BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Letters received XX/XX/XXXX, XX/XX/XXXX, dated respectively XX/XX/XXXX, XX/XX/XXXX. Previous letters received from XXXX XXXX XXXX over the past year since XX/XX/2019. Bill amount XXXX. The Bureau of Medical Economics ( possibly fraudulent collections agency ) is  threatening, " Considering what additional collection efforts may be necessary to ensure the outstanding amount is paid in full. '' XXXX XXXX XXXX and the Bureau of Medical Economics ( Collections Agency ) may be fraudulently scamming me to pay for fake medical bills. My medical insurance covers all medical bills. Otherwise, there has been a mistake on either the insurance companies part or those companies that I can not resolve on own. I have spent over 10 hours talking on the phone, providing personal information like insurance, birthdate, addresses, searching through a years worth of documents looking for past bills, etc.. I have called the hospital, auto and medical insurance, XXXX XXXX XXXX and the Bureau of Medical Economics. I have gotten a family member on the line during the calls. I receive backdated letters, e.g. a letter I see the very day it is delivered is dated 4 weeks prior and claims I have 4 weeks to resolve the issue. Over the phone, The Bureau of Medical Economics, was not able to tell me the dollar amount of the bill until they calculated new numbers after I told them the final sum. They've claimed the issue is resolved after each of several times I've called each company, only for me to receive another letter in the mail. They will not send me anything in the mail saying the issue is resolved. XXXX XXXX. XXXX. said I have an extra 45 days, after notifying the collections agency within 3 secs that the collections agency mustn't be involved any longer, yet I received another letter from the collections agency. The address for the collections agency is a P.O. box.There are 6 complaints filed against the Bureau of Medical Economics through the FTC and the XXXX Reviews of the Bureau of Medical Economics includes tens of complaints about scams. The Bureau of Medical Economics Website Link on XXXX Sometimes leads me to a " You have won a XXXX dollars scam page with party streamers, '' so on and so forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: EQUIFAX, 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:
On XX/XX/18 I obtained my EQUIFAX credit report ( Report # XXXX ) and after reviewing it I noticed that I have 3 negative accounts and 4 inquiries that I do not recognize which is definitely fraudulent. The 3 negative account is indicated on the attached letter as well as the unauthorized inquiries. and I have no clue why it is reporting on my credit report and there is an obvious error. I have never done any business with the companies listed on my report. I have filed a police report and I have disputed this before with Equifax but to no avail it is still on my report. This is affecting my credit and I am asking for help with this matter immediately. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
I purchased two weeks of in-person XXXX  lessons from an XXXX  XXXX  in XXXX XXXX, XXXX. 10 days before the program was to begin, the school  cancelled my class because of the Coronavirus. I requested a refund, but the school flatly refused to offer a refund, instead giving a " voucher '' for future use. The class was never described as non-refundable. There are no guarantees when/if it will be safe to travel again, or that the merchant will even be in business when/if it does become safe to travel. After working with the merchant to try and get a refund, I asked Captial One to assist. After three phone calls ( one lasting over three hours ) and two letters, Capital One has also refused to assist, claiming that they can't. I understand that the Coronavirus is an unprecedented world crisis, and I respect the school 's decision to cancel the class. But I can't understand the unwillingness of both the merchant and Capital One to offer a refund for a service that was not given. Their justification seems deceptive, and designed to wear me down, instead of being helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: M&T BANK CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Business name XXXX XXXX XXXX. 

Ref : account XXXX to whom this may concern : I have an issue with M & T bank I financed a vehicle going back XX/XX/2013, I set up automatic payment An authorized the bank To withdraw from my bank account every single month The payment that is due for my finance the vehicle, in beginning of XXXX I inquired To take out a loan shockingly I see on my report That M & T bank is reporting me to the credit Bureau that I was late, I reached out to M & T bank For explanation And they respond to me That I did not pay the last Payment So I told them That I authorized M & T bank to take Out from my bank account Every single month for the monthly payments they did not withdraw the last payment And then they are blaming me for not making payment I need this derogatory items removed from my report as soon as possible. The reason I set up automatic payment So I shouldnt be in this position That I was late On a payment And here I am in the situation that I did not want to be Do the negligence Of M & T bank not reaching out to me And not withdrawing From my bank account which I authorize them In the beginning of my Finance Contract.

