BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-15
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
security credit services placed a collection account on all three of my reports and at first had the date and amounts wrong, I disputed this and it was changed but the original creditor had been deleted a couple years prior, then just this year this collection co. appeared, I have demanded that they be deleted but havent been as of today. This account would be 6 years old today by the original creditor, I cant see what the collection agency has listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
We use XXXX to pay our credit card for us. It is wonderful, and we don't have to worry about our bill because they debit our checking account and pay off our credit card every week. It is fabulous. However, Capital One thinks this violates our privacy, even though we authorized XXXX to do this, and they have taken many steps to ensure our privacy and protection. We got this credit card with Capital One specifically for this purpose, to use with XXXX, and we will have to find another credit card if Capital One can't resolve this issue. Here is the letter we received from XXXX regarding the issue : " We are writing to you today to inform you of an issue with Capital One accounts on XXXX. We recently discovered that our bank connection partner that allows us to access your account balances is experiencing problems with their Capital One integration. 


This means that we wont be able to link new Capital One cards to XXXX and any Capital One cards you've already linked will not update with new transactions until this is resolved. Starting tomorrow, we'll pause all Capital One credit cards with XXXX, and if you are using a Capital One checking account we will disable automated withdrawals. We are also going to create extra payments for all Capital One credit cards to make sure any funds in your XXXX account are applied to your cards. 


Our engineering team is working hard to resolve this issue quickly although we dont have a timeline for a fix at this time. We apologize for this inconvenience and will let you know as soon as we have made significant progress and can reactivate these accounts for you. 


This news has been extremely disappointing to us here at XXXX, and we believe that Capital One is not being fair to their users who rely on them for financial products both large and small. We are encouraging all of ours users to contact Capital One and complain if you enjoy using XXXX and other finance apps. You can reach them : On XXXX : @ CapitalOne # protectdataaccess By Phone : XXXX You may also file a complaint with the Consumer Financial Protection Bureau : https : //www.consumerfinance.gov/ Sincerely, XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: SYNCHRONY FINANCIAL
State: WA
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:
We received our 6 month auto insurance bill on or about XX/XX/XXXX. We noticed it had increased from {$1000.00} to {$1300.00} in six months. In speaking with our Insurance Agent he referred us to someone who would research the issue for us. NOTE : We had had no accidents, citations or other negative events to affect the increase in our coverage. In speaking with this Insurance Rep. she said that a red flag was observed in that we had closed an account we had had for 34 years recently. I denied we had closed any old accounts for years. There was nothing they could do about it because of what they saw reported. They did not receive specifics, so I got my 3 credit reports. I saw that the long held account had in fact been closed in XX/XX/XXXX, however, this financial institution had made a report in XX/XX/XXXX on an account that had been closed in XX/XX/XXXX. I also saw that this same institution had made a report in XX/XX/XXXX on another account which had been closed in XX/XX/XXXX. These reports on long closed accounts have had negative impact on our finances by making unnecessary misleading reports which have caused our rating to go up for insurability.

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 2018-12-15
Company: WELLS FARGO & COMPANY
State: GA
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:
My XXXX/ wells Fargo account was late due to military obligations. I told them my account had changed and I was in an area without any communication which resulted in those unforeseen late payments. They denied me late removals and closed my account. I am still paying and trying to resolve this issue without luck as of 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 non-monetary relief
Consumer complaint received 2018-05-17
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently pulled my credit and noticed that medical data systems was reporting on my credit report. I have never been contacted by mail or phone regarding this account, And it's a HIppa violation for medical providers to sell my information to 3rd parties.

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 2018-12-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I submitted a complaint against XXXX XXXX XXXX   XXXX for a debt that was not verified. The company responded stating they had sent debt verification and the debt was valid. As of this date, I still have not received validation of the debt other than an invoice received, on their letterhead, showing the amount due. I have received no copies of the original invoices, no proof that the company is legally entitled to collect the debt, no proof that the company is contractually able to collect the debt on behalf of the original creditor, nor proof that the debt belongs to me. The company continues to falsely claim that they have met their oblications under the FDCPA.

