BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked for VALIDATION DATION. I only received the same piece of paper with an account number and an amount on XXXX, letterhead. I have NO KNOWLEDGE of this debt ( I have ALWAYS had state insurance that paid a 100 % of my costs ) Therefore I would like some type of proof that this debt it in fact mine. If you can not provide me with that, this account needs to be deleted from my credit report. I have asked for validation in the past & After asking all accounts were transferred to another collector, except this one. The new collector could not provide validation and removed the items from my report. Im guessing you all cant provide validation either. Yes you say you will send it and send me a piece of paper that XXXX typed themselves.

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 2017-11-18
Company: Ocwen Financial Corporation
State: IN
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:
IN 2009 MY XXXX, XXXX AND XXXX MORTGAGE ACCOUNT WAS TRANSFERRED TO OCWEN LOAN SERVICING, DUE TO FACT XXXX XXXX XXXX WENT DEFAUNCT XXXX XXXX, XXXX. AS A RESULT OCWEN LOAN XXXX IS TILL REPORTING AS A DUPLICATE MORTGAGE ACCOUNT ON XXXX XXXX XXXX  AND THIS IS THE LAST TIME I AM ASKING, BUT WILL SUE FOR VIOLATION OF THE FCRA, TILA AND FINALLY VIOLATING THE : DODD-FRANK ACT 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
On XX/XX/2018, I attempted to sell my vehicle to a dealership. There is an existing payoff amount. The price offered exceeded the payoff amount. While the transaction was in progress, my payment to the lien holder was returned causing the payoff amount to the lien holder to change. The sale amount did not change just the difference in the amount out of the proceeds that would go to the lien holder vs. to me. 

When the dealership allegedly transmitted the payment, it allegedly was rejected because the payoff amount did not meet the threshold for the payoff. 

The dealer requested another payoff that reflected the settled account amount. 

The issue is that the lien holder/bank [ CAPITALONE AUTO FINANCE ] disclosed detailed/private account information that under their privacy policy would not have been permissible. The mis-used the information in my account/credit file. 

The lien holder disclosed to the dealer that a payment in the amount of {$960.00} was returned for non-sufficient funds. This provided the dealer with damaging information about the details of the account and I believe they are leveraging against me to my detriment. I was not seeking credit from the dealer, so there was no justifiable cause for them to mis-use the information in my account history. 

The standard practice, according to " DealerTrack '' is to provide the dealer with the following information : [ email attached ] -- -- -- -- -- - We did the final requote and verification for the following : Customer/Borrower : My Name VIN : Last XXXX Digits At the time of requote, the amount owed that was returned from the lender was not within the allowed threshold ( possibly due to payments, fees or other charges to the account that were not settled at the time of the initial quote ) and was refunded to your account. 

You will need to resubmit the transaction in order t receive the title. 

-- -- -- -- -- -- I believe that this disclosure violated my privacy protections under the Fair Credit Reporting Act and possibly other federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On or about XX/XX/2019, complainants wallet was stolen from XXXX XXXX Supermarket in XXXX XXXX, Fl. thieve immediately made several transactions on same day. Two transactions were made at XXXX pharmacy next door to XXXX for {$4.00} and {$25.00}. Two more were made at XXXX XXXX XXXX restaurant for {$15.00} and {$15.00}. Several other attempts were made but unsuccessful. Complainant did not realize card was missing until morn of XX/XX/XXXX, when police was called and card was canceled. Complainant submitted information to Direct Express Fraud Dept. in XX/XX/XXXXand again in XX/XX/XXXX. Complainant received letter from Direct Express stating that investigation showed that the theft did not accrue. Complainant called Direct Express to check status on XX/XX/2019, after sending written report which was not prepared until 2 months later. Complainant, after being placed on hold for over an hour on phone, was told by some alleged supervisor that monies were not protected by FDIC, and complainant had to absorb loss and move on. Supervisor was very disrespectful. I want my stolen funds back and compensation for lack of professionalism.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I wrote letters to XXXX, Transunion, XXXX  on the following dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning XXXX XXXX account & XXXX XXXX XXXX on my report that needed to be validated. I asked on all instances to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they had on file for the accounts listed. 



