BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-27
Company: Phoenix Health Care Management Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a mamogram at XXXX XXXX on XX/XX/XXXX ; albeit, I had insurance at the time, they refused to cover the expense. I didn't have the full amount to cover the debt and eventually, Northside transferred the debt to an outside collection agency ( HSI Financial Services LLC, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX GA XXXX ) XXXX  sent me an offer to settle the debt for {$170.00} since I had faithfully made payments toward the {$750.00} debt. I opted to accept the settlement and paid the amount, as directed by the collection agency to ( HSI ) on XX/XX/XXXX. Once paid, {$190.00} was to be written off. I requested a Settled in Full letter and I was told it would be sent. I communicated with XXXX XXXX and her supervisor XXXX and XXXX. I saved all the email communications in case you need to verify. 

Fast forward almost a year later, XX/XX/XXXX. I received a Debt Notification from XXXX, XXXX XXXX XXXX, XXXX GA, XXXX. The letter stated I owed a debt to XXXX XXXX in the amount of {$170.00} for services received on XX/XX/XXXX. I spoke with XXXX XXXX, made her aware the debt had been paid. on XX/XX/XXXX, I received another notice from HSI stating I now owe them {$190.00}! This is illegal! I am FURIOUS and refuse to deal with this exploitation any longer. Who has the time to fight these battles? Obviously, HSI kept the settlement money, didn't report the payment to XXXX XXXX, and thus, XXXX XXXX assigned the debt to a new agency ; ( XXXX ). This is bad business and total harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, Transunion, XXXX   XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.The XXXX account just sent me a letter stating they would remove these accounts its been 30 days and they are still here. The medical said it wasn't there debt so I want it gone too. I attached both letter as proof. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. {$180.00} 2.Cell Phone Bill XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} {$340.00} XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} {$480.00} 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. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX 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 2021-02-08
Company: CADENCE BANCORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made an electronic payment, the company never received it, found that out 5 weeks after the payment was made. So, a stop payment was issued, I was charged {$35.00} for that process, Cadence Bank said the funds, {$1700.00}, are being put back in my account on XX/XX/2021. As of XX/XX/2021, the funds have not been returned. When I call the bank, they tell that they are working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past 3yrs have been contacted several times daily by portfolio recovery for debt of someone else with same name. Notified them of this and that this person may have lived in XXXX XXXX XXXX, FL and may now be deceased. Said person 's accounts were handled by someone other than herself. I am in no way related to this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I sent written instructions to Barclays Bank to close my savings account ending XXXX. The terms of the account say that I can close it at any time. Rather than closing the account, they have blocked me from sending correspondence. Note that the terms of the account do not require that I call them and I refuse to do so because ( 1 ) there is no written legal record of the closure request if it is made orally and ( 2 ) this is a blatant attempt to make it difficult to close accounts in the hopes that consumers simply keep them open.

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 2020-11-16
Company: DISCOVER BANK
State: TX
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:
I've sent in letters dispute letters, to have unverified items taking off my report. I've contacted all the creditors and they where not able to verify the accounts. I've contacted the credit bureaus and nothing has been deleted. I have one DISCOVER FIN SVCS LLC with the amount of {$230.00} on my XXXX  report which hasn't been verified after I sent them a letter to verify my debt. On my XXXX  Report, XXXX XXXX XXXX, XXXX with the amount of {$240.00} was not verified and I need it deleted. On my XXXX  report XXXX XXXX XXXX  with the amount of {$1000.00} is unverified and should be removed since they didn't send the correct information to verify the debt, I was sent a letter with no signature saying that I signed for the debt and the amount was {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 the victim of Identity theft due to several security breeches since XXXX there are now multiple companies including : XXXX XXXX XXXX XXXX Capital One Bank XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies are report information not belonging to me I have reported this to my local authorities as well as the FTC. I have filed multiple disputes with all three credit reporting agencies. This is causing a social and financial strain on my life

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Westlake Services, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing as a requisite to validate the information regarding specific items in my credit report in line with the FCRAs section 609. You are required by federal law to verify any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I would like to confirm that these loan issuers obtained my information according to the law by requesting that they avail the sources of information to me. 
This set of information should include the identity of the person who made the request, my original contract and agreement and any other supporting documentation. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts That said, if youre unable to verify this information, please delete the items from my credit report since their accuracy can not be validated.

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 2018-02-17
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
I have always had an excellent relationship with XXXX and since Navient contacted me about my XXXX Loans in XX/XX/XXXX my health has deteriorated and I landed in the hospital and placed on XXXX XXXX due to their stressful approach and threats to myself and cosigners. I am on a Navient payment plan, and my payment date was scheduled after the credit reporting date of the company, and my student loans were reported as sixty days late in XX/XX/XXXX. Prior to this I called several times and spoke with customer service agents on a recorded line, who assured me on dates and my scheduled payments to remain current. I specifically asked " what date you recommend according to Navient 's reporting date, that I should pay ''. I have always been in contact with them in regards to remaining current. I further contacted management to investigate and confirm it and they said they don't know why my payments were scheduled after their credit reporting date, and there is nothing they can do. Now my credit report shows that I was 60 days late impacting my ability to receive credit, having lower interest payments and my standard of living has diminished. This information has been reported to my XXXX report. Is it the goal of Navient to scare, threaten or place students into a destitute situation? I have always strived to be a good citizen and pay my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I've sent in letters dispute letters, to have unverified items taking off my report. I've contacted all the creditors and they where not able to verify the accounts. I've contacted the credit bureaus and nothing has been deleted. I have one XXXX XXXX XXXX XXXX with the amount of {$230.00} on my XXXX  report which hasn't been verified after I sent them a letter to verify my debt. On my XXXX  Report, XXXX XXXX XXXX, XXXX with the amount of {$240.00} was not verified and I need it deleted. On my TransUnion report XXXX XXXXXXXX XXXX with the amount of {$1000.00} is unverified and should be removed since they didn't send the correct information to verify the debt, I was sent a letter with no signature saying that I signed for the debt and the amount was {$1000.00}.

