BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-09
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I paid XXXX XXXX for XXXX imaging services performed on XX/XX/XXXX. The amount paid was {$930.00}, the amount due and owing. My insurance company at the time, XXXX XXXX XXXX XXXX of Georgia, paid the hospital {$4900.00} for a total paid and allowed as {$5900.00}. Discounts negotiated between XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ) were expressly stated as {$6600.00}. The total cost of the service was {$12000.00}. Now in XX/XX/XXXX, XXXX XXXX billed for amounts identified as the discounts in the XX/XX/XXXX billing statement dated XX/XX/XXXX. It is well over a year later, and XXXX XXXX somehow adjusted the discounts afforded XXXX in XX/XX/XXXX and billed me for {$3400.00} in XX/XX/XXXX. I wrote a letter requesting the contract and pricing schedule related to XXXX XXXX services which allows for XXXX XXXX to bill for these amounts that were contractually negotiated as allowed discounts for XXXX  subscribers, and my letter was ignored and my account placed in collections with XXXX XXXX XXXX. I asked the collections firm for the documents I requested that would be found in the services agreement, and they stated that I should take the matter up with the creditor, XXXX XXXX because I have all the documents I am suppose to have. Since this verbal request to XXXX XXXX XXXX, I requested debt validation from XXXX XXXX XXXX and made a second attempt for production of documents from XXXX XXXX related to the contract which allows for the disallowance of contractually negotiated discounts for XXXX subscribers. 

This is not right and makes no sense. My account was paid with no balance due, and now I am in collections with a third party collections agency because XXXX XXXX fails to be transparent about discounts no longer afforded to me as a XXXX subscriber over a year later. XXXX has sent me another explanation of benefits dated XX/XX/XXXX which states the same discounts and allowances as my explanation of benefits dated XX/XX/XXXX. Both XXXX explanation of benefits summaries reflect the totals outlined above with my patient total stated as {$930.00}. 

Please request the documents I am not able to receive from XXXX XXXX so I can resolve this collections matter which is an amount I definitely dispute as not due and owing well over a year later. I have requested these contractual documents from XXXX  and awaiting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Someone has opened up a card at XXXX XXXX on XX/XX/2021. When I noticed the card on my credit report on XX/XX/2021 I reported it as fraud on both TransUnion and XXXX. I even opened up a fraud alert on identitytheft.org. When I filed the claim on identitytheft.org XXXX took it off immediately. I have filed approx 6 different disputes through TransUnion they keep stating that XXXXXX/XX/XXXX verified information and said it was me. When it wasnt. I have been trying to get in contact with XXXX XX/XX/XXXX since XXXX but the numbers I called would not transfer me to anyone unless I had the card number. I do not have the card number as to I NEVER opened up the account with them. I have finally was able to contact XXXX IXX/XX/XXXX on XX/XX/2021. I spoke with a XXXX from XXXX XX/XX/XXXXwho couldnt help me and transferred me to XXXX. XXXX advised he had opened up a fraud alert for me and that I should get an affidavit sent to me in the mail within 7-10 days. I called XXXXXX/XX/XXXXback on XX/XX/2021 I spoke to XXXX. I told XXXX what was going on an how I have not received the affidavit, he stated that the account was closed and alerted as Fraud and it was an error on their end and stated AGAIN I should be getting the affidavit in the mail. I STILL have NOT received the affidavit. I called XXXXXX/XX/XXXX again today on XX/XX/2021 spoke to XXXX she could not help me and told me to call back within 1-2 minutes. I call XXXXXX/XX/XXXXAGAIN still XX/XX/2021 spoke to XXXX she stated there never was an alert on the account as fraud and she opened up another fraud alert and stated that there will be an affidavit sent to me in the mail within 7-30 days. I call TransUnion to see if there is something they can do on XX/XX/2021 he advised that there was nothing they can do at this point because XXXX XXXX is still stating that I was the one to open the account when I didnt open the account. He said there was nothing he can do and he will open another dispute but it will most likely get closed again since I had already opened up 5.

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 2023-04-14
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
OPORTUNPROG ACCOUNT # XXXX, sent dispute letter, never sent original contract, to verify debt, this is a fraud account, company will not delete off my report XXXX amount {$1100.00}, this is a chargeoff account with past due XXXX XXXX XXXX XXXX sent dispute letter, never sent original contract, to verify debt, this is a fraud account, company will not delete off my report XXXX {$4000.00} past due {$95.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX, to remove : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX Ive already included this in my previous Complaint # & I am including it again.,

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 2018-10-09
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX continues to erroneously report ( and puts back on my credit reports if removed ) that I am not making payments debts that are more than 4 years old. ( past the statute of limitations in CA ) They are not allowed to report a late payment because the account has been closed for years and I have never agreed to pay them. Every month they erroneously report late notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX  XXXX reference # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX wireless is reporting a delinquent/unpaid account on my credit report. This information is erroneous as this is not my account. Im not certain if Im a victim of identity theft. According to my credit file, the account was opened XX/XX/XXXX but sold to XXXX XXXX XX/XX/XXXX. Both companys are reporting this on my credit report. The amount is for {$2000.00}. I would like some kind of proof that this is my account. I have already disputed these items.

