BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX my XXXX year d son had XXXX testing. He has Medicaid and always has since birth. The testing was to be covered by his Medicaid   as all testing and medications are. We referred and advised his insurance would be accepted. I received a bill for my son a year after the exam and advised that it was covered by insurance and that he was a minor and should not receive a bill. Now XXXX while I am in the process of closing on my first home a collection has appeared for this very bill. Which one doesnt belong to me and two was to be paid by Medicaid. I never received a bill in my name regarding this collection nor did I ever receive a phone call. Now Im am in jeopardy of losing my home over a bill that was covered by Medicaid.

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 2023-05-18
Company: Bread Financial 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: Information belongs to someone else

Complaint:
I have a inquiry from Comenity Capital on XX/XX/2023 on my XXXX  credit report, that I did not apply for. I did not apply for any credit card at all recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to report a bank error that is affecting me in a huge way. My name is XXXX XXXX. My SSN XXXX, my Date of birth is XX/XX/XXXX. I tried to solve this issue with JP Morgan Chase but they refused to give me a fair solution. I have an account with JP Morgan Chase bank. Account information : JP Morgan Chase-Auto Finance. Opened date : XX/XX/XXXX. Highest balance {$50000.00}. 

I processed my payment for XXXX ON TIME ( two days before the due date ), as I always do every month. This time, I paid through the online banking, looking for a way to make it easier for me. For any reason, the web site indicated that the transaction was SUCCESSFUL. 

I never received a late payment insertion or at least a call from Chase to warn me about my reports getting a hit, that is a clear violation to the Fair Credit Reporting Act. 
I have never been late in my life. This is the first time that a late payment is reported in my credit history and is because of a BANK ERROR. I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL. This is negligence, UNFAIR BUSINESS PRACTICE, breach of contract and the list of violations can go on once I sat down with my attorneys. 

I must say that Ive been trying to set up auto-pay through the JP Morgan Chase website for more than 1 month ago, but I have not been able to because this website is not friendly at all, its very hard to understand. That is why I processed a onetime payment two days before the due date. Ive been always willing to process my payments on time and this is the reason why I have an excellent credit score, but this wrong information reported to the credit bureaus is killing me. It seems that Chase bank intentionally make this automatic payment very hard to do online and pretty sure it is not the first time you here this. 

I demand a deletion letter from the mentioned company as soon as possible so I can provide to my mortgage company and get approve with interests I want. If Chase Bank refuses to provide letter of deletion letter through CFPB portal, I will not think twice to take this issue and be decided by a judge in a Court of Law. Thanks to whomever reads my complaint. 

Please see ATTACHED BANK STATEMENT as proof of funds at the time the payment with Chase was due. Proving this was not a money factor or even worst that I wouldnt want pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Lamont, Hanley & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019, I was served with a citation on a lawsuit from XXXX XXXX XXXX with XXXX XXXX XXXX listed as the attorney for the plaintiff. After much research, I discovered that XXXX had actually referred the account ( they still own the debt ) to XXXX XXXX, a collection agency, per XXXX. XXXX XXXX claims that they are not a collection agency and that they referred the account to XXXX XXXX XXXX, a collection agency law firm. I never received any type of communication from XXXX XXXX XXXX prior to being served with a citation. I sent XXXX XXXX XXXX a request for debt validation. The only thing they sent me was a few of the bills from XXXX and where I had applied for a credit card with XXXX on the Internet. That in no way validated that they had the authority to collect the debt. 

I hired an attorney to represent me. I could never verify with the court whether or not he responded to the suit, since I said I had an attorney, and could also never get the attorney to call me back. I have filed a complaint with the State Bar Association of Texas due to the attorney 's negligence. 

Today, XX/XX/2019, I received a letter from the court stating that a default judgment was decreed since there had been no response to the summons. I will be filing a separate complaint with the FTC against the attorney. 

My complaint against XXXX XXXX XXXX is their violations of the Fair Debt Collections Act, by not sending me any communications of my right to dispute the debt nor validating the debt. I have not signed any contract with XXXX XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/2019, Friday morning, we were charged at {$1200.00} by Capital One for flights to XXXX. 

