BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I went to XXXX Hospital XXXX. At the time of this visit, I was an employee of the Hospital System. I carried the employer sponsored insurance plan as my primary insurance as well as Florida State XXXX. When asked, I presented both insurance cards to the hospital 's registration representative for billing purposes. I also presented, by State ID & signed authorization 's to treat & bill my insurance. My primary insurance, the employer sponsored, paid {$0.00} & applied {$810.00} to my in network deductible, which left {$810.00} left payable by my secondary insurance, Florida XXXX. The hospital never billed my secondary insurance, instead they billed me the patient, but never actually sent out a bill. I was able to verify this information because I worked in the patient accounting department, doing the insurance billing & collections. My account was outsourced to a third party agency, by the name of Common Wealth Financial, under account # XXXX. I made contact with Common Wealth Financial in XX/XX/XXXX, I advised email to proof that I was covered under Florida XXXX on the date of service mentioned above. In XX/XX/XXXX this item was removed from my credit report, along with account # XXXX, collection account for Date of Service XX/XX/XXXX for {$210.00}. Sometime between today and XX/XX/XXXX, both balances were reported back to XXXX, XXXX & XXXX. I made contact with Common Wealth today, XX/XX/XXXX & was advised this information was not be reported to the credit reporting agencies mentioned previously. In additional, Common Wealth Financial was unwillingly to investigate and/or resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
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:
XXXX  XXXX has placed 2 inquiries allowed by someone else. This bank operatess out of nevada i do not do online applications and i do not need any loams or card not have i applied.i got a letter from XXXX XXXX my info was compromised. I advised company to remove inquiries and never enter my social into my their a Database. This govverment complaint was also requested by company. One inquiry was XXXX. One in XXXX Company adress is XXXX XXXX XXXXXXXX XXXX XXXX  nv 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 2021-06-08
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The bank prequalified me to loan modification twice, yet they are sending me paperwork telling me I am not qualified and when I call I am told it is a mistake. I am still not getting the paperwork from the bank. I prequalified for the flex modification back in XXXX. It is now XXXX and the bank is trying to get me to sign paperwork without the modification. I am appalled that this is happening. I feel like I have no one to help me and the bank continues to not do their part to fix this problem.

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 2021-06-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Chase Mortgage switched me from paper to electronic statements without my knowledge, consent or advising me of the change. I pay all of my bills off of paper statements. As I never received the bill, the payment was delayed. As soon as I noticed the issue, I paid the mortgage immediately, however at that point it was a few days over 30 late. I called Chase to get switched back to paper statements and they removed the late fee, however Chase reported a 30 day late on my and my wife 's credit reports. This late payment was caused through no fault of my own as I never got a statement and they never sent me anything saying they switched me from paper to electronic. I called them, I wrote a letter, I spoke with various people and escalated all that I could and Chase refused to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
First thing, I had made XXXX XXXX monthly payments consistently since XX/XX/XXXX for 13 months to someone who claimed to be a part of XXXX XXXX XXXX XXXX XXXX NationStar, but wasn't. I truly thought I was doing the right thing because I was actually making Cash Deposits into a XXXX  XXXX XXXX Account # XXXX : All State Marketing Solutions Escrow XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , FL XXXX Only to find out that my payments had not been going towards my Loan # XXXX Mortgage because my home was about to be Auction off at the Courthouse on XX/XX/XXXX which I had to file Bankruptcy in order to prevent ( please see attached documents ). 
Secondly, this indicates a Case of in which I need to get my total of {$7000.00} back to go towards taking care of my Outstanding Balance of {$14000.00} .due by XX/XX/XXXX. Please advise and assist me in getting this resolve as soon as possible. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Unifin Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
UNIFIN is the name of the so called debt collector with ref # XXXX said I owed over {$7000.00} on a loan I made in 2003. I said and it is takling you 16 yrs to try to collect on a loan I never made? Well, he said, is your name XXXX XXXX, your email is XXXX  XXXX is your SS # XXXX, I said where did you get this info, and he changed the subject quickly. Even told me waht my phone number is. Their phone is XXXX and said I need to pay ASAP and their fax number is XXXX. I said your are not getting a penny as I never got nor needed a loan in 2003. He replied he will do more investigating and call me back. OMG They have all my info. Please remove my persoinal info above if you publish. YOUR NEXT STEPS ASK IF I AM THE ACCT HOLDER, NO I AM NOT, NOR HAVE I EVER BEEN, BUT I CANT CONNTINUE WITHOUT SAYING YES?????????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions 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:
The credit reporting agency continues and explained will continue to accept incorrect information from a creditor. Information that through paperwork given during a previous dispute showed the account settled with a XXXX balance. I called Experian and was told they only receive information from the creditors and report it. My issue is that is fraudulent, misleading, damaging and reckless knowing the information is incorrect. Without any proof disputing the paperwork work sent to me from the creditor on their letterhead. It is, in my view, not apart of the Fair Credit Reporting Act and should be illegal to accept fraudulent information EVERY month causing me to file a dispute over proven incorrect information.

