BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-04
Company: Receivable Solutions, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Receivable Solutions XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Account # XXXX I dispute the {$220.00} that has been turned over to you for collection from XXXX Hospital XXXX and all past bills turned in to you for collection. I have been consistently been harassed by phone calls and rude unreasonable people regarding this matter. 


Your letter dated XX/XX/XXXX does not indicate what these charges are for by item. I have no record of any rejection by my health insurance company, ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX ). 

Please provide me with the following documents : 1. Proof of submission to my health insurance company. 

2. Proof of my health insurance denial of coverage of this and all past items submitted to you for collection from XXXX Hospital XXXX. 

3. Itemized explanations of all claimed past and current bills turned in to you for collection. 





Thank you, XXXX XXXX XXXX The above is a copy of a certified letter sent to Receivable Solutions. They have not responded with any of the information I have requested. The protest and request were made within the legally allowed time to avoid having this placed into collection. They did not provide the information as legally required and placed this into collection which I have been informed is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: CO
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 XX/XX/2021 I have sent in my Identity Theft Report to XXXX, Equifax, and XXXX  to inform them of items that need to be removed and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: EQUIFAX, INC.
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:
XXXX XXXX  listed a debt collection on my report for an amount of {$3200.00} for a wireless phone bill. On XX/XX/XXXX, I wrote them informing them that this is a fraudulent account that I am unaware of reporting on my file. They sent back a itemized bill which is not giving me no information on this account. So I wrote another letter on XX/XX/XXXX requesting a debt validation letter for this bill which they say I owe. It was noted that they received my certified letter on XX/XX/XXXX.They sent back another itemized bill which is NOT validating that debt. They could not produce a validation bearing my signature. So I wrote them again on XX/XX/XXXX informing them Per the Federal laws, its my right to validate any debt from collection agency. I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. So on XX/XX/XXXX I wrote to the 3 credit reporting agencies informing them that this company has not been able to produce to me any documents bearing my signature. And on XX/XX/XXXX the 3 credit bureaus has informed me that this account was verified and updated on my account. With no proof of my signature to prove I owed this debt. I request a full removal of this debt associated with any of the credit reporting agencies ASAP.

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

Complaint:
Each credit bureaus are showing different Status. I am on Social Security XXXX. There is a federal loan and student loan Showing past due and diligent payments. I went through the process to go through XXXX discharge process. I went through XXXX. I had a doctor fill out the documents and state I am XXXX. On XX/XX/17 it was approved. On my credit report it shows Dept of education has no late days and was brought to current. But the Federal loan is still showing as late and in Delinquent status. This is hurting my credit score. They should all be the same on all reports and they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: NV
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 contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2018-05-05
Company: ID Analytics, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have attempted to place a freeze with XXXX XXXX I have sent them a copy of my ssn card and state id. I have explained to them I do not have any bills no cell phone bills or anything. Please freeze my records. My complaint as a consumer they are saying I must have bills to verify my address my phone is prepaid. Not only that I have called everyday and left messages and they have it called me back. Why cant I get a person on the phone. And why are they requiring only to help if I have a bill. This is violating my rights and becoming harassing. I have sent fax submissions as well. And my home telephone number is XXXX and I can be contacted by cell XXXX which is not paid by myself so there is no Bill for me. XXXX XXXX  never return my voice messages and never can be reached directly you get a voicemail

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 2021-01-07
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: Account information incorrect

Complaint:
Monday XX/XX/2020 and XX/XX/XXXX and XXXX I have sent letters to the 3 credit reporting agencys informing them that information is reporting incorrect. Each time I tell them that the information is reporting inaccurate, they turn around and state that they where able to verify the account belongs to me. Im not challenging wheather or not the account belongs to me, Im challenging the inaccurate information they are reportinng which is againts the Fair Credit Reporting Act. 

XXXX  XXXX XXXX has never been late XXXX XXXX contains several inaccuracies. 
XXXX  XXXX XXXX XXXX also contains several inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son needed his XXXX XXXX XXXX. Our regular XXXX had sent us to XXXX   under the impression ( after XXXX had marketed to them that he was in-network with XXXX ) that XXXX  would be less expensive for us since he was a preferred provider with XXXX.

