BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2014 {$2500.00} I have no knowledge of this 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 2022-03-31
Company: Consumer Adjustment Company Incorporated
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:
XXXX XXXX I signed up for a membership to XXXX XXXX  for {$42.00} a month. The next day I tried to contact them to cancel my membership due to the fact that visits were extremely limited and reservations were required for limited time blocks due to the pandemic. This was not explained when I signed up. I tried calling several times leaving voicemails with my information and the reason I was calling. I did not receive a call back or any response. I called the corporate office to see if maybe they could do anything but I was told I needed to go through guest relations. So I emailed them and finally received a response back on XX/XX/XXXX, with a case number XXXX. I waited a week to hear back from them but no one contacted me. I emailed them a couple more times and finally received another email from them with a different case number XXXX. Again I waited for a response. By this time my credit card was charged once again for a service I wasnt using. I emailed them again on XX/XX/XXXX and informed them payments would be stopped since XXXX XXXX received a response from them. Still no response. XX/XX/XXXX XXXX received an email from XXXX XXXX  requesting I contact them about payment to my account, HOW!! The next email I received was XX/XX/XXXX, asking me to contact guest relations because they needed my help to update payment information. I attempted to call WITH NO response. Then on XX/XX/XXXX, I received a letter from CACi stating my account had been turned over to them for collections. I emailed them to dispute the validity of the collection XXXX. No response from them as well. I called CACi and spoke with a representative and explained the situation to him. He said they received my email and sent an email to me but it was an incorrect email. How is that possible when I emailed them from my email address?? So he updated my email and told me they would get back with me. I never received an email, phone call or letter in the mail from them with a response. Then XX/XX/2022, I noticed a new collection on my credit reports from Consumer Adjustment for the amount of {$610.00}. 
WHAT!! How is this even legal. And where did they come up with that sum?? Now I have been back and forth with all three credit bureaus for the past XXXX months disputing this collection. I have submitted documents and called the credit bureaus without resolve. Please help me to resolve this matter and remove this collection from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Capital One credit card and when my bill is do on the date the interest is included in the payment and is paid with a additional payment that is the be applied to my balance to reduce my principal balance. Instead the princial balance is being taken and its like identity theft and my available credit disapears which the interest is being double charge on my account and the available credit is being stolen from my account on the next day after the payment has been applied. 

I have contacted the creditor to inform them the payment for the monthly is not being applied towards principal to allow my to used my available credit and asked them to change the bill due date. 

Never happen and my payments are not being credited to reduce principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i paid this medical bill directly to XXXX XXXX. attached is my payment confirmation. XXXX XXXX has a horrible accounting system.

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 2022-03-31
Company: Central States Recovery, Inc.
State: KS
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 Central States Recovery reported a medical debt which they claim I owe to my credit report. This is for XXXX dollars. They never tried to contact me, and all of my contact information from the original account is still the same and or has been updated as such. They also reported incorrect dates and other information so that they can avoid the No Surprises Act and violate my rights under such law. The account they are claiming I owe is from a car accident which I wasnt at fault, and it is still in litigation. My attorney- XXXX XXXX XXXX XXXX reached out to them unsuccessfully and is trying daily. This shouldve never ever been reported to my credit. They have violated multiple rights - No Surprises Act violation, they furnished inaccurate information to the consumer credit agencies, and they never even contacted me first - to allow me the opportunity to inform them this matter is still in litigation I do have an attorney - XXXX XXXX, and regardless to settle the matter I wouldve paid right then. Instead, they chose to destroy my credit instead of any due diligence or contact. If they say we had incorrect contact information my info hasnt changed in 3 years and this happened less than a year ago, and XXXX, XXXX, and XXXX all have my correct information updated so they clearly didnt try to do any diligent research before just parking this on my debt. I believe this was done because the main XXXX credit reporting agencies mentioned above issued a statement recently that beginning in XXXX, they will no longer list medical debts under {$500.00} and this was an attempt to do a mass collection or provoke as many payments as possible while they still have the opportunity and in doing so they completely violated many of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Plato, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
This company offered a service that they did not deliver. I filed a complaint with the XXXX  and received a refund from Simplio Labs. I am attaching all complaint I made against this company. I provided my updated credit report in which the type of business of this company is not listed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-31
Company: Oliver Adjustment Co.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent OLIVER ADJUSTMENT COMPANY a letter to validate the debt I supposedly owed them. They received it certified mail with return receipt on XX/XX/2022. I asked proof that the statue of limitations hasn't expired and how they calculated the interest and fees, proof they own this debt and original documents bearing my signature On XX/XX/2022 I received a letter from Oliver Adjustment Company and the information they sent over was unresponsive to my original demands. Not only that, they violated XXXX by sending over my procedures, diagnosis codes and a lot of other XXXXrotected Health Information. I NEVER requested. I never signed a XXXX form requesting them to access and send over my medical history. They even send me extra balances on other PHI on procedures that not even being reported on my credit report. I sent a violation of XXXX letter and it was signed for and received on XXXXThey have violated my rights. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had store accounts with XXXX  and XXXX. At some point these companies started using XXXX XXXX  for to process credit purchases. I check my accounts online frequently and have never seen any unfamiliar activity. 

Synchrony sends emails each month notifying me of the payment due date and provides a link to view my bill and make a payment. I had NEVER been late with a payment and always paid in fulluntil XX/XX/2017. I wanted to pay early because I was moving. However, Synchrony would not allow me to log into either account so I could see the bills/balances and make a payment. Since I was moving at the time, I had no internet service for approximately two weeks. 