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 2022-03-30
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has 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

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 2019-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
During the time of XXXX my identify, bank card and cellular device was stolen. Once i finally was able to retrieve my belongs i realize that my debit card with boa was stolen as well. When i contacted them they told me i had no worries because my card was frozen. At that time i also told them I didnt have access to my login id. They lady i spoke with told me well my card is frozen so nothing will be coming into or out my account. She also told me my account doesnt look like its going to be closed and if so, wait until Wednesday to hear back from them and if no call or email then my account will be re open. That very day Wednesday i called and spoke with someone told them what the lady told me and they had told me well i dont know why that information was related my account was officially closed. I asked why and they said because a check. I then begin to ask questions because I was very confused if they were talking about about my direct deposit from my job. I ask them well what can i do about my account and funds and they advise me my money will be mailed and no longer want to do busy with me very rudely. And my social is report on the blacklist for stolen check that i was never aware of. Exactly XX/XX/2018 my account was closed without me knowing anything and until this day my funds are still not being issued to me all because a check was out into account at the time my identity and belongs were stolen.

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 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 explanation
Consumer complaint received 2019-07-05
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We received a letter from ERC to collect in error a " balance with XXXX XXXX XXXX remains unpaid ''. XXXX XXXX XXXX worked out a final payment which was made over a year ago. Per XXXX XXXX XXXX and the Alabama Utilities Commission there is no balance due. Taking our valuable time to address this claim is causing harm to our household.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Credit Plus Inc
State: CT
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:
Never applied with mortgage with this company or company for that matter.I have requested for this to be removed for over 9 months and nothing has been done.I do not have a Mortage nor did I apply for Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, 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 2021-08-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I purchased two pairs of Sconces from XXXX XXXX XXXX who lives in XXXX. I sent him {$1600.00} ( XXXX Euro ) to his bank account ; XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had sent him money last year about this same time using Monegram without a problem and received my items several week later. To date I have not received the items and the seller does not respond to my emails. I contacted Moneygram with regard to this and requested they contact the seller and refund my money. They have refused to assist me and cancelled my account with Moneygram implying that I was part of a fraud. I explained to them that it appears i am the victim of a possible fraud and scam but they refused to assist me. I have also sent a letter to XXXX XXXX in XXXX XXXX where the money was sent in the hope that they can assist me Attached are documents supporting this claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland funding LLC At XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX Has been sending me collection notices in the amount of XXXXthe collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an account with XXXX XXXX. Balance has been paid in full in fact I am owed money. On XXXX and XXXX it is reporting properly but not transunion. I contacted them regarding this matter and I'm having a serious issue. I need them to make and update immediately as this has been paid.

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 2019-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
1. I reported a case of fraud to Capital One in XX/XX/2019 regarding a fraudulent charge of {$2100.00} made via the internet to the clothing retailer XXXX. 