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 2019-05-23
Company: The Receivable Management Services LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was charged {$96.00} for a diagnostic repair on XX/XX/2019. The amount of {$96.00} was paid the same day to the technician. I received an email confirmation. However, sometime sss the XXXX company sent me multiple invoices saying I still owed. I told them on multiple conversations that I had already paid the debt in question in full. They told me I had to prove that I had already paid my bill. I explained that I complete my fiduciary duty when I paid for their services on XX/XX/2019. I also purchased a new {$700.00} replacement dryer from XXXX months after paying for the diagnostic repair. 
It is unethical and careless of XXXX to force a paying customer to prove that they paid for a service, where they were the ones responsible for sending the invoice. Had I not been a responsible consumer and kept up with the invoice/receipt from 5 months ago, I might be responsible for paying this inaccurate debt. XXXX sent this debt to collections after being told multiple times that the debt had been satisfied.

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 2018-06-20
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mother owned a house in XXXX. She XXXX last year from XXXX XXXX XXXX and we are now trying to sell her home. Prior to her XXXX, she transferred title to her home to my sister and me through a XXXX XXXX Deed. 

She owned less than $ XXXX in assets and as we are the only heirs, there is no need to do a probate. 

A probate is expensive and is not required in this case because she didn't own anything. Just the house. Which she transferred to us. 

There is a mortgage on the house and we have been paying it monthly since our Mother 's XXXX. 

However, Ditech will not give us any information on the account. We are the legal heirs and legal owners of the property - and DiTech will not give us a payoff, or tell us the monthly amount to pay. We are trying to do the right thing and they won't speak to us at all. We even called after Hurricane Irma and they wouldn't give us any information on how much the monthly payment should be or if we should defer payments due to financial hardship after the Hurricane. 

We are trying to sell the house and we have sent to DiTech our Mother 's XXXX  Certificate, the XXXX XXXX Deed which transfers title to our names, and our authorization to release the payoff to our Attorney 's office. 

Ditech is saying that we are not authorized to get any information on our mother 's account. We own the house. We are her only children. And they will not give us access to our mother 's account. 

It is legally unnecessary to do a probate on our Mother 's estate - and is a financial burden to us. 

And yet, Ditech still refuses to review their regulations - they see a " one size fits all '' approach and don't realize there are individual circumstances. 

Our mother 's estate does not require a probate. We own the house. We are trying to pay them as per the Note our Mother signed - and they are not giving us the payoff information. 

They are preventing us from selling the house, providing clear title to the buyer, and paying the money due to them. 

This is obstruction. This is cruelty. This is business at it's worst. 

XXXX size does not fit all, Ditech. And someone in your organization should have a brain to figure out how to provide a payoff so that it doesn't cause your customers and their family members undue financial burdens or undue stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : Experian and XXXX Dear Experian and XXXX, There are multiple spellings of my name and listed addresses that are not associated with me on my credit report that is incorrected and are attached to my profile as a result of crimes that taken place. My name is spelled only one way XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Fl XXXX. All other addresses and misspellings of my name are incorrect. You were sent copies of an sworn identity-theft report and identity-theft report filled with the federal trade commission. However, these inaccuracies still remain on the credit report which is a violation of THE FAIR CREDIT REPORTING ACT. Furthermore, these incorrect addresses and misspelling of my name prohibit me from verifying my identity with creditors. Lastly, I also sent updated information of my current address which I lived at for 25 years. The following listing in my file are also defamation of character because they are also associated with debts I DO NOT OWE. I am a victim of identity-theft and I am exercising all rights enacted by Congress for consumers victims of financial crimes. If this is not corrected in 15 days. I shall be force to take further legal action. 

Thank you.

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 2019-05-23
Company: Tulsa Adjustment Bureau
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2019 A lady called my work, demanded to speak to myself. My co worker asked to take a name and number she told her name and the company she was with XXXX XXXX. I called her back, she was very hateful telling me that if I didnt pay this {$120.00} I will be sued and my wages would be garnished, asked my why it wasnt paid, why did I let it get this far into collections, I advised her I wasnt aware it was turned over, she said she will be taking legal action if it wasnt paid today. I told her well I dont owe you I owe the hospital, she said well now u owe me. And you need to pay up. I got mad and hung up on her bc she called my work to begin with instead of my cell phone. She then attempted to call my work again several more times. Within the next few days, several times a day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a notice that I am being sued for debt collection by XXXX XXXX XXXX XXXX on a closed/and or charged off amount on a Synchrony Bank (Lowes) credit card and must respond/appear in court in 19 days. I have been disabled by a judge and only receive Disability benefits and cannot drive to appear in court, Account opened in XX/XX/XXXX,state of Texas, amount $XXXX. Any advice on this matter is appreciated,

