BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-25
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX continues to report a medical debt in the amount of {$62.00} that was paid by my insurance provider. XXXX XXXX purchased this " debt '' from XXXX XXXX XXXX. XXXX XXXX XXXX no longer has any information on this alleged debt. Their number is XXXX. XXXX XXXX XXXX is reporting that this alleged debt has been delinquent since XXXX. That is not true as XXXX is the date that we were serviced. I spoke with XXXX at XXXX on XX/XX/29 who stated that she could see that something happened to my son 's arm and demanded that I pay the debt. My son is a minor and she should not be able to just spread that information regarding what he was seen for. Her supervisor XXXX XXXX. He will not return my emails. The information that XXXX blurted out is a HIPAA violation. Further, XXXX XXXX began collection only 120 days after the bill was paid by my insurance provider. This is a violation of the NCAP settlement agreement. Per the NCAP policy collection agencies are supposed to allow 180 days from the date of delinquency to pass before attempting to collect on a debt.The 180 days is to allow the insured and the insurance provider to ensure that the medical bill has been paid correctly and to sort out any issues of coding error, policy error, administrative errors, etc.The payments regarding this service were made in separate check increments. Attempting to collect additional money on this claim is a violation of the FDCPA. XXXX XXXX keeps verifying that this is a valid debt with XXXX only in an attempt to collect on it. Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX are located at XXXX XXXX XXXX XXXX, TX XXXX. Please find attached a copy of the balance sheet provided to me by XXXX XXXX XXXX XXXX that proves that the services were paid and the date that the claims were paid electronically to the providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: GREAT LAKES
State: WA
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:
My loan it seems was transferred from XXXX to Great lakes in XXXX of XXXX. I have never once received information pertaining to this via email or phone until XXXX. Now it seems I am 4 months late with my payments which have been automatically paid through XXXX XXXX for the last 11 years without a hitch. Not only will Great lakes fail to acknowledge that the y may have bade an error but are trying to charge me 2.75 % instead of the 1.75 % I had been paying for the last 9/10 years. This is a scam that must be addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The previous investigation did not fix error.

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 2020-02-27
Company: EQUIFAX, INC.
State: OH
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:
From XX/XX/XXXX until XXXX XXXX My accounts with XXXX have been listed as in dispute and I have no heard a word from Equifax after i sent letters several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is attempting to collect a debt that I do not owe them. This company is claiming that they know for a fact that I am who owes this debt. I have never lived at the address that they 're claiming that this debt was made. I have asked this company to validate this debt that I owe, but all they have sent me is statements, but this is n't properly validating this debt because anyone can get a credit card in my name if they have the proper information to do so. I have no contract with this company and neither have I ever heard of this company. I ask that this company provide me with an agreement with my signature on it stating that I agreed that this debt is mine. If this company ca n't properly validate this debt as I asked them they should REMOVE this debt from my credit reports. I feel as if I have been treated unfairly because this company is n't trying to properly validate this debt. They simply said that they have provided the documents that I asked for when I never received a copy of an agreement with my signature on it. I will also attach an identity theft report that I filed with the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Bank of America card was opened with my information. I was notified by XXXX XXXX. I did not apply for this card. I notified them it was verified that the wrong address was applied to this account. The card has been locked no funds were utilized on this 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 non-monetary relief
Consumer complaint received 2020-02-27
Company: Fay Servicing, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Our mortgage is currently held by Fay Servicing, a debt collector. We had some financial issues and as per their website and customer service, we applied for assistance through a loss mitigation form in XXXX. After countless back and forth for additional documentation the application was deemed final on XX/XX/XXXX and a notice was sent to us stating that they would make a decision within 30 days. 
We received word yesterday that out application for a deferment was denied and we are qualified for a short sale. This is not what we applied for. Now they are threatening foreclosure unless we pay 4 months mortgage in one lump sum to reinstate the loan. At no point in this process were we made aware that this was a possible outcome. 