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 2018-05-17
Company: Navient Solutions, LLC.
State: AZ
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 incurred student loans while attending the University of XXXX. My student loans were serviced by Sallie Mae/Navient, who never advised me of student loan forgiveness through public service/law enforcement employment. Rather, they continuously provided deferments. Only in XXXX did I learn of the public service student loan forgiveness program from a co-worker. Subsequently, I contacted the Department of Education and asked all the criteria and details to qualify for public service student loan forgiveness. I was advised to consolidate my student loans with the Department of Education and was advised step-by-step which repayment plan to enter in order to qualify. I contacted the Department of Education several times over the next few years to make sure I was on track with the right repayment plan. The last time I called, I was told that the repayment plan I was making payments under did not qualify for the public service student loan forgiveness program. I have worked for the federal government in law enforcement for 26 years. I hold Navient responsible, but the Department of Education as well for misleading guidance and information. None of the payments I have made qualify for the student loan forgiveness program. I am XXXX years old and my student loan debt is higher than the original loan amount. In XXXX tax year, only {$4.00} went toward the principal, and even less in XXXX. This started with the O'Bama administration. I did find after researching the federal register that the O'Bama administration failed to make student loan forgiveness programs known to the public and that Congress directed that measures be taken to make the public aware of such programs. XXXX, even the Department of Education was/is remiss in its duties to make borrowers aware of the proper repayment plan. I was deceived, misled and misguided by Navient and the Department of Education about the requirements to qualify for Public Service Student Loan Forgiveness programs. My student loan debt is higher than the original amount now by about {$5000.00} to {$10000.00} dollars. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, INC.
State: AR
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:
My account with XXXX XXXX is still being reported. However this account was closed in 2014 when I purchased a new vehicle. XXXX XXXX  has manytimes refused to submit a timely response to my questioning concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Date : XX/XX/2018 XXXX : XXXX XXXX @ Portfolio Recovery called me. I had to say " Hello '' multiple times before she started talking. She wanted me to verify my info ( last 4 digits of my SSA # ) before she would tell me she's from Portfolio Recovery. I repeatedly told Portfolio Recovery to stop contacting me. They don't listen.

I repeatedly told them robo-calling is illegal and told them to cease and desist any future contact. They still continue to harrass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I transfered {$7000.00} from a business account into my credit card, which did not have a balance, by accident. After realizing the money had been transferred into the wrong account I immediately notice the money was out of my account and not in the originally intended account I found the money and began trying to reverse the transaction via online. After no success I began to call Wells Fargo Credit Card customer service I began to call to reverse the transaction. After being transferred three times I was told I had to wait up to 5 business days to receive my money back in my account. This all took place on XX/XX/2018 from the hours of XXXX XXXX to XXXX XXXX. The final customer care person was XXXX XXXX with Wells Fargo Credit Card services. I would like to mention that all accounts involved were Wells Fargo Accounts.

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 2019-11-17
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX and apex asset management XXXX PA XXXX XXXX XXXX XXXX PA service XX/XX/19 Balance of bill in the amount of {$110.00} was paid in full and deducted from my checking account on XX/XX/19 I was in the hospital XX/XX/19 staring receiving bills in XXXX original amount was over {$280.00}. 
I called XXXX XXXX XXXX explained I had many bills from co pays and coinsurance and was paying all of them something each month, explained i would make payments which i did starting in XXXX we are talking two months here. I made payments resulting in the {$110.00} balance in XXXX .even though I was making consistent payments and contacted their office they still sent my balance of XXXX to Apex Collections, ( not fast enough for them!!! ) NOTE I paid the balance to XXXX of XXXX prior to receiving any notice from Apex. I contacted APEX-XX/XX/XXXX they say neglected to update the records and now i need to send proof. To me this situation is unjust and undo and unnecessary harassment. XXXX received payment and should rectify this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company I am having an issue with is XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, CA XXXX I moved out of my apartment in XX/XX/2018, with one month of my lease remaining. I was unable to pay my rent, and after receiving a pay or quit I chose to quit. I cleaned the apartment and left.

They kept my all {$1300.00} deposit, which was the two months rent I owed, and then sent me to collections with a company called IQ DATA INTERNATIONAL for over {$8000.00} of random and unitemized fees around XX/XX/2018. 

They are currently not answering my calls and have blocked my online access to the lease I have with them. This is preventing me from gathering the information I need to properly dispute the claim. 

I have disputed the claim with all three major credit reports, XXXX, XXXX and XXXX during the month of XX/XX/2018. 

At the moment this issue is preventing me from being able to pass a credit check and move into a new home. 

XXXX  is claiming I still owe the debt but there is no documentation of what it is for or why I owe it. I am still waiting to hear back from the other two credit unions, but I am hoping you can help me resolve this issue before I need to spend money I do not have on a lawyer I can not afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They have changed the amount to this alleged account two to three times per monthThey keep changing the amount from {$450.00} to {$450.00} which is illegal. Ive never made any payments on This accounts on XX/XX/XXXX I sent a letter to this company asking for them to validate the account, but they have yet to so. As per FCRA, if XXXX debt collector does not verify the account ; it must be removed. At this point Im going to have to file a complaint with the FTC and small claims court. This is illegal and they have yet to prove that they can collect in this debt. On XX/XX/XXXX they removed the account from my report and added it back to flag it as a new account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I've tried all day to send money to XXXX and I keep getting " We've encountered an error. We were unable to process your request at this time. Please try again later. '' after uploading pictures of official identification ( driver 's license ). I called Moneygram and they said to try different browsers, which I did. I tried with XXXX, XXXX and XXXX. They also suggested I try the  XXXX  version of their service, which strangely was 2X the price of the Moneygram-proper site. 