XXXX office lady told me they were preferred providers of my insurance and in-network. Per XXXX office policy I paid in full prior to XXXX XXXX, the amount I paid ( {$580.00} ) was the amount the office lady told me was my share after insurance, everything went well with the doctor. Then a year later, office lady calls me telling me they arent contracted with XXXX and that shes re-calculated and I now owe more! This is just bad business practice. Imagine giving your own client a quote on a service, providing the service, then later contacting them and demanding more money.

When Capital Accounts contacted me I sent them multiple letters and emails showing my receipt that I paid my account in full before services were rendered. I disputed the debt in writing and they still put it on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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: Credit inquiries on your report that you don't recognize

Complaint:
This is not mine. XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX, XXXX, VA XXXX. ( 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 explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I corresponded with these companies over 30 days ago and asked them to investigate disputed accounts and provide proof with my signature or their method of validating these accounts and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020, I closed on the refinancing of my house with PennyMac Loan Service, LLC. On the closing disclosure signed that day, I was due to receive {$630.00} and the payment would be disbursed on XX/XX/2020. I was informed several days after closing that I owed money. Then was told a day later that I didn't owe money -- that they had been in error -- and that I would receive a lender credit of {$630.00} and the payment would now be disbursed on XX/XX/2020. 

On XX/XX/2020, a post-closing disclosure was sent, and it had me only receiving {$0.00} cents. This disclosure was never agreed to or signed by me. The payoff was sent that day to my current provider PennyMac Loan Services ( yes, same company -- they are were the current servicer of my loan ). When called Penny Mac to find out what happened, I was told by XXXX XXXX ( my loan specialist )  that again an error was made on their part and that I would be issued a lender credit of {$630.00}. 

For several weeks now, since XX/XX/2020 ), I have spoken with Ms. XXXX and emailed her 14 times since XX/XX/XXXX and this has still not been resolved -- the title company never sent me a check. 

Today ( XX/XX/2020 ), she told me to call the title company ( XXXX XXXX XXXX XXXX ) and I did. They said that they did not receive the {$630.00} and that they only sent a check for what was listed on the post closing disclosure ( never agreed to or signed by me ). She ( Penny Mac ) knows full well that the money was not sent and once again she is not responding to me asking why that money was not sent. I could go on and on about my troubles getting in touch with them, having them respond to me and never giving me a straight answer. 

Separately, I never signed a document or verbally agreed to permit with PennyMac Loan Services the escrow account of on my previous loan ( {$3200.00} ) to be used to pay off that loan. However, without my knowledge or approval PennyMac Loan Services went ahead and used this money to pay off the balance on the loan. I spent several hours on the phone with the refinance side and the service side only to be told there was nothing I could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
There is no ongoing litigation between bofa and myself.I have been trying to get an extension on my covid 19 forbearance for over a month. It expires XX/XX/2021. Per the cares act, I can request an additional 6 months within three months of my first forbearance ending date. The bofa customer service representatives refuse to speak to me because they say I have a litigation flag on my account. I am not involved in any litigation with Bank of America and I also dont have any legal representation around my bofa mortgage. I have now sent two faxes to the number they told explaining as much. Nothing is being updated on 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 non-monetary relief
Consumer complaint received 2020-05-12
Company: JPMORGAN CHASE & CO.
State: TX
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 had a Chase Southwest Rapid Rewards Visa Credit Card issued through Chase. I tried to work this situation out with Chase but got no resolution. I was charged the annual fee of {$69.00} before it was due. They are supposed to credit me back my {$69.00} as I cancelled the card today before the deadline of XX/XX/2020. They acknowledge that I cancelled in a timely manner and that they owe me the {$69.00}. I have a {$47.00} balance on the card that is due in XXXX of 2020. Chase owes me more money back than I owe them. Chase expects me to timely pay my Chase Credit Card for the {$47.00} balance or Chase will go after my credit. I was told by a representative of Chase that I will have to wait six months to automatically get my {$69.00} back. Also, they put the burden on me, the consumer, to keep calling them back if I want my money any sooner than six months but Chase does not say when I should call back.. However, it did not take Chase six months to charge my Credit Card the {$69.00}. I do not understand why it takes Chase six months to give me my {$69.00} back. It is not being returned to me, the consumer, in a timely manner after I cancelled the card. Also, it is not the {$69.00} amount owed it is the principal and fairness of the matter. I am sure Chase does this to every consumer who cancels their card because of they have decided they do not want to keep the card and incur the $ XXXX  yearly fee. I believe Chase does this so they can keep money that is not theirs, for an unreasonable and extraordinary period of time, so they make interest off of each of the {$69.00} amounts. That is a lot of money when you add up all the consumers Chase does this to. 

I know Chase has the physical ability to credit an account immediately. When you call a credit card company and want to dispute a charge they automatically credit the account for the amount disputed. This credit is on the account until the dispute is resolved one way or the other with the merchant. When the merchant making the charge/fee to the account is Chase it leaves the consumer, in this case me, with no recourse except to file a complaint with a Federal Agency. 

Chase requires their consumers to timely pay their credit card bill or be charged fees and interest. However, when Chase owes a consumer money, the {$69.00} in this case, Chase keeps and uses that {$69.00} without the consumer 's permission. Chase then takes six months to pay the {$69.00} back. I believe this is an outrageous amount of time to return the {$69.00} to each of those consumers. Chase is also charged no fees and no interest for keeping and using this {$69.00} that is not theirs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-15
Company: Yamaha Motor Finance Corporation USA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed a Yamaha waverunner through the dealership. The loan was through Yamaha finance. I paid the loan in full on XX/XX/2020. They confirmed receipt of payment and the loan was satisfied. I subsequently sold the waverunner and asked for the title. They stated they would not send it for a minimum of 30 days. They have no reason to do this and there is nothing in the finance documents stating they would do this. This is unacceptable. I made good on my loan and they need to release the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Ive ran my business through PayPal for over 6 years through the email XXXX. They wrongfully closed my account for what they claimed was violating their acceptable use policy. 

They said they would hold my money for 6 months and then give it back to me. At the end of XXXX I logged in and saw all the money was illegally taken. 

In addition, there are over 20+ websites that run the exact same business as me still using PayPal . The bottom line is they illegally stole my money and I wish to purse this in court if it is not return. 

{$40000.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: M&T BANK CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Bank to Bank Transfers Access Suspended

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 2018-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Tonight I looked a my credit card balance that I knew was to high. It is my XXXX  with Capital One ending in XXXX. On XX/XX/2018 I purchased an an alarm system with XXXX, however, it was not a good fit so I canceled the account. I had already paid my Capital One card and had a XXXX balance, so when XXXX refunded me it showed on my card as a XXXX  credit. I contacted the card company and they issued me a refund check. They show on my XX/XX/XXXX statement billing cycle shows as XX/XX/XXXX - XX/XX/XXXX that I was credited back from XXXX  on XX/XX/XXXX and then they turn around and charge me the same amount that reads credit balance refund of XX/XX/XXXX, I called the company and got a representative that attempted to explain something that is unexplainable. I told the associated I made the purchase in XX/XX/XXXX I received my refund check because at the time I had a XXXX  balance with Capital One, how is it possible that you all then placed back on the account as a charge. She could not make nonsense make sense so I asked to speak with a supervisor. The rep that got on the line was XXXX. He attempted to do the same thing, I told XXXX if he looked at my history he would see that there was a charge in XX/XX/XXXX, I had a XXXX balance and they sent me a refund check on XX/XX/XXXX but on XX/XX/XXXX I show they put it back on my card as a charge although I had paid the card off and that is why a credit balance was sitting on my account in the first place. XXXX kept attempt to explain it away as well as though it was right but it is not. I asked to speak with his superior he stated there was no one over him. I told him everyone has a superior unless they are the owner of the company and he stated there was no one over him. I did inform him I would be reporting them to the Federal Trade Commision and the XXXX. He refused to give me the corporate number stating it was the same customer service number I had phoned, he refused to give me the address that I could send a letter of complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed on my credit report a ding from XXXXTrue Accord. I reached out to XXXX to pay the balance but they wouldn't accept my payment. They then told me to contact True Accord and no one would accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have submitted various complaints about a bankruptcy that is appearing on my credit report. I have asked for an investigation and it comes back verified! How is my bankruptcy being verified with XXXX XXXX when my XXXX XXXX is frozen and suppressed? This information is inaccurate and misleading. According to the FCRA there is no public records and I have a letter from the bankruptcy court stating they do not verify with the bureaus. It is a violation of my consumer rights to have my private information reporting without my written consent.

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