They did not remove the account after the 30 days however they removed XXXX from 1 bureau but then reinserted the account without providing any documentation validating the debt or any notification prior to reinsertion The XXXXXXXX XXXX XXXXXXXX account was updated to non charge off however no information was ever provided to validate. 

I have been XXXX for 10 of the past 15 years of my life and have had my identity used while being XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: NCB Management Services Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I mailed NCB Management Service Certified letters asking them to verify that this debt, they claim I owe belonged to me. I never once received verifiable proof from them with my signature on any type of documents nor any type of paperwork stating that I had any type of legal binding agreements with them pertaining to this debt they claim I owe. Therefore, they proceeded to violate the FCRA and damage my credit. 

Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I filed a recent complaint with Citicards regarding this exact issue. I have not been able to use my card ending in XXXX for over a month now. Citibank told the CFPB that the card was able to be used near the end of XXXX. That is a lie. 

When I log into my account at citibank.com, there is still a notice that displays immediately : " We apologize for any inconvenience, but to protect your account, further charges may be limited until you have contacted our Customer Service Department at XXXX ( TTY : XXXX ) '' When I attempted to use the card on XX/XX/18 it was DECLINED. Citibank has done NOTHING to resolve this 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 explanation
Consumer complaint received 2022-01-07
Company: Sequium Asset Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began receiving multiple credit alerts through my credit card company in XX/XX/XXXX. The alerts claim that I have an account with Sequium Asset Solution & received a major derogatory status. They claim that they have not received payments for a past-due account for 120 days or longer. These credit alerts have negatively impacted my XXXX XXXX even though these claims are completely false. My credit card company was able to tell me that the creditor was XXXX for a collection of {$570.00}. I have not had an account with Spectrum since XXXX and after reaching out to XXXX directly, they confirmed that my account was closed and there was no active account under my Social Security Number. They did not recognize any report to Sequium Asset Solution. I have attempted to contact Sequium directly many many times, with two different phone numbers, and have had no luck in reaching someone. I have also tried to reach them through their message portal on their website without any success. I have never had an account with Sequium as they claim and do not owe any outstanding bills to XXXX. Even if I did owe a debt, they have made it impossible to reach them. I have submitted a request to dispute these false claims through my credit card company and am hoping to delete this from my credit score which has been Excellent, a score over XXXX, for many years.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Westlake Services, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Westlake Financial Services regarding an old auto loan that I paid off back in XX/XX/XXXX. While reviewing my credit score, I noticed Westlake Financial Services noted the account was paid, charged off. I contacted them to correct this as well as the times they reported to the credit bureaus that my payments were not made and explained that those dates reported were payments made on time and I was allowed to make payment arrangements later in the loan 's life. I was told to file a dispute. 

I filed several disputes with XXXX ( both online and over the phone ) regarding both the charge off as well as disputing that the payments were late. I attached a payment history I received directly from Westlake Financial Services as well as a letter disputing the information reported. XXXX not only did not correct anything on my dispute, they also changed the charge off date from XX/XX/XXXX to XX/XX/XXXX. XXXX said the only thing I could do was keep filing disputes. 

I contacted Westlake Financial Services regarding the change. I was told that the reason the charge off date was changed was because I filed a dispute and that they wouldn't correct the information. 

