BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested that XXXX XXXX  provide debt validation for the account with original debt from Florida XXXX XXXX for {$500.00} in my name. I informed XXXX XXXX that I never signed a HIPAA form to authorize XXXX XXXX to have access to the my private health information. I have not received the original contract showing my signature on any agreement pertaining to this account. I advised the company this is not my debt and that it should be immediately removed from my credit report. I have never received any documents that were requested from this company. It has been longer than 30 days with out response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24
Company: EQUIFAX, INC.
State: TN
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:
Equifax and XXXX are reporting an incorrect coding of the XXXX/XXXX   partial account number XXXX. This account actually needs to be coded as an M1. (  Please see pages 7 and 8 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX in the late afternoon I called AMEX platinum card, where my husband was the primary card holder. My husband passed away on XXXX XXXX. I called to close the account on which I was a secondary card holder. I was told by the company that if I did not pay the balance of {$3300.00} by the end of that day that the account would be turned over to a collection agency. Out of fear, and being in shock still from the death, I was intimidated into paying these expenses immediately. 

Now that I have spoken to others I am being told that this was a brutal abuse to avoid having the company insurance pay the balance and that I should not have been held responsible for these expenses nor should I have been threatened into paying this immediately, especially in such an emotionally vulnerable state. 

I feel completely abused by the disgusting display of brutality and abuse from a company that charged hundreds of dollars a year in fees and proceeded to keep my husbands earned points and blackmail me into paying medical bills and funeral expenses under pressure. 

I will add that these recent expenses were spent on my husbands medical bills for his XXXX treatments and his cremation expenses. Is it necessary for AMEx to steal from a heartbroken widow?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-07
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Capital One has a credit on there from over 10 years ago. Each year they change the date to a current year, and its inaccurate, this charge is from 2007

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: LEXISNEXIS
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have tried several times to get LexisNexis to stop reporting inaccurate information on my credit report. The bankruptcy they have on file it's not mine the address is not mine and the marital information is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My XXXX, XXXX  and XXXX  credit reports were accessed on XX/XX/2021 as indicated by a hard credit inquiry by Capital One Auto Finance. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via XXXX to the address indicated on the XXXX credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan Services, was my original mortgage company until they transferred me to PHH, XXXX c/o PHH Mortgage Services, XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX. 
When Ocwen transferred my account to PHH Mortgage, they added an additional {$120.00} dollars to my mortgage payment without notifying me of the additional money. I called PHH and ask why my mortgage increased. They sent a letter stating that Ocwen added that amount because of property insurance. 
I told them that I have property insurance and flood on my house already. I had insurance last year and for some reason the company dropped my policy and did not notify me. Ocwen sent my an agreement that I could pay for the last five month on installments {$26.00} of the approximate {$370.00}. I agree and began adding {$26.00} every month in addition to my regular mortgage payments. But when they transferred me to the new company ( PHH ) they told me, Ocwen said, the extra {$120.00} would for my escrow account. I told Owen I never had an escrow account because I pay my own taxes and property insurance for the 21 years I live in my house because I could manage my fixed income ( VA XXXX and Social Security when paying my bills. I continued to send the mortgage payments to PHH the amount I usually would send {$500.00} minus the {$120.00}. 
I asked Ocwen to send me a statement of how much I owed the from last year when the property insurance was dropped, they sent me a bill for {$1400.00} for five months. 
The last property insurance company dropped my account onXX/XX/XXXX and I was transferred to PHH XX/XX/29, I sent my mortgage in every month by money order and to PHH that I have not received any statement from Ocwen on what money was due for the last five months. Now Ocwen is documenting on my credit report that I have not paid my mortgage any of it, so I couldn't refinance or modify my mortgage with anyone else because of my low credit rating. This kind of harassment has to stop Ocwen is over charging me for the property insurance agreement that we had They are placing false information on my credit report, and trying to force me into an escrow account that I don't need or want. Please look into this situation to clear up this matter amenably Thank you for your assistance Reply, Reply All or  Forward Send

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Healthcare Collections-I, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In or around XXXX of this year I noticed a fraudulent account listed as : HEALTHCARE COLL I LLC in amount of {$1600.00}. I contacted the credit bureaus by submittinf my FTC Identity Theft Report. However, HEALTHCARE COLL I LLC continues attempting to collect this fraudulent debt in my name and reports the fraudulent information to thr credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I sent a certified letters to XXXX, XXXX and Transunion on XX/XX/2022 regarding inaccurate information reporting on my credit report demanding immediate removal of the inaccurate inquiry listings. XXXX, XXXX or Transunion has not followed up with me in over 30 days regarding the issue.

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 2019-10-07
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM AT A STANDSTILL AT THIS POINT OF MY LIFE AND THERE IS SO MUCH I WANT TO ACCOMPLISH. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-05-21
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
I learned today, via my wife, that Navy Federal withdrew {$160.00} from our Joint Checking Account with Navy Federal to pay a past due credit card balance with no previous authorization from myself to do so. They won't speak with my wife because, despite being a joint account holder for the checking account, she is not a joint holder on my credit card account. Now typically, as shown through my Navy Federal Credit Card ( XXXX XXXX XXXX XXXX ) payment activity, when I do miss a payment, I pay twice the amount the following month. Now, no one from Navy Federal Credit Union called me and left a message regarding the past due bill, they just automatically withdrew the money. Initially, I had my wife reach out to Navy Federal to resolve the situation but despite being a joint checking/savings account holder, they would not speak to her about the unauthorized deduction from the account because it involved my credit card, to which she is not a joint holder. In speaking with the credit collections department at XXXX, today, XX/XX/2019, they stated as part of Navy Federal 's Credit Card 's Terms of use they can make an such a deduction. I explained to them, that this is not legal and specific authorization has to be made by me or my wife to do so. I requested, then demanded the return of the {$160.00} as that is my son 's money ( who is XXXX going to be XXXX ). I am requesting the CFPB look into this issue regarding financial institutions who issue credit cards being allowed to make unauthorized deductions from private accounts without obtaining verbal or written authorization to do so. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I was injured in an accident. I am covered 100 % for accidents by my insurance company. Injuries required XXXX. I am covered 100 % for those provided the medical provider contacts the insurance company prior to treatment ( THIS IS IN MY FILE IN BIG LETTERS ... .I WROTE IT THERE MYSELF ). If they do this, I am covered 100 %. 

Bills came, and I was charged more than {$3000.00}. I explained and worked with the hospital repeatedly, for weeks, putting in more than 80 hours on the issue. The insurance provider allowed them to resubmit costs that THEY HAD NOT SUBMITTED PROPERLY BEFORE TREATMENTS. Despite this, they still did not do this right. 

I was told if I did not pay the $ 3K+ I would be turned into collections. I paid under total durress, and told them that. I contacted the ins. company, who hired a 3rd party mediator. Mediator found that they owed me that money back! I have an email for this. I forwarded the email onto the hospital, who became hostile. 

I was turned over to collections for what they now say is even more that I owe them, even tho I paid in full when I was never supposed to have to pay for anything. Now, suddenly, I owe them something even more?? 
The 3rd party mediator does not think so. Neither does my ins company. Both say the hospital did not submit bills right, did not correct them when given the chance, and is double dipping. 

I need help disputing this as now they have turned me over to collections and my score has dropped dramatically. I am a single mom of XXXX kids and now I can't even get a loan. 

When I " disputed '' this with TransUnion, and told them I have a letter of conclusion from the 3rd party saying I am owed a refund, they never even contacted me ... the just said at the end of 30 days that my " investigation into the disputed item was closed '' and I am found to owe the money ... No one on my side of the issue was ever contacted by Trans Union.

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 2020-05-05
Company: EQUIFAX, INC.
State: AZ
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 A XXXX CREDIT CARD, ITS A XXXX XXXX CREDIT CARD ACCT # XXXX. THERE IS SOMEHOW A LATEPAYMENT ON MY CREDIT REPORT, I HAVE 100 % NEVER BEEN LATE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: HEARTLAND PAYMENT SYSTEMS INC
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am attending XXXX XXXXl while also repaying my loans from XXXX XXXX. I am part of a work repayment program that requires my loans to be in repayment status to get the benefit. Heartland ECSI routinely automatically switches my loans into deferment despite a letter I sent in XXXX of 2018 asking them to place my loans back into repayment and to stop all future updating of my loan status. I sent an identical letter to XXXX, and they have stopped all updating of my payment status and followed my wishes. Heartland ECSI refuses to follow my wishes and make the process for removing the deferment increadibly convoluted and difficult to follow through. Additionally, their customer service reps do not listen to my needs and instead try to convince me that deferment is the right choice. I get the impression that Heartland ECSI does not care to heed my requests and is instead making it purposefully more difficult for me to repay my loans on my schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Pendleton Capital Management
State: NY
Product: Debt collection
Sub-product: I do not know
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:
XX/XX/2019 XXXX I received a call from a company claiming I have a debt that needed to be solved or legal action will be taken from a number them. 
XX/XX/2019 XXXX received the same call XX/XX/2019 XXXX again received the same call I decided to look up the number that was continuously calling me threating legal action, taking I have never seen this number before or have never been contacted by this number and most of the claims are harassing claims. 
The XXXX  reports within this company are horrible and several people claiming false legal action among them. 
I found 90 claims that most have said they have no debt and this company is calling harassing people. 
XXXX was the number I was contacted on and afraid of pressing 0 as they tell you to. I didnt want any of my personal information or personal things within my phone being obtained from a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion. They would not remove my fraudulent inquiries. It was not me. 
TRANSUNION XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX There we no actions taken at all!!

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 2021-06-23
Company: AmerAssist A/R Solutions, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX - XXXX XXXX XXXX and I do not have a contract with AMERASSIST AR SOLUTION plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I traded my XXXX XXXX XXXX for a XXXX XXXX XXXX. I called One Main Financial for a payoff on the XXXX XXXX, which they stated was good for 30 days. Shortly thereafter, on XX/XX/XXXX, I received a check from One Main Financial for {$700.00} which I deposited. On XX/XX/XXXX I received a notice from One Main Financial stating I owed {$1000.00} because I no longer had insurance on a vehicle they were financing. I contacted One Main Financial in response to the correspondance I received and had a One Main Financial employee fax over the amount she said I owed. The fax she sent stated I owed {$420.00}. I contacted them to state I don't owe and that I received a refund check for {$700.00}. I have been receiving bills from One Main Financial for various amounts. On XX/XX/XXXX, I received a bill for {$760.00}. I do not owe the bill. Based on the refund I received, I believe that my car was paid off by XXXX XXXX. The amounts in question are an attempt to collect " FORCE PLACED '' insurance during a time when I no longer owned the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Jefferson Capital - XXXX - Is reporting on my credit for a debt I do not owe. It was sent to collection in error and it has already been paid. 
I never received a notice regarding this, I only saw it on my credit report. This is in error!

Company response to consumer: Closed with non-monetary relief