BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
since XXXX 2017 I been trying to get ARS ( Account Resolution Services ) to verify a {$8500.00} debt. As well as XXXX XXXX XXXX for {$7300.00} They have failed to verify and validate and instead had all 3 credit bureaus updated ( reaged which is illegal ) as verified but where is the verification and validation? I have not entered a contract with this company to collect for the hospital they are representing. Upon further investigation I discovered that The Texas Secretary of State maintains a Debt Collector Search that lists all debt collectors who have ever applied for a surety bond. After performing such search I have confirmed that the debt collector that has contacted me does not have an active surety bond, which means they are illegally attempting to collect debt in Texas. I move to cease collections. also I advise the debt collection agency that I intend to file a complaint with the Texas Attorney General if they fail to comply with my request. While the collection company may escape Texas civil penalties in this particular case, their violation may impede their ability to collect debt in Texas in the future because of a denied surety bond application, costing their business untold revenue.

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 2017-07-12
Company: Experian Information Solutions Inc.
State: TN
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 requested that XXXX remove several unauthorized inquiries from my credit report. I made them aware that I had no knowledge of the inquiries. I spoke with a supervisor at XXXX on XX/XX/XXXX ( XXXX XXXX ) who refused to remove the inquiries. The inquiries were made on various dates and are listed below XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/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 2019-08-01
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed a collection account on my credit report from IQ DATA I sent for validation of the debt because the amount was not right This agency won't answer me nor respond to my disputes YET THEY CONTINUE TO ADD MORE AND MORE TO THE BALANCE This agency are not in compliance and I want them deleted from my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was defrauded by someone unknown funds taken without my knowledge. Now my SSI has been hijacked by Wells Fargo even after I notified them of the fraud. I have been told they refuse to do anything to help me and in the meantime I have XXXX and am XXXX can not eat or pay bills. I am about to be evicted. I need help.

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 2021-09-21
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been in contact with XXXX XXXX XXXX regarding a debt that is reporting to my credit report that is not owed. I have received documentation stating that I don't owe the amount and that this account is to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Bonneville Billing and Collections
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Alleged Debt {$500.00} - Account XXXX BONNEVILLW COLLECTIONS INC XXXX XXXX XXXX XXXX UT XXXX Explanation, Counter offer Dear Sir/Madam I disputed this alleged debt on XX/XX/XXXX, so I reached out XXXX XXXX XXXX Regarding this alleged debt is not accurate and not even exist in first place so long story short I started visit medical center for treat my XXXX XXXX XXXX with XXXX  and XXXX  XXXX XXXX and XXXX XXXX  XXXX we agreed I pay only {$50.00} for visit instead of {$150.00} Because I wasnt insured and I been visited 8 ( Eight ) times and I have recorded and receipt for every visit so the agreement we made of {$50.00} pay for visit, so I purchase insurance on XX/XX/XXXX then I went 2 time visit on XX/XX/XXXX, XX/XX/XXXX and here is transactions from my bank statement, Which I can send copy - XX/XX/XXXX DEBIT CARD PURCHASE, XXXX, XXXX  XXXX VISA XXXX XXXX XXXX XXXX XXXXXXXX XXXX * PA {$50.00} XXXX XX/XX/XXXX DEBIT CARD PURCHASE, XXXX, AUT XXXX VISA XXXX XXXX XXXX XXXX XXXX XXXXXXXX * PA {$50.00} So when I checkout on XX/XX/XXXX, XX/XX/XXXX I did asked the receptionist I got insurance, but i already paid {$50.00} today but it seem like you guys out of network on my policy, she said we can try so based on that the agreement pay per visit {$50.00} which I paid and I can send proof its variable contract, so the alleged debt is not even excist in first place, but morally because XXXX XXXX and XXXX XXXX XXXX were very nice to me I can offer rest of this two visit which is {$150.00} counter offer of original amount after paid already {$100.00} for this 2 visit Please let me know whether you are to accept counter offer for on time payment to settle this account. If so, please tell me in writing my offer to accept it, so I can issue Cashier check once I received a settlement letter amount of {$150.00} on time payment lum sum of ( XXXX XXXX XXXX Dollars only ). 