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 2021-02-24
Company: Experian Information Solutions Inc.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect late payments as well as unverified charge-offs with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. And now, here it is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 issue involves my request to have my replacement card XXXX MAILED to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/2021, Captial One emailed me document links that I could not open after repeated attempts. Capital One requested copy of " Personal Indentication. '' For intregrity reasons, _Capital One - Deceptive Business Practices, Failure to Disclose Specific Information_I requested my Ohio Senator XXXX XXXX Office to forward the front and back of my U.S. Passport Card.

Capital One responded in a response to my Senator that Capial One could not accept my U.S. Government Issued Passport Card. Capital One NOT once specified what documents were acceptable.

Furthermore, Capital One has insulted my integrity. I have faithfully paid and kept my credit card account in good standing and I do NOT engage in any criminal and or corruptive activites in any shape, fashion or form. Capital One insulting of my integrity is NOT appreciated. 

It is NO wonder why in XX/XX/2021, Capital One was charged for willful and Negligent Violation of Bank Secrecy Act. Ordered to pay {$390.00} million in fines. Capital One is not worth my patronage. Capital One is Deplorable!!! 
On XXXX XXXX, I phoned Captial One and explained that I was overseas and offered my telephone number, but representative XXXX said NO Capital One would not call me overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX from Douglas, Knights & Associates sent me a letter on XX/XX/XXXX informing me of a claim for XXXX that they were trying to collect for XXXX involving an accident on XX/XX/XXXX that I wasn't involved in, on a vehicle not insured by me or registered to me. 

In addition, On XX/XX/XXXX, XXXX sent an email to my ex-husband and attached a suspension notice that she filed with the DMV to have my license suspended. He forwarded me the email but not the notice. 

On XX/XX/XXXX, I called XXXX XXXX to get a better understanding of the claim and she proceeded to yell at me saying she hated people like me who shirked their responsibility and didn't pay their debts. She said they were a law office and that they would have my driver 's license suspended if I didn't pay. I said I only wanted to get information and she said if I wanted information I should hire a lawyer. I asked to speak with her supervisor and she hung up on me. 

She continued to forward our correspondence to my ex-husband who also cooperated by threatening me to get me to pay this claim. On XX/XX/XXXX I sent XXXX a letter telling her to stop contacting me until she had proof that I was responsible for the debt. 

On XX/XX/XXXX, My ex-husband informed me I would be receiving an email from XXXX telling me my license would be suspended and he attached an email from XXXX with a letter from her to the DMV requesting that my license be suspended. I received the same email from XXXX and asked her why she was forwarding our correspondence to my ex-husband. She said I should have my attorney contact her. I told her I wasn't retaining an attorney and wanted to know why she was sharing our communication with my ex-husband, no reply. 

The letter sent to DMV misrepresented the claim and said that I was driving an uninsured vehicle. Again, I was not driving the vehicle and wasn't anywhere near the accident at the time it occurred. I asked them to please correct that statement with the DMV and they didn't respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XX/XX/XXXX and XX/XX/XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt. 

The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2017. 
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, XXXX Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$990.00} from XXXX or XX/XX/XXXX are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and reportability of this listing. 

I also sent XX/XX/XXXX and XX/XX/XXXX asking them to validate this debt. No information was provided back to me from XX/XX/XXXX or XX/XX/XXXX that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation. 

FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX, Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CURO Intermediate Holdings
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
IN 2010 " PAYDAY LOANS '' IN THE STATE OF ARIZONA WERE DEEMED ILLEGAL. " SPEEDY CASH '' ( A PAYDAY LOAN COMPANY ) OPENED AND CREATED '' ILLEGAL CONTRACT '' UNDER THE STATE LAWS. 

SPEEDY CASH THEN " SOLD '' ILLEGAL CONTRACT TO " AD ASTRA RECOVERY '' TO COLLECT PROCEEDS OF ILLEGALLY OPENED CONTRACT. 

AD ASTRA IS NOW ATTEMPTING TO COLLECT FUNDS FROM THE " ILLEGALLY ESTABLISHED CONTRACT ''. 

" SPEEDY CASH '' OR " AD ASTRA '' ARE NOT ENTITLED TO COLLECT FUNDS FROM ILLEGAL CONTRACT THAT SPEEDY CASH KNOWINGLY ESTABLISHED. 