I found much cheaper flights and tried to cancel the previous ones under their " 24 hours or less rule. '' The first operator said I could since they measure said rule by business days and we were on a Saturday. 

This is were I got greedy in my skills to beat flight algorithms and said I will XXXX it later, now assuming at this point that I had time. 

On a later call with a different operator that evening we were denied. The supervisor got on the line and was going to punish the first operator for doing her job skillfully. 

The way I was treated caused me to have an episode that had rippling effects. I was put in financial strain on top of moving to a new city on my own. Their mistake also caused the hotels, car rental, meals, etc. to increased. 

The $ XXXX that I was going to save turned to - {$1000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: NV
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:
Account that were under my bankruptcy are still on reports and they shouldn't be before or after because I never gave consent to share any my information with anyone. I tried to resolve this matter on my own several times over the last couple years. I been dealing with this from XX/XX/2021 and I am tried they not responded to me as of yet with requirements I asked for. I have not received a response from them in over 90 days sense as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft. Please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( XXXX ) such authority.

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 2022-08-11
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: Investigation took more than 30 days

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Transunion credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08
Company: ADP, LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
Global Cash Card XX/XX/2018ATM Transaction ( Domestic ) Fee AMOUNT {$1.00} XX/XX/2018 XXXX XXXX ( XXXX XXXX XXXX ( A S AMOUNT {$180.00} XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AMOUNT {$1.00} XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$1400.00} This was all reported on the same day as the fradulent purchases They investigated and determined that  their was no error And no credit would be issued

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XX/XX/19 I initiated a conversation with a seller for a pitbull puppy. After talking said seller requested I send payment through an app called Zelle. I had never used this app and asked if it was guaranteed and was told yes. I quickly downloaded the app added my debit card and tried to send the full payment to which I wasn't able to do. I was advised by the seller to try to do half in which case I was able to do so in the amount of {$350.00}. However, it would not let me send anymore and the seller told me to wait until the next day and try again. XX/XX/19 I did so and was unable to so my husband downloaded the app and sent the other half which was {$300.00} via his debit card linked to the app. After some conversation with the seller was told the puppy would be available for me to pick up at the airport by XXXX the next day. The morning of the day of the puppys arrival XX/XX/19 I got an email from the airport requesting I send XXXX $ more for insurance I immediately got the hint that this was a scam. I called to no avail I messaged and told the seller that this was happening and I wanted my money back and they said they would I gave them until XXXX when I was headed into my bank and they did not return my money. They then blocked me so that I could not communicate with them. Since then there page has been removed and I have filed police reports and reports with XXXX and with my bank, I filed with my bank on XX/XX/2019 they investigated and told me they couldnt help me on XX/XX/2019 So I asked for them to redispute these transactions on XX/XX/2019. I spoke to Zelle onXX/XX/2019 and they would not give me any information regarding the other party who took my money and refuse to give me any help to retrieve my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
THESE ACCOUNTS ARE NOT MY ACCOUNTS. THESE ARE FRAUDULENT ACCOUNTS PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Regional Management Corporation
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX a loan for {$1800.00} was taken out, and we was told if it was paid within back within 30 days there would be no interest or penalties! So on XX/XX/XXXX I paid the {$1800.00} back in full in the form of a cashier 's check from my bank XXXX, but Regional Finance still shows on my credit report that I owe them money ( never marked late or nothing ) instead of stating paid in full... so this needs to be corrected immediately, cause I owe them nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-11-01
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am trying to avoid filing bankruptcy. Previously by writing to my creditors I explained my personal situation, where another person I trusted ran up my debts without my knowledge. I could have filed for bankruptcy earlier this year, but have decided to try another avenue. I seek settlements of the debt posted in this report for 20 % of the charged off amount with terms. Accordingly, I would appreciate a quick response as I will agree to settle these collection as they are accepted. 
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 2023-02-17
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX is showing my loan status as late when it is not. I am also seeing a " department of ed/XXXX '' of whom I have no idea who that is.

