be updated with my current address XXXX XXXX XXXX XXXX XXXX va XXXX, I have provided a current bill and a copy of my driver license Thanks

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 2018-10-03
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/2018, I added my PayPal business debit card to my XXXX   account. The card was incorrectly classified as a credit card and was subject to a 3 % fee for payments. 

The response from PayPal was, " I'm not sure why the Business Debit MasterCard is labeled as a credit card on XXXX. This card does not have any kind of credit line associated with it. '' However, the response from XXXX  by XXXX XXXX was unreasonable, " Based on the first 6 numbers of the card, Mastercard is classifying it as a credit card. We can not change this as we are not doing this. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My first issue is the the representative whom I spoke with to secure the loan misrepresented the insurance product that they offered. He explained to me that in the event of loss of employment the insurance would pay off my loan for me. Well that did not happen unfortunately I was laid off XXXX XXXX and this insurance product that the XXXX representative sold me on did not pay off my loan. I am requesting that the insurance product they are selling be investigate and properly marketed to consumers with the correct information ... ... ..The insurance will only pay for 3 payments in the event of lose of employment. I am asking they my pay my loan in full as this is how it was advertised to me when sold. 
My second issue is that the insurance company paid XXXX XXXX for my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Payment however XXXX is reporting these as late payments on my credit report. I would like to these late payments immediately removed from my credit report. I have attached the information and emails from the insurance company stating they made the payments directly to XXXX XXXX so why are they reporting them as late payment. 

Sincerely 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 2022-10-06
Company: EQUIFAX, INC.
State: MD
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. 

XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, 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 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 response to consumer: Closed with explanation