2. Capital One took initially appropriate actions such as placing the initial charge on hold and issuing me a new credit card number. 

3. Capital One initiated a fraud investigation in XX/XX/2019 4. Another attempted charge to the retailer XXXX was made in the amount of {$2100.00} to the closed credit card number and was declined on XX/XX/2019 5. Capital One closed the fraud investigation with the statement that " ... I've found no indications of fraud. The following charges will appear on your next statement as adjustments : ... '' in a letter dated XX/XX/2019. 

6. I am a long standing Capital One customer ( >8 years ) who maintains multiple active banking and credit relationships which would generally be associated with low fraud risk. 

I believe the statement that " I've found no indications of fraud '' to be both inaccurate given the totality of facts available to Capital One and dismissive of the customer experience and devoid of empathy given that I reported a case of fraud.

Specific indications of fraud that Capital One did not acknowledge in their letter to me : 1. The fraudulent order utilized both item sizes and a shipping address that was inconsistent with my purchase history.

2. An additional attempted charge of {$2100.00} was made on the closed credit card number after the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 I made a payment of XXXX that covered my minimum payment that was due XX/XX/XXXX then on XX/XX/XXXX I made a early payment of XXXX that covered my minimum payment for the month of XXXX. On XX/XX/XXXX I get a text from synchrony saying that I am delinquent on the above account. I called the company and they told me that all they could do was remove the late fees but they could not take off the amount I supposedly owed for XXXX even though I already made a payment toward that. So now I owe XXXX as a minimum payment for the month of XXXX, which I believe to be unfair.

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 2019-01-03
Company: AMERICAN HONDA FINANCE CORP
State: HI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Turned in Honda at end of lease. Honda did not ask for any payment/ turn in fee nor notify me that any payment would be due. XX/XX/XXXX, I receive this " Lease End Statement Details '' letter which states " per your request ... ''. I did not request a lease end statement details report, so I set the letter aside and did not take action. Because I did not request any such letter ( unlike it stated ) I assumed it was a fraudulent document, as it did not look official and did not include a payment slip or envelope. The letter stated there was an amount of {$360.00} due. If there was an amount I did owe, I expected the Honda dealer to collect the payment from me at the time I turned in the car, or send me a bill that looked similar to all my lease payment statements, that I could then pay. I never received any additional correspondence or Bills from Honda. I notice my credit score dropped dramatically and after requesting my credit report, see that Honda had sent this outstanding balance to collections. Aside from the attached letter, I did not receive any formal bill or notification that I owed this turn in fee. I am more than willing to pay anything I owe, but expect to receive a statement with bill pay slip. I will be calling Honda tomorrow, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: TransferWise Ltd
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Approximately XX/XX/XXXX, I tried to use Transferwise to transfer funds of about {$150.00}, to a student in XXXX who is in his last year of college. I have been supporting him so that he can finish and get his degree in Mechanical Engineering. He and I have had an on-going friendship for over a year and I am comfortable with his truthfulness. I feel like I am his mom. We text on a regular basis, and he never has asked me for more than he absolutely needs. In fact, he does not ask at all ... I just send him a little money whenever I wish to help him out. I anticipate no longer needing to send him any money after he graduates in XXXX. I have no doubt he will be able to secure a job. 

Now, I find I can no longer send him any funds and this breaks my heart. There is also a XXXX year old boy in XXXX that is an orphan and lives is an orphanage in XXXX. I have been helping to pay his tuition for the past 2 years. He wishes to become a doctor. He is highly intelligent and I want to see his dreams fulfilled. I am so proud of this teen. 

But, I am barred from sending him any money also. This is not right. The funds are MY money. I don't need the government to " save '' me from myself. 

I am not, nor are the people I support in XXXX, money laundering. I have vetted these young people and am comfortable with their truthfulness. I am extremely careful with whom I make friends with. I want to be able to send them funds for as long as its needed, or at least until they have finished their educations. 

I am requesting your help in this matter. 

Thank you

Company response to consumer: Closed with explanation