Apparently they have been charging me late fees since they will havent been allowing me to log in! Yesterday I called to get answers. First I sat through nearly 5 minutes of recorded messages and push this for that recordings. When I finally got to a live person I was transferred FOUR ( 4 ) times, sitting on hold between each transfer. At one point, I asked for a paper statement to be mailed to me and they refused. Each time my identity was verified, but I never received answers to my questions. Frustrated, I finally hung up. 

I called back and paid off the XXXX XXXX card for the amount they said I owe. I have no idea if that was the correct amount. Today I will do the same with the XXXX card, again having no idea if the bill is correct or not. 

At this point, I would like Synchrony to just close every account that I may have with them. My credit score is and always has been excellent and I do not want to jeopardize that with their lousy customer service practices. Ill stick to XXXX or XXXX for my credit needs.

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 2017-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX EXTRAS XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX EXTRAS XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX : Unverified 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 2022-03-31
Company: Navient Solutions, LLC.
State: CO
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:
Navient called me approx. 2 weeks ago stating my payment was 32 days past due and going to collection. I asked why since payments had been extended until May. She stated my loans are not federal loans. I said yes they are. I also have a letter from fed loan servincing stating that my FEDERAL loans are being transferred to XXXXXXXX for repayment. 

They have no reported me to credit bureau. I have all documentation. And their recorded call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
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:
I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX - XXXX : I never paid late PREFERRED CUST JEWL - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX BXXXX XXXX XXXX XXXXXXXX : Unverified 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 2017-10-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have now spoken with three/four ( but the second woman hung up on me after she said her scripted info ... it was strange ) people at American Express. Each of them told me completely different information. The card was activated in XXXX, but she could n't say anymore. Then she told me There was no manager they were " on a call '' and I told her I 'd wait, and the VP was never in a meeting,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Monday XXXX XXXX, I was hired for a XXXX XXXX XXXX position, I went through the whole interview process, I signed contact, and everything seemed legit. The next day the sent me a check that I deposited for {$1600.00} I was told this would be the money used for my equipment and software that would be used for the position. The following day they sent me another check for {$1500.00} also deposited the check and put ached XXXX {$500.00} gift cards from XXXX because they told me this would be used for the equipment as well. I asked why they sent 2 checks and they stated that my deposit limit for my bank is XXXX $ so they had to split up the checks and at the time it all made sense to me. So I purchased the equipment and sent a total of {$3100.00} to the company and once PNC recognize those checks were fake and fraudulent they took XXXX $ leaving my account negative. I am now in a terrible position not knowing how Im going to pay for any of my expenses including my daughter. This is a nightmare and I dont know what to do. PNC denied both of my disputes. I filed a police report, sent them all the information I had of the scammers exc. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Stallings Financial Group, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was NEVER notified of debt!! According to credit report debt is {$220.00}. Stallingsfinancial never notified me ... never received any correspondence of debt. Stallingsfinancial has now posted debt on my credit report files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
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: Information belongs to someone else

Complaint:
XXXX is the bane of my existence! I have been dealing with them and these issues for over 3 years! They lie through their teeth about actually taking care of anything. I have been the victim of identity theft about 3-4 times so there is all kindf variations on my name. Bills, addresses, and phone numbers of states I never been to like FLORIDA! I was told I needed to reestablish credit. I tried, and due to their incompetence, I was turned down. Also medical bills are on my account that the hospital never reported to my insurance company due to the fact they illegally held me against my will. I called my insurance company and they had no idea that I was admitted to a hospital in Ohio which abused me, and tried label me XXXX XXXX to protect themselves and retaliation. Medical doctor laughed in my face, and bragged they were teaching me a lesson for reporting their illegal practices to the federal government. I confronted the hospital, and they claim there are no records of me that exist in their databases. XXXX is not doing their job. I plan on suing them if I have to for damages because of all the hassle, and frustration this has caused. Enough is enough!

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 2022-03-31
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company failed properly calculate the value of my property taxes. 

The mortgage company failed to put enough escrow aside. So they ended up making a lump sum payment which also includes fees. Therefore I crease my monthly payment by {$700.00} This is outrageous. 
Increasing someone monthly payment due to the failure of properly assessing my escrow account t is not my fault. 

I can not afford an I create mortgage of this amount. 

I have been making monthly payments each month. On time since having this mortgage. Now with the Iincrease of {$690.00} due to them having to pay property taxes owed .. because they failed to assist the taxes and they paid late. Is not fair. 

My mortgage monthly escrow before was {$410.00}. 
Which was due to {$1000.00} in insurance and {$3900.00} in my homes annual taxes. Making mortgage {$2600.00} My monthly escrow should be now {$470.00} max ( since I change my insurance ( {$1700.00} for Insurance and {$3900.00} in taxes ) Instead of my mortgage monthly escrow being XXXX the mortgage company says my monthly escrow is {$690.00}. This is not accurate. And also not fair to even charge me late fees and interest due to them failing to pay the county ontime. 

Please help me get resolved as this is outrageous and not fair to increase ones mortgage for no fault of my own. 

*** fair solution is to have my monthly mortgage be accurate. To reflect escrow of XXXX ( based on {$3900.00} of annual taxes and {$1700.00} for insurance ) which mortgage should be instead of {$2600.00}. Should be {$2700.00} as the ONLY thing I changed was my insurance. Property taxes has always been the same to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were XXXX in bankruptcy and the others transferred to XXXX. I spoke with someone XXXX/XXXX/XXXX about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint because In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXXaccount # XXXX & XXXX XXXX  account # 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