" AD ASTRA HAS NOW ENTERED THEIR ATTEMPT TO COLLECT " ILLEGAL CONTRACT MONIES '' AND HAVE PLACED A DERRAGATORY MARK ON MY CREDIT REPORT ... THUS AFFECTING MY CREDIT SCORE NEGATIVELY AND IS PRESENTING AN OBSTACLE IN MY ATTEMPT TO REPAIR/CLEAN/ESTABLISH MY CREDIT SO-AS TO BE ABLE TO GET A MORTGAGE APPROVED IN MY NAME AND BUY A HOME FOR MY WIFE AND I. 

I HAVE DISPUTED ITEM WITH CREDIT BUREAU 'S, AND AD-ASTRA HAS UTILIZED TACTICS SO AS TO KEEP DISPUTED TRANSACTION ON MY CREDIT FILE ... .LIKE " REMOVING FILE FROM CTEDIT REPORT ... RAISING AND LOWERING DEBT AMOUNT BY {$1.00} ... THEN RESUBMITTING DEBT AS A " CHANGE IN BALANCE '' ON EXISTING FILE. 

THE COLLECTION AMOUNT THEN SHOWS UP BACK ON MY CREDIT REPORT, WHICH I AM THEN TOLD I HAVE TO " RESUBMIT DISPUTE '' BASICALLY STARTING ME BACK AT SQUARE ONE AND DISPUTE NOT RESOLVED. 

DIRTY TACTICS CREDIT BUREAUS ALLOW THEM TO GET AWAY WITH AT CONSUMERS EXPENSES. 

I WANT COMPLAINT FILED ... AND THIS REMOVED FROM ALL CREDIT BUREAUS AS IN THE STATE OF ARIZONA ... THIS TYPE OF TRANSACTION IS DEEMED " PREDATORY AND ILLEGAL '' AD-ASTRA IS THE DEBT COLLECTOR RESPONSIBLE FOR CREDIT REPORT FILING AND THEY NEED TO ADDRESS AND FIX THIS ATTEMPT TO COLLECT AN ILLEGAL DEBT ON AN ILLEGAL CONTRACT. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: PA
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:
Experian needs to remove this account from my credit file. XX/XX/XXXX and XX/XX/XXXX has already verified that neither of these accounts belong to me and have been removed. I was a victim of identity theft, I've been fighting for years to get my credit back on track. I have written letters filed police reports and Experian is the only one who as yet to take these accounts off my file. this person has absolutely ruined my life opening accounts, cards, bank accounts and loans. I truly believe this was a family member. In 2014 I did not have a income to open new accounts. This person paid on accounts over time continued using my credit then stopped. I've reached out to the creditors and Experian with the police reports, copies of my lease showing where I lived at the time these accounts were opened, letters that this is a violation of the fair credit reporting act and I have been ignored, yet XX/XX/XXXXandXX/XX/XXXX verified these don't belong to me. 

XX/XX/XXXX for the amount of {$2500.00} opened XX/XX/2014 XX/XX/XXXX in the amount of {$15000.00} opened XX/XX/2014XX/XX/XXXX in the amount of {$4100.00} opened XX/XX/2014

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 2017-09-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, In XXXX XXXX 2017 I made my first payment to Wells Fargo for my student loan. I requested a due date change for my payment to be scheduled for the end of the month. The representative took my first payment and advised me that she would submit the due date change and that effective XX/XX/XXXX the due date change would occur. She gave me the next due date of XX/XX/XXXX. XX/XX/XXXX I started to receive calls and notice by mail that my payment was late and additional fees had been assessed. I called in and spoke to a representative whom advised me at that time that it can take up to 60 days for the request to process. She had a supervisor waive the late fee and said she would submit my request again. I had a payment scheduled for the end of XX/XX/XXXX and was advised to call back on XX/XX/XXXX to make sure the due date change was still going to occur. I called in on XX/XX/XXXX and spoke to a supervisor named XXXX whom advised me that the request was declined again but that he would submit the request again and that it would go through. Here we are mid XX/XX/XXXX and my due date has not been changed. I called in today XX/XX/XXXX and spoke to a supervisor named XXXX. She basically said I needed to make a double payment, refused to waive any late fees ( due to their improperly trained staff ) and said there was nothing she could do for me. I would like any late fees waived and for the due date to be changed as promised when I made my first payment in XX/XX/XXXX. My account is only in this status because I was given wrong information twice now.

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 monetary relief
Consumer complaint received 2022-01-14
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: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I opened a savings account on line with Citi Bank. On XXXX XXXX XXXX   transfers XXXX from them to Citi Bank. This transfer occurred on XX/XX/XXXX. In the meantime Citi Bank closed the account because I use a XXXX mail store for my address as I have no home mail delivery. They say that I must have a home address. They closed the account. Now on XX/XX/XXXX and after many many calls to both banks neither can tell me where my funds are or accept responsibility for this. I am at my wits end.

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