BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-14
Company: Medical Data Systems, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Medical Data Systems I in attempt to resolve a collection on my credit report. They offered a settlement and I asked if it would be removed from my report. The rep stated that it would only be removed if I paid the 3 different collections in full. I confirmed again, that it would be removed before paying and I continued to to pay the debts in full. 
I called to follow up after looking at my report and seeing that the collections were marked as paid but not removed and spoke with another representative. 
The rep stated that they do not and will not remove items from a report even if being paid in full. I spent all the money I had when I could have easily settled for the same results. They lied. I would have not paid if I was notified that it wouldnt be removed.

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 2019-09-17
Company: UHG, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Debt was originally held with XXXX. 

XXXX transferred debt to : UHG I, LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX on XX/XX/2019. 

On XX/XX/2019 I recieved a message from XXXX and XXXX XXXX, a debt collector with website https : //XXXX/ and phone number ( XXXX ) XXXX. 

The voice message transcript recorded at XXXX XXXX from them to my voicemail was as follows : Hi yes I'm looking for XXXX XXXX, XXXX my name is XXXX XXXX Private Career so I'm trying to make contact with you in regards to some documentation they actually are legal documents I'm scheduled to issue out to you I a.m. scheduled out in the jurisdiction on Monday afternoon. Now because these are legal documentation that you will need to have a valid form of ID your signature will be required at the time of service. The office that has required the service they also do require that contact be made with you at your place of employment. Your employer will need to be notified of my attempts to make contact with you at work tomorrow. Questions, concerns or if you're not gon na be available or if you do need to reschedule contact the filing office as soon as possible at XXXX case number sir is XXXX On XX/XX/XXXX I contacted my attorney 's office this message left on my phone was a " scare tactic '' and that the lady who left the message was not a process server, nor was any legal documentation on file in my county or any other. Further more, their scare tactic to notify my employer was far outside of the scope of fair debt collection. 

I then, also on XX/XX/2019 contacted XXXX XXXX and XXXX to inquire about the message left. The lady who answered the phone refused to give her name, however after verifying my identity said that due to the outstanding XXXX debt, they are " serving me '' for fraudulent taking a loan and for " bad checks ''. Yet another scare tactic. 

I kindly asked them to not call me, but rather to contact my bankruptcy attorney XXXX XXXX at ( XXXX ) XXXX. I was told thank you, and that was the end of the conversation. 

XXXX and XXXX I believe to be an illegitimate attorney office, who threatens to notify employers, as seen in the transcript. They also pretend to be official process servers, and even threaten legal action. Very intimidating. 

I am in the middle of a Chapter XXXX, with XXXX being included as a debt to be discharged under bankruptcy, and the communications I recieved were very wrong.

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 2018-06-11
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have made my payments to GM Financial for 36 months. My lease was up on XX/XX/XXXX I want to buy my car and have been approved for a loan to buy it at a credit union. On XX/XX/XXXX, I paid my XX/XX/XXXX payment through XXXX on my XXXX Account. I have paid my loan this way several times. The money was taken out of my account and applied to the wrong account at GM. It was determined at XXXX   that the loan number was off by one number. The payment had always had the wrong loan number on it so it must have manually been applied. I have talked to GM at least 15 times and XXXX 6 times regarding this issue. I have been told numerous times that someone was working on it and would call me back. No one has ever called me back. I have never been given a phone number and name of someone who was handling this complaint. I have not had anyone work on my behalf at GM. I have spent HOURS of my own time trying to chase down this payment. I paid my XX/XX/XXXX payment in XX/XX/XXXX so it wouldn't be reported to the credit bureau. GM has been provided proof from XXXX more than once that the payment was made and it is still not rectified. I receive 3-4 phone calls a day from GM telling me that I'm late and asking if I want to make a payment. I owe them nothing else but the car is still in my possession b/c I want to buy the car. I need help getting this resolved and ALL fees associated with it refunded!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are errors on my credit report that need to be removed.

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 2019-09-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/19 I tried to remove a security freeze via the experian website https : //www.experian.com After inputting the correct information several times including places I've lived, current address, ssn, dob, and pin, I was still unable to life a freeze and was told to mail in my request. Calling them does nothing as every single options just leads to a computer telling you to mail in requests.