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 2018-10-31
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I would like my current address to be updated to XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX. It is currently reporting as XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX. Also I would like to get all other addresses removed from my 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 non-monetary relief
Consumer complaint received 2020-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Capital One 360 savings account in XXXX to hold funds for a house closing on XX/XX/XXXX. Immediately after opening, I linked my XXXX   XXXX  account and moved $ XXXX into Capital One via ACH. On XX/XX/XXXX, I received wiring instruction from my lender 's attorney on where to wire the funds for closing ( {$220000.00} ). The account to which I was supposed to wire is an IOLTA account serving escrow from the attorney to the lender, XXXX XXXX XXXX. I was told that Capital One would not honor it because it did not meet whatever their standard was for a wire despite that they say I can wire up to $ XXXX to an external entity for these needs. At a loss because I needed those funds the next day, I asked them to wire the funds back to the XXXX account with which I initially opened the account. They said no because XXXX uses a different prefix on account numbers for wires than they do for ACH. So since the account numbers weren't exact matches, they would not do it. I had another account with XXXX XXXX XXXX   linked to the account. I asked them to wire to that one. They said that since it had not been linked long enough, they would not do it. I asked for a cashier 's check. They said I would need to open a 360 checking account. But after I opened one, they could not do anything with it. I think this may have just been an effort by the customer service agent to try to body his numbers for accounts he opened. After fruitlessly opening the checking account, they told me I could go to a branch and get a cashier 's check. I'm in XXXX. The closest open branch is in New York. It would be physically impossible to make it before the branch closed. I understand that Capital One needs to have security protocols in place but it is unreasonable, after I established that I was who I said I was, that they refused to give me any avenue to get my funds. Now my closing is in jeopardy and I am going to have thousands of dollars of losses ( movers, temporary storage, etc ) because they refused to furnish me with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
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: Problem with personal statement of dispute

Complaint:
I wrote to the bureaus asking them to remove a Late payment from my credit report which reported a 30 days late payment in XX/XX/2018 as a Goodwill/ Courtesy, being as I was never late in paying this account and I encountered some serious financial issues at that time. I want to apply for a mortgage loan and this is affecting my credit scores. I have been writing to them about removing this late payment since XX/XX/2018 and they refuse to be courteous in doing so.

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 2019-05-23
Company: NCC Business Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt collection off in amount of XXXX. File number XXXX. XX/XX/2018. The name of the company is NCC Business Services. NCC Business services refuse to remove the collections off of all of my three credit reports saying to me the credit burea has to do it. It is not fare to me. The collection has paid in full and remove the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Equifax failed fix error in account site unable to add documents saying I sold vehicle. XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: LoanCare, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
LoanCare is currently reporting a 30 day late status for XX/XX/2019 on XXXX  and XXXX. My home was sold and the mortgage company was paid in full.

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 2018-10-26
Company: Experian Information Solutions 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:
I've disputed Experian for several weeks. There are errors on my credit file regarding a bankruptcy. I have repeatedly asked the company to provide a petition with my signature on it. They refuse to comply. And their method of verification is in violation of the FCRA.

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 2023-03-10
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX sent me the findings of their investigation which states the company verified the bankruptcy. XXXX has stated numerous times the information came from XXXX XXXX. On XX/XX/2023 XXXX XXXX sent a letter that they are unable to verify the information. How did XXXX verify this information? The bankruptcy court nor I verified this information. 

XXXX continues to be in violation of : Defamation of Character ( per se ) 1. Negligent Enablement of Identity Fraud 2. Fair Debt Collections Practices Act 15 USC 1692g violations 3. Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
HSBC is charging me a late fee for a credit card that had no balance and which I have not used for years. I called them one or two years ago asking to close the account, they said I should go to the branch to close it. I explained I could not go during the bank hours since I was working. I just wanted to close the account. Now I found out this affected my credit score. Further, I have a charge that I don't recognize.

Company response to consumer: Closed with explanation