BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have had both the original creditor, XXXX XXXX  XXXX XXXX XXXX, and now a medical debt collection agency, HRRG, contact me regarding debt owed on a medical procedure from XX/XX/2021. I have reached out to my health insurance, XXXX XXXX XXXX XXXX XXXX Illinois, which states that they were billed, and I should owe nothing. The amount owed was written off under contract with my insurance company, and I shouldn't owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: NC
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:
In XXXXXXXX XXXX XXXX my XXXX and XXXX business account ending in XXXX was compromised as a result of fraud. I disputed the account immediately when I became aware of the activity. XXXX and XXXX did reverse the transactions and provided a resolution to my account to where I had a {$0.00} balance. But as a result of the fraud the credit bureau agencies are reporting late payments for the months of XXXX and XXXXXXXX XXXX XXXX. I have submitted all credit card statements confirming that these transactions were all reversed as a result of fraud and I should not be responsible for late payments. I request my credit reports with the credit bureaus be adjusted to accurately reflect such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Lazega & Johanson LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a letter by Lazega & Johanson, Attorneys at Law in XXXX stating that they are attempting to collect a debt on behalf of XXXX XXXX, XXXX for a debt I allegedly owe to XXXX for account number XXXX. 

I had a third party credit reporting agency contact Lazega & Johanson to obtain the account number and verify the debt. The resulting report is attached. The account at XXXX XXXX XXXX was reported to the third party credit reporting agency as Charged Off. I assume because they were not able to verify it was mine. 

The third party credit reporting agency also contacted XXXX on my behalf. XXXX was not able to produce any such account. This account does not appear on any of my three credit reports. It does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have home equity with pen fed I have noticed that interest rate has going Down well over four months ago and I am ben charge 5 % for my loan I have call the Company two month ago n a month ago I was told interest rate will go down back every three months so I was told my rate will go down this month XXXX and now is XXXX I am still getting the statement The rate 5 % Can you help I think this Company is very Misleading the public

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 2023-04-14
Company: REGIONS FINANCIAL CORPORATION
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 was banking with Regions when I made a purchase on XXXX from my business checking account on XX/XX/XXXX. I returned some products to XXXX but only after that checking account closed. I tried my hardest to get XXXX to refund me a different way but nonetheless they refunded {$960.00} and {$800.00} on XXXX XXXX. 
Currently the date XX/XX/XXXX and Regions Bank nor XXXX have any idea where my funds are. This is a total of {$1700.00}. I have been to several Regions Bank locations and spoken to many representatives on the phone. Finally one person said they saw the transactions but she could not do anything. It has been months and I have been at a loss. Please Help!!! Regions keeps sending me back to XXXX and XXXX keeps saying the money hasnt been returned. 
Also, both parties say if I have an account the money will just find its way into the account. I still have a checking account with Regions and this phenomenon did not occur. I need assistance!!!

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit report I discovered fraudulent accounts on my credit report, I contacted the proper authorities and submitted an identity thief affidavit. I urgently request the CFPB to help me resolve this matter as soon as possible.

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 2021-04-29
Company: Kriya Capital, LLC
State: GA
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:
Credence Resource is reporting an erroneous debt on my credit file. I never received a call or notice about this debt and it recently appeared on my credit file. I immediately called Credence Resource and the original creditor to find out what this debt is for. XXXX XXXX says its for an XXXX XXXX XXXX debt but i have not had service through them for a long time and didnt not have them long enough to accumulate the debt that is being reported. I called XXXX XXXX XXXX and they said they can not find where the debt came from and i called the collection agency and they can not find me in their system. If this is a debt i owe i have no problem paying it but i need them to remove this from my credit file and send me my 30 day notice, as i have the right to be notified before this is added on my credit file, so i have time to settle and avoid this showing up on credit again. If it is not my debt i need it removed from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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:
The following accounts have been disputed with Equifax and they have failed to verify and delete these accounts from my credit report. Their failure to do so is a violation of my right according to the FCRA. The acccounts to be deleted are as follows 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 2020-02-05
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
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:
XX/XX/XXXX I traded my lease vehicle for a new car, the auto dealer purchased the lease vehicle. The final full pay off was posted to my account on XX/XX/XXXX in the amount of {$23000.00} and based on my final payment record left a Credit Balance of {$35.00}, additionally I received a letter dated XX/XX/XXXX that my lease is considered " satisfied in full ''. As of date and today call, KIA lease still shows my account open and has yet to disperse the {$35.00} credit balance, after calls back in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have been told that it takes 90 days from the date of final payment to close the account, on one call I was told that it took only 30 days form the date the final payment posted, either way I have yet to receive the {$35.00} credit balance. 