Note : i'm offer this amount morally based on my manners not because i owe you Thank you for your corporation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: EQUIFAX, INC.
State: TN
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 requested that XXXX remove several unauthorized inquiries from my credit report. I made them aware that I had no knowledge of the inquiries. I spoke with a supervisor at XXXX on XX/XX/XXXX ( XXXX XXXX ) who refused to remove the inquiries. The inquiries were made on various dates and are listed below XXXX XXXX-XX/XX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Bread Financial Holdings, Inc.
State: FL
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( COMENITYBANK/VICTORIA ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). I need to report XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to contact XXXX by disputing my medical debt through their online dispute portal. I have also sent them a certified letter disputing this debt on XXXX/XXXX/XXXX. These collections were removed from my XXXX report because of multiple inaccuracies and lack of being able to validate this debt, but XXXX has not removed these collections from my credit report yet. XXXX keeps responding that this debt is mine and verified, yet I have never received an itemized summary of what I am being charged for, and I have never been contacted directly by Transworld Systems Inc, either, which leads me to believe this is fraud. These collections need to be removed from my credit report from XXXX, just like they were removed by XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$100.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1700.00} {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$79.00} {$79.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$240.00} {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$88.00} {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$66.00} {$66.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Oracle Financial Group LLC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX from oracle financial group called me stating someone had filed a complaint about me and telling me to verify my last four digit of my social without verification. I asked who he was calling from and that I was n't going to answer any questions they asked me. He told me no worries he was going to call my parents to give me the message and clicked. My dad received the call and he stated that he was an attorney and asked my father if he spoke English, immediately once my dad told him he did n't speak English, he told my dad to learn English or to get someone who speaks English. After that my husband called XXXX XXXX and try to get some information. My husband asked if he was calling from an attorneys office and he stated no. So why would he tell my dad he was an attorney. He also told my husband he was n't going to stop calling me that he was going to call everyday and harass me. I called them myself and spoke to a XXXX XXXX. I told him to send me verification about the deft and in the letter it is the wrong amount.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
( GLA COLLECTIONS ) at ( XXXX XXXX XXXX  XXXX KY XXXX ) has been sending me collection notices in the amount of ( {$680.00} ) the collection openedXXXX has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: SYNCHRONY FINANCIAL
State: UT
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 customer service

Complaint:
On Friday, XXXX, I was signed up with XXXX XXXX with a new Mobile Phone, and received a new Mobile Phone Number. Today, XXXX around XXXX EST, I logged into XXXX , then to PayPal Credit 's Website/Service ( which is maintained by Synchrony Bank ) to change my phone number on record. I found out I could not do so over the internet, as I would need to receive a Verification Code to my previous Mobile Number to access my " Personal Information. '' However, I phone number was provided & I called.

However, when I explained what I wanted to do, the Customer Service Agent said that to change my phone number of record, she would have to send an SMS ( text message ) to my *new* mobile number containing a link. I would have to click on that link, and then record a video showing myself and my Photo ID ; which would then be sent to Customer Service over the Internet for verification. 

I was shocked! I attempted to explain how I believed that sending a video over the Internet that contained my Photo ID would be a high-level security risk. Also, that how I believed people *could theoretically* gain access to this video, and thus, my complete Photo ID. And, then, with my complete Photo ID *potentially* leaked onto the Internet, I could become a victim of Identity theft. 

The Customer Service agent did not listen to any of this, and just kept repeating that her company was dedicated to my security. She eventually offered the option of mailing me a letter with a Verification Code that I could then call back with to have my phone number changed. I told her to just send the letter. The Customer Service agent kept speaking about security ; however, by this time I had been on the phone for nearly 11 minutes, and was tired and frustrated, so I merely hung up. 
However, the very idea that Synchrony Bank 's *default* Security process is to send a video containing a person 's Photo ID over the Internet is outrageous. I believe they need to seriously overhaul their system. For instance, identification verification on some websites merely requires a Photo ID to be uploaded as a picture using a Secured Server. That is not a much better process, but it's certainly better than a video sent.