As of yet, I have not been able to send money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: JPMORGAN CHASE & CO.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
in XX/XX/XXXX i needed to leave the US and go to XXXX to take care of my XXXX  grandfather, he has since then passed. as a result of this move i became fraudulent on my payments with this JPMorgan. I have a cosigner my father who was taken to court and forced to have wages garnished. Now his health is in jeopardy and I'm returning to the states in XX/XX/XXXX pending some final arrangements that need to be made in XXXX. 
While i was working with the XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX i was in good standing with them, i plan on returning to this industry in and effort to liquidate the debit as quickly as possible. 
I believe that i was a target of predatory lending since i was a first generation and eldest in my family to attending college ( XX/XX/XXXX-XX/XX/XXXX ). we didnt know any better we thought we were investing in my future but upon my graduation the financial crisis hit and of course i was forced to use up all of my forbearance time on the loans. 
I am in desperate need of assistance i do not dispute that the loan was taken and used but i would like some assistance in coming to terms with an acceptable payment plan, one that releases my father of his obligations and put the burden back on me. the total amount owed, i Believe has been worked down from XXXX to about XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Summary : XXXX XXXX incorrectly places at 120+ day late payment on my credit report. I completed the dispute process and received a letter, from XXXX, dated XX/XX/2018 stating that they ( XXXX ) were requesting the delinquency be deleted from my credit report and they were notifying the three credit agencies ( XXXX, Equifax and XXXX ) they had 30 days from XX/XX/2018 to update their files. The three agencies deleted the error on XX/XX/2018, but the negative XXXX payment reappeared on my credit report as of XX/XX/2018. 

Impact : This error was discovered, much to my surprise, in XXXX of 2018 while trying to apply for a home loan. At that time my interest rate was quoted to be XXXX XXXX with a score of XXXX, which I would have had without the negative item from XXXX XXXX 

Now, six months later with increased interest rates, I'm looking at XXXX XXXX. This error on the part of XXXX and now with the three credit agencies will cost me more than {$100000.00} over the course of a 30 year mortgage. 

Any help to have this error be permanently removed and done so as quickly as possible is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXX-XX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : XXXX XXXX XXXX   Dear Credit Bureaus, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION.

1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CREDIT REPORT 2 ) THEY HAVE REFUSED TO REMOVE MY LATE PAYMENTS ( WHICH WERE LATE DUE TO AN ERROR ON THEIR REPORTING SYSTEM ) EVEN THOUGH THEY VERBALLY SAID THEY WOULD. I WAS PROVIDED A REFRENCE # ON XX/XX/XXXX 3 ) AS OF XX/XX/XXXX THEY REPORTED I OWED THEM {$0.00}, WHICH WAS TRUE, THEN LESS THAN ONE MONTH LATER ON A CLOSED PREPAID ACCOUNT I SOMEHOW INCRUED {$140.00} OF CHARGES? INCORRECT REPORTING MONTH AFTER MONTH ON MY CREDIT REPORTS 4 ) KNOWINGLY REPORTING INNCORECTLY AGAINST ME I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit reports you publish. BECAUSE OF THEIR NEGLIGENCE, XXXX XXXX CLOSED MY CREDIT ACCOUNT WITH A LIMIT OF {$1500.00} WHICH HAD A {$0.00} BALANCE. CITING RECENT NEGATIVE REPORTING AGAINST ME ON MY CREDIT REPORTS. THIS IS DIRECTLY BECAUSE OF XXXX XXXX INNACURATE REPORTING OF MY ACCOUNT WITH THEM. 

I respectfully request to have all negative information they reported against me removed and the late marks must be deleted from all 3 bureaus reports as soon as possible : 60 days past due and the 2 months of late payments and the balance I do not have reported as {$0.00}. Which is incorrect as they actually owe me {$200.00}, as it was a secured card and I made all the payments in full and on time every month this card was open. This item is completely inaccurate and incomplete and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber you notified to me within 15 days. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 non-monetary relief
Consumer complaint received 2018-07-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
keep increasing my interest rate!!! as I continually pay off my loans Like they know I'm getting rid of the loan so now they want to increase the interest rate through the roof to maximize their profits.

Company response to consumer: Closed with explanation