After further investigation I see that this predatory practice was recognized by the CFPB and action was taken against Fay Servicing in XX/XX/XXXX. I urge you to look into their practices as it seems from our example that they are eager to have their customers foreclose on their properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank has consistently lowered credit limits and even closed my accounts that were always paid on time and were in good standing! This has created problems with my XXXX XXXX dropping. Two of the accounts they closed were two of my longest standing accounts, were used and not inactive, and paid every month on time for over 10 years!

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 2018-01-12
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: Information belongs to someone else

Complaint:
XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a XXXX account. While no account was established the application left a fraudulent related inquiry on his Experian credit report. Attempts have been made to remove the inquiry as it is fraud related however even with a clearance letter from XXXX, Experian has verified a fraudulent inquiry as being accurate and factual which is a violation of federal consumer laws under 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 non-monetary relief
Consumer complaint received 2022-01-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Date of ambulance service with XXXX XXXX XXXX : XX/XX/21 Date of first and only bill from XXXX XXXX XXXX XX/XX/21 Insurance submitted XX/XX/21 via USPS from original bill No correspondence from XXXX XXXX XXXX or insurance Received telephone call XX/XX/21 from Wakefield and Associates notifying of debt ; asked representative XXXX to mail notification of debt to home address Received debt notification from Wakefield and Associates XX/XX/21 Interest already accrued as of the date of the letter, no information on how often interest accrues No notification from XXXX XXXX XXXX or Wakefield and Associates on how to dispute debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Professional Adjustment Bureau of Mid-America, Inc.
State: IL
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:
XXXX XXXX, 2018 Talked to supervisor at Professional Adjustment Bureau of Mid-America Inc. who continued to threaten legal action if 10% of debt was not paid immediately. ($XXXX total) I have continued open communication to make notes in the account and arrangements to knock down the total debt until tax returns could pay off balance in full. I made a $XXXX initially and then another $XXXX before XXXX. When I called to make a large substantial payment today (X/X/2018), the associates continued to threaten legal action if I could not come up with 10% ($XXXX) of the money and continue to make $XXXX auto withdraw each month after. I am tired of being mistreated and disrespected, with condescending remarks and being talked down to in a threatening manner. Collections can play by a different set of rules, but not outside the bounds of the law. They prey on the weak and vulnerable using dirty collection business tactics. You can not threaten legal action and use that threat to extort money in order to keep a case or account in your office so credit score and legalities are not effected. You can clearly hear the evidence in the recording of the conversation I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original Creditor XXXX XXXX sold the debt for a studio lease to National Credit Systems after they changed management companies. National Credit Systems added three tradelines worth of debt on three credit bureaus without proof and incorrect amounts and account numbers. Only one discrepancy  remains on Equifax and they 've refused to remove the last discrepancy because it 's due to expire in XX/XX/XXXX, the seven year mark, however it 's not fair and I 've been battling this for a long time over 3  years in credit repair. This is unjustifiable that three tradelines with inaccurate information were added to three credit bureaus and the only excuse they can provide is it 's due to expire in XX/XX/XXXX, I think I 've suffered enough injustice. Please look into this. Thanks.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had immense difficulty in trying to freeze my credit with all reporting agencies. After the hack that stole data from Equifax, freezing my credit should be free across the board at minimum. Better yet, they should automatically freeze all credit until you unfreeze it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 company has responded that it is still working on your issue and my credit score dropPed 70 points cause i reported this to CFBP?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We resolved the issue, but I would like to share our story with the CFPB in case other consumers are affected. My wife just opened a new XXXX store card. The company, though, Comenity - XXXX has charged us late fees for 2 consecutive months on her card. This happens because the company tends to process our payments late. It feels as if they do this just so they can charge us fees. Since we use our bank 's billpay service, our bank confirms when the company receives the payments so we know that our payments arrived on time. Therefore, while we were willing to accept the first late fee as a possible error on our behalf ( we scheduled the payment for the due date ), we ensured that Comenity - XXXX received this " late charge '' payment a few days prior to the due date. The company STILL sat on our payment for a few days, processed the payment 1 day late, and charged us new late fees. We called Comenity - XXXX to resolve the issue, and they refused to reverse the charges. After a threat to report them to the CFPB, they decided that they could offer relief for our situation and dropped the fees. Still, we closed the card and are still lodging a complaint so others are not swindled by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A refusal of a bank to refinance a maturing 2nd mortgage with a predatory balloon payment. The mortgage holder ,a senior citizen  never missed a payment for 15 years and can continue to pay monthly principal and interest payments until the sale of the house.This is the same bank that ripped off it's mortgage holders in a forced place insurance scheme class action scam.  I am part of their New fee scam. In XX/XX/XXXX XXXX XXXX XXXX made a consumer loan to me never mentioning the pending balloon maturing in XX/XX/XXXX.A New local loan officer  in XX/XX/XXXX called me warning me of my pending foreclosure. She suggested I apply for a modification borrowing not the current amount of XXXX but $XXXX principal. After several weeks I was denied the modification on the basis of too many inquiries(all the inquiries were made by XXXX XXXX),outmoded and arbitrary loan ratios,and the loan the bank made in XX/XX/XXXX.Now the bank has started foreclosure.Dreams of anew fee scam are dancing in their heads.I wrote the president of XXXX XXXX XXXX alerting him .Never a reply. This bank is corrupt from it's head I expect much false witness against a me from this bank. .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
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:
I have several inaccurate marks on my credit report that I have attempted to correct several times. 

