BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-14
Company: Harvard Collections, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, On XX/XX/XXXX a collection ( total of 5 ) was placed on my XXXX  credit report by Harvard Collections. I found out on XX/XX/XXXX when I obtained my free reports. I was appalled as this is the 3rd agency that has tried to get the {$100.00} total from me. I have also received calls in the past from various collection agencies as well as postal mail on and off. I feel sick and angry all over again as I thought this ongoing issue was over and done with. To continue, I was never an inpatient anywhere in XX/XX/XXXX therefore the date is incorrect. I was however a patient in XX/XX/XXXX but my story and my truth remain the same. The first delinquency dates are incorrect as well-all 5, the charges were bogus and I confirmed this with a Medicare rep, in addition they waited 2 years to bill and all medical facilities know that they have 1 year to bill Medicare. I have copies of all the letters that I mailed to the first 2 collection agencies. I also have my notes regarding my call to Medicare and the rep that I spoke with as well as other notes, Medicare statements etc ... I hope something can finally be done now to stop these lying, harassing people and agencies etc ... they're relentless and it's very unfair and unjustified to ruin a persons credit with bogus charges. I hope the 5 collections will be removed from my reports as soon as possible as my credit reports are good and very important to me. I forgot to add that when this started I NEVER received any bills regarding the charges-just straight to collection and the first collection notice that I received was XX/XX/XXXX and the charges weren't on my Medicare statements either which I also confirmed with a Medicare rep. These agencies have also sent mail to relatives solely based on our surnames-sent to addresses that I have never resided at. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX - Received an alert from XXXX and XXXX regarding collections account added, XXXX XXXX for XXXX in the amount of {$370.00}. 

XX/XX/XXXX- At XXXX I called XXXX XXXX ( XXXX ) and  spoke with two representatives. The second representative stated that 5 notices of debt were sent to an address I have never lived at. 

Both of the representatives were extremely rude and misleading. I requested a Pay-for-Delete over the phone and both of them said " if you pay this it will be taken care  of '', which is nothing close to being deleted, but were phrased in a way to make you believe they would be deleted. I recognized their shady tactics and requested a verification of debt be sent to the correct address, however, the damage has already been done to my credit as the account was added without any knowledge of its existence.

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 2019-03-21
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Sir/Madam, its about reporting a collection on account of XXXX XXXX. few of documents are attached here with for your ready reference. 

i was resident of one of the apartment in XXXX XXXX. when i got the apartment, the price etc. was different & when they started billing me, that got changed. 

i was having a complaint of over charging, i talked to management & there was no resolve. 

on my regular follow up & arguments, Management had asked me to vacate the apartment & few days latter i got a eviction notice. 

i was asked to vacate that house means who brake the lease, not me but the management. 

i asked them to share the details of, XXXX Billing ( Normally XXXX  Charge Trash in their Bills ) Management  is charging is separate. 
Water Billing Trash etc. 

they dont have any supporting documents to support the billed amounts. 
its very high if you compare with other apartments. 

when i vacate the house, they had reported the XXXX XXXX on my credit. 
i already had spoked with XXXX XXXX, no response, XXXX XXXX Name : The Phoenix Recovery Group XXXX-office XXXX-fax XXXX if you review the attached bills, they charge it with no further details. 
XXXX SWAS Trash these bills must have separate supports. 
i was asked to vacate the house, who break the lease. its no me. 

Pls. help to resolve the issue & make sure management is not charging this to all residents. 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ Data International , INC. add a collection on my credit report who is not mine, charging me for {$2900.00} from XXXX. I sent a letter requesting a proof of any contract in XX/XX/XXXX who I had answer with a supposed contract who do not have my signature but has my name printed on it but NOT MY SIGNATURE. I sent a second letter attached with a copy of a contract they sent to me but I did not have heard back yet They do not have information of any ID or copy barely my hand signature ( Do not have my Driver license information on file who is normally required to do any contract ).. My next step will be filled a Small Claim lawsuit against IQ Data International, INC following items : -Violation of the fair debt collection practices act ( including but not limited to section 807-8 ).

-Violation of the fair credit reporting act ( including but not limited to section 623-a-3 ).