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 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion stated that I needed to provide a better picture of my license for the removal of the fraudulent items on my Transunion 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 2019-06-12
Company: MORGAN STANLEY & CO. LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
( 1 ) Morgan Stanley Private Bank assumed loan servicing responsibility on XX/XX/2019. The prior loan servicing provider was XXXX. 
( 2 ) Prior to Morgan Stanley Private Bank assuming servicing responsibility, they sent letters to us that contained erroneous information about the outstanding principal. I contacted them prior to the notice date and the issue was resolved. 
( 3 ) I make additional principal payments with every monthly mortgage payment. 
( 4 ) Beginning XX/XX/XXXX, and through XX/XX/2019 Morgan Stanley Private Bank has misapplied BOTH of my payments. The misapplication error results in Morgan Stanley Private Bank receiving additional interest on my mortgage, and overstates my outstanding balance. Simply stated, Morgan Stanley Private Bank take money designed to be additional principal and pays a future month mortgage payment first, then applies additional principal. 
( 5 ) If I had not detected Morgan Stanley Private Banks erroneous practice, the estimated additional interest they would have collected from me would have been about {$4000.00} for the first twelve months. 
( 6 ) Morgan Stanley Private Banks customer service blames me for their errors because I did not use their ACH system offered on their website. However, when I attempted to sign up for the ACH, I was rejected for a technicality between my bank and the website. In other words, I tried. Nevertheless, they blame their sloppy bookkeeping on me be cause I do not keep books for them. It is unacceptable. 
( 7 ) Morgan Stanley Private Bank opened up a ticket on XX/XX/2019 to correct the misapplied XX/XX/2019 mortgage payment and instructed me it would take three business days to correct. 
( 8 ) On XX/XX/2019, three business days after my XX/XX/2019 ticket, the correction had not been made. I was then instructed it would take until XX/XX/2019.

( 9 ) Morgan Stanley customer service department is not competent, and are clearly instructed to avoid the fact they are not keeping accurate records. In addition, their promises are not followed through. 
( 10 ) I am a XXXX and pay close attention to my amortization schedule. I recognize that many people may not be as financially astute as me, and I am filing this complaint to alert customers of Morgan Stanley Private Bank of possible immoral or incompetent business practices that a non-financially astute person may not detect. 

I am very concerned about the poor quality of service, beginning prior to XX/XX/2019 and subsequent accounting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: EQUIFAX, 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:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: GA
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:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/17 Called to ask Navient to increase my monthly direct deposit from the minimum, and to apply the additional funds to the loan with the highest interest. I also asked that any additional payments I make, in addition to the newly increased minimum payment, be applied to that same loan as well. They said this was n't possible because the loans were consolidated. I asked to speak to someone who could help me and was put on hold for 20 minutes. Finally spoke to someone who reiterated that it was n't possible, then reversed course and said the loan with higher interest was not part of the consolidated loans, and that they could do this for me ( online there is no option for me to apply payments to individual loans, it says they are all consolidated ). I reiterated what I wanted, and they had forgotten to add the stipulation that any additional payments be put toward the loan with the higher interest rate. After being put on hold and waiting 5 min or more again, this was finally resolved as well.

I asked that they make this an option online for others, or at least train their customer service reps to identify the steps to help borrowers pay down their highest interest loans first, and was told that " we have to follow FCC guidelines. '' Not sure why this means they ca n't make the process of paying down higher interest loans first easier for borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to contact Equifax by disputing my medical debt through their online dispute portal. I have also sent them a certified letter disputing this debt on XX/XX/XXXX. These collections were removed from my XXXX report because of multiple inaccuracies and lack of being able to validate this debt, but Equifax has not removed these collections from my credit report yet. Equifax keeps responding that this debt is mine and verified, yet I have never received an itemized summary of what I am being charged for, and I have never been contacted directly by XXXX XXXX XXXX,  either, which leads me to believe this is fraud. These collections need to be removed from my credit report from Equifax, just like they were removed by XXXX.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$79.00} {$79.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$240.00} {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$66.00} {$66.00}

Company response to consumer: Closed with explanation