BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
Company: TRANSWORLD SYSTEMS INC
State: PA
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, I went to XXXX XXXX XXXX Emergency Room in XXXX MD. I was treated there and I had health insurance. I was covered under XXXX for You. 
On XX/XX/XXXX I received a bill for {$810.00} from Transworld Systems stating that they now owned the debt I had with XXXX XXXX XXXX. 

I reached out to the hospital, the debt collector, and my insurance company and it appears nobody will help me out. 

The hospital is now saying they have nothing to do with it, the debt collector is saying that they can not submit anything to the insurance company, and the insurance company is saying they wouldn't approve it even if it was submitted ( because it's over a year old ). 

This is not a debt I should owe. I was covered for this service on this date. It was and is the fault of the hospital for not sending this to the insurance company. They are claiming that they sent me letters asking for insurance, but the address they claim to have used is not my address - and hasn't been for over 3 years. 

So, basically, the debt collector wants me to send them {$810.00} for something I should have never owed a XXXX for - and because they sent me this correspondence over a year past the date of service, my hands are completely tied. This is negatively affecting my credit score, which is what I am trying to clear up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Multiple notices have been sent out to the lender they refuse to respond. They refuse to comply they are in default and at fault of this commercial lien and notice the contract was rescinded and full repayment of loan to the victim is necessary due to the damages. 
The vehicle shall be recovered and capital one shall also be responsible for charges and fees

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Capital Alliance Financial, LLC
State: NJ
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:
I have not did any hard inquiries and it says I have 26 I did none of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: CAINE & WEINER COMPANY, INC.
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: Old information reappears or never goes away

Complaint:
I have two companies that are still showing open on my credit report. The accounts have been closed and the companies are no longer active. This is showing derogatory and needs to be removed. 

XXXX XXXX XXXX XXXX XXXX this was taken care of already with insurance and was settled closed. 

XXXX XXXX XXXX XXXX XXXX I have called the company and settled the debt already. And it was considered paid off and was suppose to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: SCA Collections, Inc.
State: CA
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:
{$200.00} Medical debt for XXXX XXXX on a XXXX. Doctor was coverage by the insurance. The lab I found was not covered being out of network. The insurance company said they would pay for usual and customary amount to the uncover lab. The lab would not take this wanted full amount. The lab said they would work it out with the insurance company for a dollar amount. The insurance company wanted to pay a partial but the lab would not take it. I contact the lab said only full retail amount would be acceptable but would contact the insurance company again to ask for full payment. Instead they sent the {$200.00} Debt to SCA collections. I explained the mix up to SCA. They would not listen. Placed debt into credit collection on my credit reports. I have over 10k in my HSA account. The money was not the issue but the amount and billing from LAB and Insurance. This should have never gone to collections. I filled a dispute with the three collection agency 's. The letter stated the information above. Two of them removed it. XXXX would not. They stated it must come from SCA collections I called them again. Asked for to remove it.They WOULD NOT remove it AGAIN. I know I spent more than {$200.00} worth of the various company 's time to trying to remove it. I paid the {$200.00} in XX/XX/XXXX. XXXX shows it closed in XX/XX/XXXX. Again This is wrong. This is holding up my new home 's  mortgage rate reduction. I have NEVER missed a payment. This all over a {$200.00}. If you need car repairs you get en estimate, If you need a service Painting etc.. You get estimate. Only in medical none emergency you can't ask for a estimate and review before you get the service. Something as to change! They can charge and use any medical supplier they chose. There is NO checks and balances.

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 2018-07-16
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I set up a XXXX with XXXX XXXX and agreed to pay {$150.00} setup fee for a years service. Upon set up, XXXX XXXX never disclosed there would be a {$230.00} filing fee with the State. However, XXXX XXXX took {$230.00} those filing funds from my credit card without my authorization. I no longer want or need XXXX XXXX service, and don't want to continue the service for an additional year. I have made this well known to XXXX XXXX on several occasions, and also filed a report with the XXXX, which they know about. There are several complaints registered on the XXXX  website, with the identical problem. XXXX XXXX wants me to file a report with the state of Nevada, to close my XXXX. Since XXXX XXXX registered the XXXX without my consent, then it is their responsibility to file the necessary paperwork at their expense to correct their mistake. I have been continually harassed by first XXXX XXXX and then collection agencies for {$150.00} renewal, which I don't want. XXXX XXXX needs to stop any further correspondence with me, repay the {$230.00} they took from my account with my authorization. XXXX XXXX to file any necessary paperwork at their expense to close the XXXX, which was never disclosed to me. In additional XXXX XXXX needs to stop their deceitful business practice, of not informing customers of all the fees required to start a XXXX with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: AES/PHEAA
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 status incorrect

Complaint:
LATE PAYMENTS ARE REPORTED ON STUDENT LOANS WHICH WERE IN DEFERMENT AND THEN LATER CONSOLIDATED. LATE PAYMENTS NEVER REMOVED AND IT IS NEGATIVELY AFFECTING MY CREDIT SCORE. DEFERRED LOANS CAN NOT BE LATE, WHEN NO PAYMENTS ARE DUE. 

