BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-16
Company: Sa-Vit Enterprises, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Current Balance is being challenged as the XXXX is trying to collect more than the amount owed. We have been back and forth several times in an effort to resolve the true amount. The billing office of the XXXX do not keep proper records and seems to be very confused on what the total amount owed, since they have been collecting from 2 insurance companies and I have been personally making payments which were not properly recorded. Also the total amount quoted for my son 's XXXX was {$2000.00} with 9 months given as the timeframe to complete the procedure. The timeframe was extended to 3 years and the price kept increasing. The only reason, I was able to get the XXXX off my son 's XXXX  was because we were relocating out of state and then they held my XXXX XXXX and would not allow him to leave until I paid {$500.00} over the phone. 

SAVIT Collection agency is demanding that pay another {$470.00}. On XX/XX/XXXX I received an email with my receipt which had a balance due of {$470.00}. On XX/XX/XXXX I paid another {$400.00} via check # XXXX, however, SAVIT is demanding {$470.00} and is refusing to acknowledge that I paid {$400.00} on XX/XX/XXXX while I'm disputing the balance of {$75.00}. 

On XX/XX/XXXX I attempted to resolve the issue with the XXXX XXXX through XXXX  XXXX XXXX but SAVIT again has refused to remove the incorrect data from my credit file and is demanding that I pay an additional {$470.00}.

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 2020-07-09
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disconnected my internet service with XXXX XXXX in XXXX. I was informed at the time by representative that because I was using my own equipment ( modem ) that I would owe the final months fees for services and there would be no further charges on the account. I had been using my own cable modem for several years. The company 's equipment had been returned over three years ago. The company has been trying to collect an amount of {$100.00} for equipment that was not being used. I call the company repeatedly, and each time, the customer service representative verifies that that they see I was using my equipment at the time the account was closed and that there should not be any amount due, however, BECAUSE, my account is now closed, they are unable to update the account balance. 

Sunrise Credit Services is now trying to collect the debt as a third party. I informed them over the phone the debt is not a valid debt, that I do not owe the money as I was using my own equipment, and they are not to make any further attempts to collect the debt that I do not owe.

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: Experian Information Solutions Inc.
State: WI
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:
I am disputing erroneous information on my credit file since XX/XX/20 that haven't been fixed.

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 2018-04-07
Company: Aspen Yo LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company XXXX XXXX sent me a letter stating that they will no longer be collecting funds for escrow to pay for hazard insurance. I received the letter on XX/XX/2018 and called them the same day. While I was speaking to them I asked if standard home owners insurance is considered hazard insurance. The person I spoke with stated yes it is. I asked the representative is insurance that covers floods would still be paid through escrow and the representative stated yes it would be. As of XX/XX/2018 they have sent me a check for some of the funds from the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Company : PayPal Amount : {$95.00} Purchase was returned. The seller acknowledged the receipt of the returned package. Sent all relevant information and PayPal still did not refund the funds.

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 2018-07-17
Company: Experian Information Solutions Inc.
State: MD
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 Originally disputed a bankruptcy appearing on my credit report with all 3 credit reporting agencies Experian, XXXX and XXXX back on XX/XX/XXXX. Obviously, this was filed under someone with the same name and appeared on my report but was an error. 

XXXX  deleted the file but it still remained on my Experian and XXXX  credit files. 
Everytime I've disputed the results returned verified. I've recently requested validation of public record from furnisher of information regarding bankruptcy on XX/XX/XXXX. The furnisher is the XXXX XXXX XXXX XXXX, XXXX Division not XXXX XXXX a third party source. Nor did they provide who they verified with, the address and phone number not courthouse along with documentation used to verify. 

I have contacted the court clerk and confirmed they do not report or furnish records to the credit bureaus.

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 2021-02-27
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is in clear violation of FCRA and HIPAA Regulations. I have sent the a certified notarized letter about these concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Franklin Collection Service, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had already submitted a claim. Here is my claim number : XXXX. I am adding additional information that was received after the claim was submitted. Franklin Collection Services issued me a deletion letter. Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called Bank of America to make a mortgage payment since there was no way to split it online. I wanted to send {$1000.00} from XXXX XXXX and the remainder they took over the phone to equal {$1700.00}, the same amount I pay every month. Nothing has posted to my mortgage, the amount sent from XXXX XXXX XXXX {$1000.00} was electronically delivered on XX/XX/XXXX and they can not find it. Bank of America has had all the information they requested for weeks now. Their wait times on the phone exceed 1 1/2 hours at times. None of my emails have been answered. Many  promises for calls back from supervisors and no one follows up. I have spent over 30 hours on the phone trying to resolve this since XX/XX/XXXX. 

Today I made a second payment of {$1000.00} to protect my account while they are still trying to locate my first payment. I was told this payment made today, XX/XX/20 will forward to my XXXX amount due once they locate the original payment they received on XX/XX/XXXX. I was also told by making this 2nd payment today, I am currently not late, even though my account indicates I am.