-Violation of ( insert corresponding state laws here if desired ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I was contacted by The Law Offices of Mitchell D Bluhm & Associates, LLC about an alleged debt in the amount of {$2100.00} to a creditor named XXXX XXXX XXXX. For emergency services supposedly received on XX/XX/XXXX at XXXX XXXX XXXX XXXX. They said that the debt was originally with XXXX XXXX XXXX XXXX but they sold it to XXXX XXXX XXXX. I let them know in writing that I HAVE NEVER BEEN at XXXX XXXX XXXX XXXX EVER or requested any services from that medical center. They claim that I received emergency services on XX/XX/XXXX and it is completely FALSE. I requested proof that this bill/account belonged to me and in return they sent me a confusing, innacurate statement of account with an address where I never lived XXXX XXXX XXXX ... and a medical account number that was not verifiable ( XXXX I tried to log in into the website they provided ( XXXX ) to see the details of this bill and it doesn't match any records. The medical account they have in the statement doesn't match with my date of birth. It is fraudulent and fake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint including GM Card/Capital One credit Card companies, and XXXX XXXX XXXX   XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, phone : XXXX 1. On XX/XX/XXXX, I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX. I am confused, stunned and surprised for {$5300.00} debt. I spent loads of time contacting GM Card, XXXX XXXX XXXX and XXXX XXXX, and Capital One to investigate the arrears of {$5300.00}. Because I did not use GM account since XXXX and I did not receive new GM card since XXXX. How could it be I use {$5300.00} from XXXX to XXXX. 

2. I found that Capital One sold GM account to XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, then XXXX XXXX XXXX XXXX XXXX XXXX XXXX was sold to XXXX XXXX XXXX XXXX XXXX after I spoke to Capital One customer service. 

3. According to my bank account statement, XXXX XXXX withdraws from my bank from XXXX to XXXX total amount is {$14000.00} + late fee of each withdraw {$2200.00} = {$16000.00} ( XXXX XXXX statement has 66 pages ) GM did not issue a new card to me, without my consent to take my money from my bank, and I also am unable to login online to check my account status because I don't have GM new card. 

4. On XX/XX/XXXX, I sent totally 91 pages statement to Capital One and XXXX XXXX XXXX XXXX XXXX via USPS certified mail with return receipts. But I did not receive any response from both sites. 
I reasonably believe that it is possible due to identity theft, or fault, or GM employee mistakes or any reason from XXXX to XXXX. But GM, Capital One, or XXXX XXXX   XXXX XXXX XXXX XXXX XXXX have liabilities to my loss. 

5. On XX/XX/XXXX, finally I received XXXX XXXX statement I can see GM took my money {$1800.00} and plus charged me let fee {$35.00} for each transaction. Totally {$2000.00}. 

6. I loss amount of money is {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX 2017 XXXX XXXX XXXX {$65.00} i had health insurance to cover the cost

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: ACS Education Services
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 information incorrect

Complaint:
I had a student load with ACS/Conduent from XXXX until I consolidated my loan in XXXX. They are reporting on all three credit reports that I was 60 days late on payment XXXX of XXXX. I was in a loan forbearance while in college, and I graduated XX/XX/XXXX. I am not able to access my account on their website anymore, I get a message that I no longer am a customer, which is true, as I consolidated last year. I have no access to my previous forbearance paperwork, which was completed online. I do have proof via email, from ACS that my forbearance was granted in XX/XX/XXXX and ended XX/XX/XXXX ; therefore, they reported me for being 60 days late in XX/XX/XXXX ; when the loan was in forbearance. This has ruined my credit and I need this removed from my credit reports. During that time in XXXX, ACS was bought out by Conduent, which it is now, so I think they messed something up with my forbearance during their change of companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: CITIBANK, N.A.
State: DE
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:
there are 2 inquiries that i didn't authorized from citi bank from XX/XX/2018 and XX/XX/2018.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are over 34 inquiries on my credit reports that are not valid on all three reports.

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 2019-04-14
Company: Scott Fetzer Financial Group Inc.
State: DE
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:
there are 2 inquiries that i didn't authorized from XXXX XXXX from XXXX XXXX and XX/XX/XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Summary : CMG Financial has over-charged me interest on my mortgage loan. On top of that, they have not been cooperative with me in remediating that issue. 

Background : I used to have a previous mortgage with them, Loan number XXXX, which I paid off via refinancing with another company ( XXXX XXXX DBA XXXX XXXX ) on XX/XX/2021. 

However, CMG Financial reacquired my loan ( they bought it from XXXX  ) so now I have a new loan ( number XXXX ) with CMG again. I dont know the exact date as to when they acquired my loan from XXXX ; only thing clear is that they could not have acquired it until after the refinancing escrow had closed on XX/XX/2021. 

This means that for the XX/XX/2021 monthly mortgage payment, I should only be charged interest for the actual number of days remaining in the month of XX/XX/2021 after ecrow closing on XX/XX/2021. 

I have sent several messages to them using their website and also made follow up phone calls to no avail. In a phone call with them on XX/XX/2021, the lady I spoke to said they will do a loan analysis to confirm interest charged and get back to me within 24 to 48 hours. I did not get any reply. 

On XX/XX/2021 at XXXX XXXX  PST, I sent them a message ( using their website ) and I mentioned that if I still do not get an update from them by XXXX XXXX  PST of XX/XX/2021 that I will have to file a complain against them, since that would be already 3 days from the time they were supposed to do a loan analysis. 

Around XXXX XXXX  PST on XX/XX/2021, I called their hotline to try and get an update since no one has responded at all to me. I told the lady who I spoke with to relay my message to a manager that if I still do not get any response by XXXX XXXX  PST of XX/XX/2021, then I definitely will have no choice but to file a complaint against them. 

Note : I had already made my XX/XX/2021 mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
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 fraud alerts or security freezes

Complaint:
I tried to log on to Transunion credit reporting bureau to lift a credit freeze. I got a message saying my password was not correct. I tried resetting my password and got a message that they could not identify me. I then tried to create a new log on and got the same message that they could not identify me, although I provided all the information about my identity they asked for. I then called the customer service number they provided to fix problems with logging on. The guy could barely understand English and was hard to understand. He would ask me a question. I would answer and then the line would go silent for 3-5 minutes before he would ask me another question and many times he would ask me the same question again after I already answered. It was like talking to an XXXX. After a half an hour of this I was getting no where so I hung up.

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 2017-12-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
1. File suit for a debt taken out XXXX XXXX, attorney knew or should have known was time-barred 2. Failed to notify me of final judgement/lien 3. Improperly signed my name to Court Order & Judgement which I never saw or knew had been issued 4. CFPB to impose {$1000.00} statutory penalty ; liability for emotional distress, losses due to potential delay in mortgage refinance 5. CFPB to note violation of Court Order Civil Action # XXXX dated XXXX/XXXX/XXXX and take action as appropriate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Capital one auto finance is incorrectly reporting my home address from a charged off auto loan. They are still reporting and old address from 2013 '' XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX, XXXXMy current address " XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. Could you please update the address and report it correctly. Thanks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Multiple overdraft fees after being charged for not having enough in the main 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
Consumer complaint received 2019-03-21
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants INC. has added a collection file to my credit report for a XXXX bill that I do not own I have never had XXXX  and i have contacted XXXX  before and explained this to them. They must have the wrong XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I was traveling outside the country ... At least 2 weeks before my travel date I called fifth third bank to ask them can i use my fifth third AC360 MasterCard in XXXX. They told me yes. As long as its not a country that the U.S. have sanctions against. Well on XX/XX/XXXX my card stop working and i called to see what was wrong with my card. The customer service department continued to hang up the phone on me while i was in a foreign country. they never tried to contact me back to see what the problem was. They never contacted me to tell me they put a block on my card for a transaction i attempted to make on my card while i was in XXXX. Even after returning to the United States the card would not work ... i went inside the bank to resolve the issue with customer service and they called AC360 and the fraud department and they hung up the phone on me also several times. They also charged me the foreign transactions fee for the transaction that they never approved. I feel they never tried to contact me back about the block on the card because they do not want XXXX men to travel outside the country in the first place. They never tried to contact me by phone, text or email. All they did when i tried contacting them is hang up the phone. I cant contact them because they going to hang up the phone on me because i am XXXX.

Company response to consumer: Closed with explanation