FEDLOAN SERVICING OVER 20 ACCOUNTS SHOW LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: EQUIFAX, INC.
State: NM
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:
Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Global Trust Management LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX I called a number that has been calling me and hanging up. When I spoke to a representative he brought up an account I owed. I asked if he could submit something in writing because I dont recall. He stated by law they only have to send one statement out. I told him I didnt receive it and if he could resend it. He told me no and how we can resolve it. He said if I dont recall he can help me recall over the phone. He did provide me with the collection agencies name Global Trust Management and my account number XXXX. He was not trying to provide me with what I asked over the phone. Very rude tone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received multiple emails and text messages claiming I was pre approved only to spend 10 minutes filling out information onlyfo to have credit card company run another credit inquiry and negatively affect it more each time. I'm being turned down for a lack of credit history how does someone get credit If he is 100 % of the time denied because I never borrowed from lenders? I make XXXX. Year and am debt free but someone who pays off one debt with another gets approved. What a XXXX system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

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 2020-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have depicted the dates and misinformation from Bank of America employees dating back to XX/XX/19.

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 2018-03-12
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In 2008 I was XXXX XXXX XXXX, misinformed, and misguided by the corrupt student loan company, once known as XXXX XXXX, to apply for a student loan which would end up plaguing me for the rest of my life. It was easy, you go online, apply, " electronically sign for you and your co-signer, '' and that's it. You get approved for a loan that will surely default to a young girl who had NO idea what they were signing up for. How can an " electronic signature '' be legal for a financial decision of this magnitude? Biggest mistake of my life. I've tried at first to pay off my debt ( $ 20,000+ for one semester ), and have failed. I've exhausted my forbearance and deferment options. I can not afford my day-to-day living expenses and other bills, plus the almost $ XXXX Navient wants me to pay. I can't swing it, and I should've never EVER done business with XXXX XXXX, now known as Navient. I receive nearly 20 phone calls a week from them asking for money, it is borderline harassment and I simply do not have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a negative report on my credit report. It was from Enhanced Recovery comapany. They represent XXXX. It states that it is a new account and has an open date XX/XX/2016. That is false and hurts my credit score. I have been with XXXX for the past 10 years. I would like for this to be removed from my credit report. I filed a dispute with XXXX but it came back as correct which it is not and is illegal. Can you please remove this information from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After reviewing my annual credit report I noticed that you have violated the FDCPA as well as FRCA the required noticed of dispute is missing this information has to be enter within 30 days of a completed investigation or it has to be deleted from the consumer credit file XXXX  and Experian when XXXX  XXXX XXXX remove this violation please send me a updated copy of a credit report

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 2022-12-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. # XXXX have 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.

15 U S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Thank you for updating and correcting some of the information on my credit report. However, there are still some things that need to be fixed. The 3 credit reporting agencies are required to verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I hope these disputes are resolved as soon as possible. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I just received a bill from the XXXX XXXX XXXX represented by Convergent Outsourcing for the amount of {$23000.00}. Account # XXXX. It has been 13 years, this loan is from XXXX, and just now they send me this bill, and tell me that they are going to sued me in court. California Statue of Limitations is 4 years.Right? ( Cal.Civ.Proc.Code 312 et seq. ) I file Bankruptcy in XXXX, and this account from the XXXX XXXX was NOT in any of my credit report agency. Today I check my credit report, I don't have any debt account with the XXXX XXXX XXXX or Convergent Outsourcing. 
If I own {$23000.00} it should appear in all my credit report agencies, correct? Why they don't report this debt to the Credit Agencies? By doing this they avoid getting bankruptcy?

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 2020-05-26
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have had a loan refinance pending with Flagstar Bank since XX/XX/XXXX. To clarify, my credit, income, loan to value, debt levels, etc. are all well above any minimum underwriting thresholds. Flagstar currently owns the mortgage that I am refinancing. 

I received a Conditional Approval Letter on XX/XX/XXXX. The letter had vague conditions listed to complete the loan, so I attempted to reach both my Loan Officer and my Loan Processor. The Loan Officer 's number immediately goes to voicemail every time ( dozens of calls ) and the Loan Processor 's number does not work. I have left voicemails, emails, and messages using Flagstar 's online portal service. I also have called the main line for Flagstar to escalate.

To date : From my Loan Officer : I have received 1 form email that did not acknowledge I had questions and one phone call which said things would be taken care of, but not follow up. 
From the Main Line ( escalation ) : 4 separate calls have resulted in promises that a supervisor would call back, but this has not happened. 

Over the weekend, I got a call from an appraiser ( 22 days after the Conditional Approval letter ) saying he got an order to schedule my appraisal, but then had a subsequent order to cancel the appraisal. I have no correspondence from Flagstar about any of this. 

In the beginning of XXXX, I will have my second loan payment due since starting my refinance. Flagstar, through their incompetence, is creating unfair lending practices by stretching out the length of time of their refinances so that they may charge the higher interest rates. Either that, or they are making the loan process difficult in the hopes that I will not complete the refinance and they will hold the loan on their books with the higher interest rate.

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 2019-07-25
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After reviewing my annual credit report I noticed that you have violated the FDCPA as well as FRCA the required noticed of dispute is missing this information has to be enter within 30 days of a completed investigation or it has to be deleted from the consumer credit file Equifax and XXXX when XXXX XXXX XXXX remove this violation please send me a updated copy of a credit report

Company response to consumer: Closed with explanation