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 2020-11-14
Company: EQUIFAX, INC.
State: MS
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/2020 I wrote a letter requesting that Equifax investigate inaccurate accounts on my credit reports. I never received a response. On XX/XX/2020, i sent them another letter about them ignoring my request and they need to verify the account. I still haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: JPMORGAN CHASE & CO.
State: NC
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:
I have received a copy of my credit report and it shows company JPMCB CARD  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$7100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: SYNCHRONY FINANCIAL
State: ID
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:
XX/XX/XXXX. 

All sudden got notice that my lowes account was closed. Lowes won't say why account got closed.

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 2018-04-25
Company: Centron Services
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Below is a description on my complaint. It is the text of the letter I sent to parties listed below on XX/XX/XXXX. I have received numerous billing statements from XXXX XXXX and I have not received a bill from XXXX XXXX XXXX XXXX. 
XXXX ATTN XXXX XXXX, Collection Department Manager, XX/XX/XXXX XXXX XXXX, Account Representative XXXX XXXX, Account Representative XXXX XXXX, Account Representative XXXX XXXX XXXX XXXX - XXXX, MT. 
DBA : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MT XXXX XXXX ATTN Billing Department Manager, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX XXXX Under false pretenses, willfully and knowingly XXXX XXXX XXXX XXXX MT ( DBA XXXX XXXX ) opened a fraudulent account as reported by XXXX  and XXXX using my name and included an unsubstantiated claim for " unpaid '' in the amount of {$17.00} on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. Additionally XXXX XXXX XXXX ( DBA XXXX XXXX ) continues to willfully and knowingly violate the Fair Debt Collection Practices Act ( FDCPA ) and harass me with repeated attempts to fraudulently collect money on this unsubstantiated claim. These actions are an unlawful attempt to commit fraud, extort money from me, and damage my name and credit rating. 

I have made every effort to : 1. work and coordinate with my insurer XXXX, XXXX , XXXX , XXXX , XXXX , and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( DBA XXXX XXXX ) to facilitate and expedite satisfaction and closure of this matter since XX/XX/XXXX 2. show and reiterate on numerous occasions that XXXX XXXX   XXXX XXXX XXXX XXXX XXXX did not bill my insurer for services provided on XX/XX/XXXX at XXXX XXXX XXXX in a timely manner. My insurer waited more than six months without being billed by XXXX XXXX XXXX XXXX XXXX, XXXX 3. show that once XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted and billed my insurer, all claims due were paid with no outstanding monies owed. XXXX XXXX XXXX XXXX XXXX, XXXX was provided multiple statements of remittance ( on XX/XX/XXXX and XX/XX/XXXX ) which clearly state and serve as record evidence that all claims were paid by the insurer and these records further indicate that there never has been co-payment due for the beneficiary and there is no money owed by the beneficiary to XXXX XXXX XXXX XXXX XXXX, XXXX. 

In sum, I owe no money and never have owed any money to XXXX XXXX XXXX XXXX XXXX, XXXX. However, XXXX XXXX  XXXX XXXX ( DBA XXXX XXXX ) has violated my rights and protections under the Fair Debt Collection Practices Act ( FDCPA ) by : 1. giving false information about me to credit reporting companies including XXXX and XXXX 2. making repeated false written statements indicating I owe money 3. conducting unfair practices in attempt to collect money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted all the Credit Bureaus/Agencies XXXX XXXX TransUnion XXXX and the creditor  XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.

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 2019-09-17
Company: Navient Solutions, LLC.
State: MS
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:
Since Navient took over my student loans, Ive had nothing but problems. I dont think the company is applying my payments to my loan. Ive been requesting my student loan tax document multiple times since early this year. However, Navient refuses to provide me with this document. I had to file my taxes without my student loan information from Navient. It is XXXX and I still havent received my student loan tax document from Navient!!!!!!!!!!!!! 