Second, I reside in the State of Virginia ( VA ), I am responsible for the vehicle tags and their cost, upon selling the lease to the dealer I turned in my tags to the department of motor vehicle ( DMV ) on XX/XX/XXXX, the VA DMV mailed the reimbursement to my home address on XX/XX/XXXX however made the check payable to KIA Lease ( Hyundai Lease Title Trust ) in the amount of {$74.00}, I immediately took the check back to my local DMV office who in-turn mailed the check to KIA Lease, again I gave KIA lease until XX/XX/XXXX to reimburse me, my call in XX/XX/XXXX yeilded no answer, my call at the end of XX/XX/XXXX was told they had a check but had not mailed it out, my call as of today XX/XX/XXXX was told that the check for {$74.00} was mailed out on XX/XX/XXXX. 

I asked as to the other information again as noted in my first paragraph as to the account and the {$35.00} credit balance, I was told today XX/XX/XXXX they see no record of a credit balance and that they could send an e-mail but that would take another 4-5 days for an answer. 

I just want to ensure that no once else has these issues, as an consumer I am expected to pay my account on a certain day and I met that, I was never late, however KIA Fiance seems to be able to hold onto a consumers refund until they determine it is OK to release. 

Please find out why my account is not closed, why I can see a credit balance which has not been dispersed and why they also held on a refund that they never were responsible for. 

Thank you 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 2023-02-17
Company: EQUIFAX, INC.
State: TN
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:
After multiple complaints and attempts to get inaccurate information removed, these credit bureaus are still reporting these negative items on my credit report. 
U.S. Department of Ed. Partial Account # XXXX .... 

The Credit Bureaus stated my account was " Properly Investigated '', but how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, this is grounds for removal and violates my rights under 15 U.S.C Section 602 A. States I have the right to Privacy.

15 U.S.C Section 604 A. States A consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/19 I made a payment via automated system with XXXX XXXX for {$460.00}. I called back later to confirm because I did not see payment pending. I was told by XXXX rep that payment was processing. We continued to have a discussion about a past due amount and I informed them I was paying a little more each month to catch up. The additional past due amount was about {$230.00}. I received an alert from CHASE on XX/XX/19 indicating I had a low balance which prompted me to look online and notice the {$680.00} payment processed yesterday. I did not authorize XXXX to draft my Chase account for {$680.00}, I was informed by the rep that I have an overage paid into the account and he would apply the overage. He did not inform me that my account would be drafted for the " past due '' amount. Overage and past due are 2 different things, I looked them up today to be sure. I contacted my bank to dispute because I am fully aware that the additional {$220.00} will cause a negative ricochet effect in my bank account, the Chase rep told me that she could not dispute because it was not fraud. I attempted to explain to her that it is the amount that was not authorized and I am not alleging fraud by the merchant. She kept repeating her statement as if she was not either hearing or comprehending the message I was attempting to convey.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-24
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
hello, On XX/XX/19 an call was placed to this agency for the debt that is on my credit report. this amount is wrong. Payments were paid to the previous agency and the converter boxes has been sent back. I was supposed to received at least {$200.00} credit for the boxes being sent back, seeing that the original debt was for service that has not been rendered. The cable service was to be paid a month a head of time every month. If not paid they will cut off your service. So bad enough I still have to pay for a bill on cable I didnt get the opportunity to watch but they are trying to make me pay for the boxes and for payments I already paid. They offered me a {$230.00} settlement that I declined, the balance they said that I owed was {$470.00}. I told them if they take in light that I did send the boxes back with they said was {$160.00} and deduct that from the {$470.00} and then offer me a settlement, I would be more inclined to take that offer so it can come off my credit report. but they declined