I have asked for verification of the validity of these accounts months ago, XXXX  especially, only temporarily removes the account and then puts it right back in 30 days. 

Accounts that are not valid : - XXXX XXXX - XXXX - XX/XX/XXXX - {$95.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX *Note* - XXXX XXXX XXXX claims that I made 100 % of my payments, yet they display 5 negative remarks, and also they are claiming " negative marks '' on dates after the account was already closed ... this obviously is not my account, nor verifiable. 

Inquiries Not Valid : - XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX - XXXX  XXXX XXXX  XXXX -  Inquiry date : XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Recently, in XXXX of this year, my wife and I paid off over {$10000.00} in credit card balances, in doing so my credit score went for XXXX to XXXX, with no other items being reported on my credit score. I contacted Equifax directly, and after spending 30 minutes on the phone, and suppling every possible piece of personal information to them to verify my identity, I was informed that their verification process failed and I was REQUIRED to submit my identification in writing???? All this before they could tell me why my credit score tanked after paying off 4 credit cards? Equifax is holding my credit hostage for no reason and have made it impossible for me to make corrections or have questions answered in a fair and timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Lending Club Corp
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Lending Club is still reporting a balance owed when I paid off the balance completely in XXXX 2021. Please see attached as proof. Please update the balance to zero immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
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 credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In reference to my earlier complaint XXXX with Capital One, I have new supporting documentation of all accounts satisfied in full with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I contacted a representative from Trans-union and notified them of credit inquiries that were run on my credit report without my knowledge do to an error with trans-union. The representative was unhelpful in assisting me in removing these unauthorized inquires.

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 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Recently, in XXXX of this year, my wife and I paid off over {$10000.00} in credit card balances, in doing so my credit score went for XXXX to XXXX, with no other items being reported on my credit score. I contacted XXXX directly, and after spending 30 minutes on the phone, and suppling every possible piece of personal information to them to verify my identity, I was informed that their verification process failed and I was REQUIRED to submit my identification in writing???? All this before they could tell me why my credit score tanked after paying off 4 credit cards? XXXX  is holding my credit hostage for no reason and have made it impossible for me to make corrections or have questions answered in a fair and timely fashion.

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 2021-10-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am being sued by a collections company ( Midland Credit Management ) for a debt that they purchased, when asked them to validate debt, they sent copies of a statement from original credit card. No actual proof of me owing them the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XX/XX/2018 XXXX XXXX  should have been deleted permanently XX/XX/2018 XXXX XXXX XXXX should have been deleted permanently XXXX as well should have been deleted permanently

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