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 2018-03-01
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a customer of XXXX XXXX XXXX. My first complaint is I was never notified about the lawsuit and making a claim. We pay our mortgage every month and somehow we are being charged with {$5000.00} in late fees or other miscellaneous fees. It keeps going up. In addition to this problem, every year according to them our escrow account is short for paying homeowners insurance and taxes. This is almost impossible. I contacted Ocwen about a year ago regarding the processing of our monthly payments and fees to get an accounting history on this and I never received anything. We really need to have this rectified and I believe we should have a part of the claim filed against them as we have been billed incorrectly and right down frauded. I am hoping to get some assistance to fix these errors and compensated for the mistakes that are piling up every month. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: REGIONS FINANCIAL CORPORATION
State: MS
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'm writing because I noticed Regions Bank reported hard inquiries in XX/XX/XXXX and ( 2 ) in XX/XX/XXXX on my credit reports. I am requesting the removal of these inquiries from my XXXX credit reports. 

When I called about an overdraft issue, I spoke with a representative, and she talked to me about the different available offers Regions had for me. I agreed to the hard inquiry to increase my credit line and refi. Unfortunately, the number of inquiries I ended up receiving from Regions Bank on my credit report was more than I expected My husband and I are currently in the process of applying for a construction loan to build our family 's dream home. The negative impact of these multiple inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.

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 2021-02-05
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The full reference is from the complaint that was closed by you with out fully understanding what has happened, you have confused the dates and the buyers, there was a previous buyer and now there is a second/different buyer, since your last look at this case XXXX The company is now asking to have everything redone, this is in line with the first buyer that backed out do to procrastinating by Fay Servicing, again we are being asked to resubmit all paperwork when all paperwork is already in Fay Servicing 's office, Not any of the time was waisted by us ( the seller ) or the buyer as of today Fay Servicing continues to clam paperwork has not been received and now expecting a whole new application to be submitted, I am not sure that this second buyer will be willing to wait another 6 months, something needs to be done as soon as possible. 
With the first buyer just after the buyer backed out Fay Servicing approved the sale ( short sale ) with no out of pocket expense, and now has waited for that offer to expire so to make this move in asking for a whole new application, in addition the new buyer has offered more monies the the last.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed for BKXXXX on XX/XX/2018 and I called on XXXX  XXXX  to make the payment and they told me the BK department was gone for the day and they could not accept my payment i called back and asked them to back date my payment for XXXX  because it was their mistake and they told me they would and I trusted them to do so. I again clled on XXXX  XXXX   to make my payment and they told me again that they could not accept it so I clled on XXXX  XXXX  ( i was unable to call on the XXXX  due to business travel ) and now they tell me they are filing MFR, I told them that they refused to take my payments for the months referenced. I need them to post them for the correct dates and have the MFR not filed. They should also train their employees for dealing with BK borrowers Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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'm writing because I noticed XXXX reported a hard inquiry in XX/XX/2021 on my credit reports. The dispute options listed on CFPB are limited. I am requesting the removal of these inquiries from my TransUnion and XXXX credit reports. 

I agreed to a hard inquiry for the pre-approved XXXX XXXX offer from XXXX. Unfortunately, the number of inquiries on my credit reports was more than I expected. I take full responsibility for this mistake and will ensure going forward to avoid making this mistake again. I was so disgusted with XXXX  practice to create multiple inquiries and that I closed my account within a matter of months. 

My husband and I are in the process of applying for a mortgage loan to purchase our family 's dream home and the negative impact of those inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.

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 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had a Kohl 's charge opened in approx. XXXX. The original credit limit was XXXX. The company unknowingly raised my credit limit. After I asked to have it reduced, they refused. During this call I also noticed that my card had been used in a fraudulent manner for {$800.00}. I had discussed this issue with the creditor, however they did not fix the issue but rather sent my account to collections after multiple attempts to rectify the situation on my part.

Company response to consumer: Closed with explanation