The company stated that I had several payment options including applying for an Income Based Repayment Plan to avoid default. I applied and was approved for an income based repayment plan of {$100.00} in XX/XX/2019. Even though I dont know where my payments are going, I sent payments of {$100.00} in XXXX and XX/XX/2019. However, Navient is still threatening to default my loan. This company is a scam. They are back to their silly games of refusing to send me my bill statements again now also. They dont want me to know my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Security National Automotive Acceptance
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have attempted to make payment arrangements with Security National Acceptance Corp. However, they refused to allow this to occur. They were very condescending. Also, I attempted to trade in this vehicle as it does not fit my family 's needs due to my child 's XXXX, however I am unable to because as I've made 18 months of car payments and yet my loan continues to get larger rather than smaller. I don't feel like I'm making any headway into paying this loan off. The other finance companies will not finance me due to this loan being so large and the amount owed not getting smaller.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: SYNCHRONY FINANCIAL
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:
This is my second time reaching out to your agency filing complaint against XXXX XXXX out to your agency regarding same issue. To this very day company has not fix or remove this account that is damaging my credit. My original complaint # XXXX. A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from XXXX XXXX /XXXX XXXX  . I reached out to creditor to advised them I have know knowledge of opening XXXX XXXX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. XXXX XXXX has yet to mail any of the requested information. XX/XX/XXXX @ XXXX XXXX I made one last attempted to resolve issue with XXXX XXXX  and I decided to give them a phone at XXXX. I spoke with a representative that advised me that XXXX XXXX had sold account back on XX/XX/XXXX to XXXX XXXX. XXXX XXXX has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.

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 2021-05-04
Company: Firstsource Business Process Services, LLC
State: MO
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 the hospital to receive XXXX XXXX. At the time, My XXXX did not offer medical insurance so I had to pay out of pocket and subsequently applied for Bill payment assistance through the hospital. The hospital billed me for their service s within 3months and I was only able to receive minimal relief from the hospitals Bill payment assistance program. I paid the balance of the charges from the hospital in full before the end of XX/XX/XXXX. As far as I was concerned the hospital had been paid. 
On about XXXX XXXX I was contacted by phone from a debt collector claiming I owed an unpaid balance of {$260.00} for XXXX XXXX rendered by the hospital dating back to XXXX XXXX. The original date of my first and only visit to the hospital. 
So after speaking with this debt collector, who told me that our phone conversation would be recorded for purposes of collecting a debt, we had agreed that I would make the first installment of {$100.00} USD and it could be made online. A couple of days later I received a billing statement from their local office stating the name of the hospital and the full amount I owed including my account number of the debt collector and local address and phone number. So I went online to make the full payment but the website would only accept {$100.00} increments per transaction so over the course of 3 days ranging from XXXX I made the incremental payment amounts and on XX/XX/XXXX I paid the final amount of {$62.00} which should have satisfied the payment of the total debt of {$260.00}. However as I have went online to my debit card company and checked the amounts paid out to the debt collector it shows that my card was charged for {$330.00} to the debt collector with the most recent charge on XX/XX/XXXX. An overcharged amount. Whenever I called the local office a few miles away I talked with a service representative who said my account officer would be handling my issue, she hung up on me. So I called the parent office on XXXX XXXX located in florida and I was hung up on once again the call I made to Florida was placed at about XXXX XXXX their office closes at XXXX XXXX. Noone from the company is handling my issue and I keep getting hung up on. Whenever I called the hospital directly they have no record of My Bill being delinquent nor do they have any unpaid balances.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: RFNA, LP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Republic finance wants me to pay XXXX dollars for an attorney fee to remind me that I'm late on my loan after I already paid a late fee. 
The contract doesn't state how many days I have to be late to pay an attorney fee and Republic Finance keeps harassing me over the XXXX dollars attorney fee. 
A Republic Finance employee told me on the back of the contract it states " I will pay you all cost you incur in collecting this note '' but I was told by Republic Finance when getting the loan all I had to do was tell them I was going to be late and when I was going to be able to make my next payment but they said the XXXX dollars fee is not on the contract but it doesn't mean I don't have to pay it even after paying the late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this account was charged off more than 180 days ago in accordance to the federal law if something was charged off more than 180 days it is illegal for the original debtor to sell that to a third party collection office and they have received a tax credit and it is illegal to double dip i am insisting that this be removed off my credit within the next thirty days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received XXXX XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened XXXX XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened XXXX XX/XX/XXXX with a balance of {$900.00} -This is not my account.

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