I already have an open complaint against XXXX for failing to investigate this properly especially with them allowing Westlake Financial Services to change the charge off date by 5 years. I would like to file a complaint against Westlake Financial Services as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Zingo Cash Illinois LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Zingo Cash Illinois company opened XX/XX/2017 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am very frustrated with navient, I spoke with a rep about a year ago that informed me that what I owed is actually in the 60k range and that the over 90k I owe is 30k plus of accrued interest from forebearences I was consistantly encouraged to do and never warned that it could result in such tremendous compounding interest. I feel scammed and lost all interest in paying navient a single dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
some time on or about XXXX XXXX company by the name America express # account XXXX company gold card that XXXX a XXXX per year membership fee that was paid in XXXX on that statement for XX/XX/XXXX. the company have three account with American express never late or never missed payment. last year American express request a copy of the financial statement which they already request them back in XX/XX/XXXX. and the financial record was submit to America express.  America express after review those financial America express re -submit the account in 24 hour and re- open the account.. just because at the time the CPA have not prepare the Tax retune for the year XXXX. the representatives for America express stated that the reason for close the account and for the request for the statement was because my husband 97 % of the charge on the card. he is my husband and he run the company he make the money. I ask American express why they cancelled all of my account. with my income being XXXX and retire income is XXXX per year and we have more XXXX a total of home hold XXXX. with over XXXX XXXX in asset.. and they already have this information on file. they could never give a good reason but your husband charge 97 % of charge. but they just took XXXX membership fee from us on the statement the first of the year .and then turn one of my account over to a collection agency a company by the name of XXXX XXXX XXXX XXXX , why? for a XXXX bill that they cause not to be paid check the record never late never missed all paid my membership fee ever year. this is wrong on so many level. this harassment and discrimination, I believe this is a violation of one age just because I turn XXXX year old but I still work 82 hour a week just pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
disputed with the three credit bureaus and XXXX and XXXX  have yet to remove these items i do not have a account with them nor do i owe them anything. I have been disputing for months. I have listed the accounts below Identity Theft XXXX Account Number : XXXX balance : {$4300.00} Theft XXXX  Account Number : XXXX balance : {$8400.00} Theft XXXX  Account Number : XXXX balance : $ XXXX XXXX  Account Number : XXXX balance : {$4300.00} Theft XXXX Account Number : XXXX balance : {$1400.00} Theft XXXX Account Number : XXXX balance : $ XXXXTheft XXXX  Account Number :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/17, I noticed that was debit card was compromised. I immediately called Comerica and cancelled my card. The next day ( Monday ) I went to the bank to file a dispute. I was then told that if the dispute was approved I would receive my funds back within 10 businesses days. I also asked what am I to do seeing that all my money was compromised. They apologized and told me that I would have to wait. In the meantime the fees are rising. {$1400.00} was taken out of my account via ATM. XXXX ( Comerica ) starred to me, are you sure you did not give someone else your card? I also spoke with another customer there and he stated it happened to him as well. I feel Comerica knows about the breach and still does nothing. 

I 've received a call from XXXX with card services informing me that if I had applied for Comerica 's credit card I would have money available to me. She told me that she could not help and suggested that I wait on the dispute to be settled in 10 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-18
Company: EQUIFAX, 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:
On or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX someone with an intercepted copy of my California Driver License was able to pay cash at the Federal Bankruptcy Court Clerk window to file three skeleton chapter XXXX cases without ever listing a single creditor. As I was not aware of the filings I never completed the documentation necessary and each was Dismissed and Closed without any creditors even notified. I was having financial difficulties at the time and would have utilized the filings to fix my status but as they were not filed by me I was unaware. 

I disputed this information with the three major Credit Reporting Agencies who of course violated the FCRA by not validating my concerns with the original credit furnisher but rather a third party not involved with this dispute. I was then recently told by law enforcement to file an affidavit with the Federal Trade Commission as a victim of identity theft during this non sensible event. 

US Bankruptcy Court Sacramento case numbers XXXX, XXXX and XXXX are all completely bogus. No dollar amounts, nobody benefitted and only I have been harmed. I also had a direct conversation with the Clerk of the Court who stated he has never had a Credit Reporting Agency call to validate a case and that his court would never do that with a third party either. Please contact XXXX XXXX at XXXX as the Clerk to verify this info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
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:
On or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX someone with an intercepted copy of my California  Driver License was able to pay cash at the Federal Bankruptcy Court Clerk window to file three skeleton chapter XXXX cases without ever listing a single creditor. As I was not aware of the filings I never completed the documentation necessary and each was Dismissed and Closed without any creditors even notified. I was having financial difficulties at the time and would have utilized the filings to fix my status but as they were not filed by me I was unaware. 

I disputed this information with the three major Credit Reporting Agencies who of course violated the FCRA by not validating my concerns with the original credit furnisher but rather a third party not involved with this dispute. I was then recently told by law enforcement to file an affidavit with the Federal Trade Commission as a victim of identity theft during this non sensible event. 

XXXX XXXX XXXX XXXX case numbers XXXX, XXXX and XXXX are all completely bogus. No dollar amounts, nobody benefitted and only I have been harmed. I also had a direct conversation with the Clerk of the Court who stated he has never had a Credit Reporting Agency call to validate a case and that his court would never do that with a third party either. Please contact XXXX XXXX at XXXX as the Clerk to verify this info.

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