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 2020-08-27
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received a letter from SLS on XX/XX/2020, copy attached. I have made every payment on time and have proof but they won't accept the proof & keep asking for resubmission. They know there are no front and back of checks because they process electronically. They claim we are in default and want to foreclose. To add insult to injury, now on page 2, they claim I was late in paying XXXX XXXX, the company that transferred the mortgages to them. THIS IS UNTRUE! I am attaching copies of the XXXX XXXX XXXX reporting that I obtained this morning from XXXX, and XXXX XXXX for XXXX   and XXXX. Please let me know who I contact to have their license to do business in the State of Florida.

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 2018-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates lead me to believe that if I paid two separate accounts that they would remove them from the credit reporting agencies. They have not removed them and they have also been improperly reporting them to the credit agencies. They are still listing them as in an open and unpaid status. They have been paid back in the summer of XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Wells Fargo has terminated our credit card merchant services because of an error they made. The error involved Wells Fargo divulging information to an unknown party over the phone. Wells Fargo assumed the caller was from our company but failed to ask for a verbal password. This resulted in the unknown caller being able to hack into our accounts and apply fraudulent charges. These charges amounted to over XXXX XXXX XXXX dollars. As a result, Wells Fargo terminated our merchant services and we are unable to process credits cards which is a mainstay of our business. This began last XX/XX/2020 and Wells Fargo has yet to rectify and reactivate our credit card merchant services. We have been working with them since this began and they are being of no help what's so ever. The biggest problem is they have placed us on the TMF list and we can not obtain services from anyone. The active complaint number is XXXX. They are now stonewalling us and will not even return a phone call.

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 2018-02-17
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I had tried and order these few pair of replica shoes from a XXXX website and from the time I sent the payment thangs where heckled I Attached a few emails that was from western union also from the receiver

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a complaint to this company on XX/XX/XXXX with an extremely in-depth case and proof as to why this debt should be removed immediately from previous medical reasons. 

The company responded on XX/XX/XXXX and said " We have closed this account and ordered a deletion from all the credit bureaus to which we provide credit information. '' I expected the company to honor this, however after re-reviewing my credit report today it looks like the company has still reported this as of XX/XX/XXXX on my XXXX Credit Report. I would like to have this removed immediately as they've already stated they would do so. 

Thank you for your help. Please see the attached image.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original creditor was XXXX XXXX XXXX  and I closed the account. I started paying the account off through XXXX XXXX XXXX  and every time I called to make a payment they kept trying to reopen the account and they kept charging me more money. So I stopped paying them. Earlier this year I checked my credit report and saw that I owed XXXX to XXXX XXXX XXXX  and I disputed it with the credit bureau and was informed it was taken off my credit report but it was not taken off. I contacted LVNV and was sent to Resurgent Capital Services and they sent me a copy of a payment I made to XXXX XXXX XXXX and in the correspondence stated that if I disputed the validity to contact them within thirty days in writing. On XX/XX/2020 I sent a letter to Resurgent Capital Services disputing the validity of this debt within the 30 day time period allowed and have not received any communications from them. Today, XX/XX/2020, I called Resurgent Capital Services and was informed that they never received my letter. I did my due diligence and Resurgent Capital Services has not done their part. XXXX XXXX XXXX  is still contacting me to reopen my account with them. This account has gone through 3 different collection agencies and I have had phone calls from 2 collection agencies at the same time about this account. I want to settle the account and get this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1300.00}, {$18000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX  and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my 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 2020-06-04
Company: Navient Solutions, LLC.
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:
Navient, doubled my payments from XXXX to XXXX per month with out authorization. They have said I am on a graduated re payment program. I simply asked for the documentation 4 different times and they will not provide my signature on any document proving I agreed. I had been making XXXX payments and in XX/XX/XXXX they double it to XXXX per month. I disputed this and they lie saying I agreed to it. I have not so while I am making XXXX payments each month they were reporting me to the credit bureau for four months trashing my credit score from XXXX down to XXXX and I can not get a loan at all now. Navient will not correct this issue even thought I have requested it in writing. 
Navient is a fraud and abusive company. I have a parent plus loan I took out in XXXX for XXXX. Navient says I have paid them XXXX. I have paid more than this and they do not report it correctly and say I still owe them XXXX??? Can someone please help me with this elder abusive company. I am a senior and can not afford this and they have fraudantely ruined my credit. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They keep calling early morning and late at night ... using foul language telling me and wife that we are going to jail if we don't pay them ... but I don't owe them anything I keep asking for proof that I owe them they keep sending me old statements that's not theirs ... when I asked them about it they say they brought the account so now I owe them and they will put me in jail.

Company response to consumer: Closed with explanation