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: OH
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 disputed some items on my credit report and didn't receive a response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We were paying the mortgage by phone because there were no branches in the vicinity. There was a {$19.00} dollar phone fee which we never knew about until after six months therefore we were contacted by mail telling us we were behind in our mortgage and late charges and home inspection fees started to mount up. Whenever we tried to call them we were either hung up on or put on hold forever. Furthermore, they told us to apply for a loan modification, not only once but three times. They told us papers were missing, which we sent by certified mail and continued to get the run around. We have paid the mortgage for twenty three years between four different lenders. XXXX XXXX XXXX before transferring our mortgage to Nation Star told us our payments would be lowered and Nation Star never acknowledged it. When we could n't rectify the situation, we stopped paying the mortgage. We are currently going through the foreclosure review process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: EQUIFAX, INC.
State: FL
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:
Please investigate and delete disputed items that are listed on my consumer credit report : Accounts XXXX XXXX XXXX. XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: CITIBANK, N.A.
State: WI
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  has refused to correct entries in my credit report incorrectly stating that my CITI XXXX  XXXX XXXX Account Number beginning XXXX XXXX XXXX XXXX is an " Adverse Account, '' with a " Maximum Delinquency of 30 days in XX/XX/XXXX. '' I had no such delinquency. I fully documented this fact in my original Complaint with the CFPB ( XXXX, directed to Citibank, and XXXX directed to XXXX  XXXX. Citibank, after its investigation of my Complaint, acknowledged there was no delinquency. In its letter dated XX/XX/XXXX XXXX attached ), it stated the bank " asked the credit reporting agencies to remove the delinquency dated XX/XX/XXXX from [ my ] credit report. '' However, XXXX  letter dated XX/XX/XXXX XXXX attached ) responded in perfunctory, fill-in-the-blank standardized language, " The disputed item ( s ) was verified as accurate '' ( page 4 of 5 ). The credit reporting bureau refused to accept the results of the investigation by Citibank, the creditor here. Citibank is the sole source of information about whether or not a delinquency occurred in XX/XX/XXXX. TransUnion would have no information about this matter independently of Citibank 's records. Citibank concluded no delinquency occurred. Both XXXX  and Citibank are bound by Citibank 's representation. Indeed, no delinquency occurred and this improper refusal by XXXX  motivates this new Complaint and possible further legal action based on principles of estoppel. I respectfully request that the incorrect entries in my XXXX  report be corrected to show I have no delinquency for the account in question. XXXX  is the only credit reporting bureau to have made this reporting error. When it is removed from my report, my perfect credit payment history will thereby be restored.

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 2023-02-26
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Dear PayPal Customer Service Team, I am writing to lodge a formal complaint regarding my inability to make payments using my PayPal account. I have been facing this issue for quite some time now, and despite my best efforts, the problem persists. I have given my account a rest for 24-48 hours, but it has not resolved the issue.

The problem, as I understand it, is related to security triggers that exist on my account. These triggers are preventing me from making payments, and I am unable to carry out even the simplest of transactions. I have attempted to contact your customer service team to resolve this issue, but to no avail. 

I understand that security is a critical concern for any financial transaction, but this situation is becoming increasingly frustrating. I have a significant amount of money in my account, and I need to make payments urgently. However, the current restrictions on my account are making it impossible for me to do so. 

I am hoping that you will take this matter seriously and resolve this issue at the earliest. I request you to thoroughly investigate the issue and remove the security triggers that are preventing me from making payments. I would also appreciate it if you could provide me with a timeline for resolving this issue, so I can plan my payments accordingly. 

As a valued customer, I expect PayPal to provide me with reliable and efficient service. I have been using PayPal for several years now, and I have always found it to be a reliable platform. However, the current situation is making me reconsider my options. I hope that you will take prompt action and restore my account to full functionality. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Date XXXX Purchase for XXXX was told I was buying it for XXXX Tried to contact them but no one in finance department would return a call or connect to the persons solve my issue My name was forged on a different contract other than the one I signed Capital one ( finance trough ) XXXX  XXXX in XXXX XXXX Was that the finance manager who handled my transaction no longer works there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed this alleged medical collection debt # XXXX on XX/XX/XXXX Holloway Credit Solutions Responded to me yet they did not send enough proof to verify this debt ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) informed consent for medical treatment and ( b ) financial responsibility agreement, signed by The alleged original creditor XXXX XXXX XXXX XXXX and XXXX XXXX , ( 2 ) a copy of all actual bills sent from The Alleged original creditor XXXX XXXX XXXX XXXX to XXXX XXXX with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by XXXX XXXX to the alleged listed original creditor XXXX XXXX XXXX XXXX, ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved and ( 6 ) Proof that this debt was an alleged the account described by Title 15 section 1693A ( 2 ) demand deposit, savings deposit, or other asset accounts.

This alleged Debt Collection Agency sent me a medical bill and that is all. I Need this debt deleted until the requested documentation is received by me

Company response to consumer: Closed with explanation