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 monetary relief
Consumer complaint received 2020-10-29
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 am a victim of identity theft /fraud. I have accounts that do not belong to me. I have not in any way received goods or services from these companies and I want to report this identity fraud. An FTC report had been filed and is attach to this complaint, please help me to remove this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : Loan # : XXXX re : " Missed payment '' letter Dear Ditech, You mailed a letter to my attention regarding a missed payment due XX/XX/2018. 
You are receiving automatic bank payments : *you received payment of {$3800.00} on XX/XX/18 confirmation # : XXXX This is not the first time Ditech is engaged in cashing payments and assessing late fees. 

Please correct your records. 

In the event Ditech will assess a late fee on this payment, I would have no other choice but to contact XXXX XXXX of NY pertaining to improper billing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020, a debit in the amount of - {$490.00} was posted from a XXXX 's transaction on my Netspend Visa Pre-Paid Card. 

However, after the transaction was declined, canceled by the store, and no Transaction # or Authorization # issues for that amount the {$490.00} was never restored to the account. 

I've sent multiple documentation to Netspend including the receipt showing the Transaction # and Authorization under the XXXX Mastercard the {$490.00} purchase was ultimately approved. 

I made multiple calls to Netspend supervisors and senior management. I was last told that on the XX/XX/2020 an update will be provided. 13 business days after the dispute was filed with Netspend. There Disclosure clearly states 10 business days for all resolutions. 

I have worked diligently with XXXX 's to address the heart of the matter. There is no question this is an error on Netspend 's part, and at the very least should be provided with credit ( temporary or permanent ) by no later than XX/XX/2020. I was not assured that a credit would be issued ; despite the fact, the account continues to be in negative balance and accruing fees. 

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 2018-10-19
Company: Select Management Resources, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
The company has been calling my phone daily for nearly two weeks now. NO PAYMENT IS DUE UNTIL XX/XX/XXXX. Today, they began calling my sister. 

They ( XXXX XXXX ) have no fax number OR email to send a cease and desist. 

I have significant health problems and they are making me much worse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX CO XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX BANK XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2020-10-29
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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently I received a letter from ERC in an attempt to collect a debt that I do not owe. The letter is claiming that I owe {$76.00} to XXXX XXXX XXXX. This debt is NOT mine as I've never had XXXX   XXXX XXXX services. I've attached the letter they sent and as you can see that is not my name as " XXXX '' is not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Lloyd & McDaniel, PLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called XXXX XXXX office on XXXX and spoke to attorney handling my case and told her that I received notice from them to collect a debt for republican Finance and that I was already been garnished by my employer. She asked if I could email her the court garnishment order and receipts to prove that my employer was sending payments to republican finance and I did that to her email. On today XXXX I received a letter dated XXXX verifiying debt that I owe debt of more amount to XXXX XXXX from Lloyd McDaniel with the same enclosed documents that they asked me to send to them to prove that I was already being garnishment for the debt. Lloyd McDaniels and XXXX XXXX are using illegal debt collection practices to collect on this debt because my employer has sent payments in the amount of {$230.00} and {$230.00} to XXXX XXXX the Garnishment started on XX/XX/2020. So far I have been garnishment for {$470.00} toward this debt owing {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These accounts do not belong to me Collection Agency PARAMOUNT RECOVERY SYSTEMS Original Creditor Name XXXX XXXX XXXX   Date Assigned XX/XX/XXXX Original Amount Owed {$150.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXXTXXXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency PARAMOUNT RECOVERY SYSTEMS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$150.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXXTXXXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency PARAMOUNT RECOVERY SYSTEMS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$200.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency PARAMOUNT RECOVERY SYSTEMS Original Creditor Name XXXX XXXX   XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXXTXXXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/2020 I recieved an NOI letter from Wells Fargo Dealer Services. The letter has an order of steps required to reinstate or Redeem your vehicle after repossession. Borrowers are required to obtain a reciept for cost of filing from the Sheriff 's and lists the sherriffs headquarters address. Letter is attached. THIS IS FRAUD. The sheriff 's do not file repossession reports. Sending borrowers to obtain a reciept from an agency and address that is not valid resulting in failure to reinstate or Redeem vehicle is unethical and dirty, even for Wells Fargo. Why make us run in circles just take the vehicle and say XXXX CA law. 

Being that I only had 12 days before my truck was to be sold, NOT 15, I called Wells Fargo in a panic trying to get more information on how to obtain this receipt and they were unable to provide me with an alternative ... .... which IS FRAUD. I was required to obtain a reciept for cost of filing that is a non-existent filing because sherriffs DO NOT file repossessions. 

Requiring borrowers to obtain a reciept that does not exist, before they reinstate or Redeem their vehicle is not possible and would certainly result in Wells Fargo stealing vehicles. 

Wells Fargo tried to blame their NOI Letter on the repossession agency. As if the repossession agency sent the NOI Letter. Wells Fargo will not accept fault for this meaning they are actively stealing vehicles.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX Balance 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 2020-06-01
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX/XXXX  XXXX wrong status PUBLIC FILINGS BANKRUPTCY : DISCHARGED CH-XXXX  XXXX inaccurate Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation