BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: Phoenix Health Care Management Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have worked as a XXXX during this entire pandemic and continue. While working at XXXX if XXXX I began feeling a intense pain in my XXXX XXXX XXXX. After work I went across the street to XXXX of XXXX hospital. I told MD my symptoms and that I would be self pay because my insurance wouldnt begin until XXXX of next month. I requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was given unnecessary exams mounting to XXXX after a XXXX self pay credit. Only for MD to prescribe the XXXX XXXX XXXX XXXX XXXX XXXX. Health insurance does not permit unnecessary exams and will not pay out for them. This is to prevent abuse of insurance claims and exploitation of the consumers. As self pay I should receive my healthcare under the same guidelines. I should not be exploited because I am XXXX XXXX  and taken advantage of in a moment of weakness. I risked my life taking care of others at XXXX XXXX during height of pandemic. I deserve more than to be scammed. This matter is causing a financial hardship and is potentially ruing my credit while I am seeking homeownership. I worked my credit back up to XXXX. I eventually went to XXXX XXXX XXXX and XXXX XXXX treated me effectively. My bill was XXXX which I paid. I have paid XXXX for the above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owed on a credit card and reached a settlement with the collectors over the phone, but I have not been able to contact the company through their email/chat system, even waiting 5 or more days even though you set a date to receive a reply on, meaning you are forced to call and talk to someone which is very non inclusive to those who cant/isnt comfortable talking on the phone

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 2022-06-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to purchase a car since XX/XX/XXXX. The finance company can not retrieve my Equifax score. I find out from Equfax that they won't release it because the information Equifax has on file is an address I lived at a DECADE ago and they have my maiden name on file which is also from a decade ago. At some point Equifax changed my information back to these which are incorrect. I bought a car last year in XXXX of XXXX with this same dealership and my credit was run without incident. Somehow, it was changed within Equifax 's system without my knowledge or consent. This has caused me to miss work as I have been unable to qualify for my car loan even though I got one JUST LAST YEAR. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Venmo user name : @ XXXX XXXX I initiated a transfer of {$700.00} on XX/XX/XXXX Transaction id # XXXX, which was supposed to arrive by XX/XX/XXXX. I never did arrive. I submitted tickets to VENMO customer service, uploaded proof that for 8 days the transfer never showed. Here is their last correspondence:5/26 " XXXX here from Venmo Support to help you with your {$700.00} standard transfer that happened on XX/XX/XXXX. 
I am sorry for the last communication & the confusion this may have caused. 
I see the standard transfer was created on XX/XX/XXXX and approved the same day. I then see it was issued at XXXX PM on XX/XX/XXXX. The transfer completed successfully to bank ending in XXXX the same day. 
I do not see any errors or declines XXXX. 
I understand how important it is that you receive these funds as soon as possible, so Ill do what I can to help. 
Im going to escalate this issue to the appropriate team. They can provide a trace number ( like a tracking number in shipping ) to help your bank locate the transfer. To help with their investigation, pleaseclick on the upload link belowandprovide a digital copy or photo of a statement from the bank account. 
Feel free to cover sensitive information such as full account numbers, and please ensure to provide the bank name, the last XXXX digits of the account number, your running balance, and all the charges that took place between DATE_BEFORE_TRANSFER and SEVEN_DAYS_LATER. " As you can see it is stated a " tracking number " would be provided, so my credit union could find where it put the transfer. They never responded after this above response. Their lack of response with the tracking number, and the fact that I sent a small transfer later on which posted the next day to my credit union account, tells me the problem is not with my credit union It appears they just hope to ignore my problem I willl go away. wrong. Please help! XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 


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 non-monetary relief
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 non-monetary relief
Consumer complaint received 2022-06-24
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On or around the second week of XXXX I went to agency in question with the total sum amount, intent on finalizing transaction. I however was convinced on continued installments, not wanting to make a fuss of the matter for I was recently widowed with a slew of health concerns coupled with my senior citizen status. I just wanted the best outcome, I felt overwhelmed so I acquiesced to their coercion. In hindsight I realize my actions were quite erroneous because now present day they are employing predatory practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home loan with XXXX Mortgage Co. 

I received a notice re a shortage in my escrow account, and was given an option to pay in full the shortage, or start paying a higher monthly amount. I chose the former, going to the website and paying the amount of {$1400.00} in full. 

XXXX has acknowledged receiving the amount, but claims that they didn't know where to put the funds I had paid, and after trying to contact me ( the phone number they had in their database was incorrect ), they applied it to my escrow, which according to them is different from the escrow shortage account. 

Because I had already paid the shortage, I paid the bill due in XXXX in the amount of {$3200.00} instead of the higher amount if they had not received the shortage payment ( approximately {$3400.00} ). 

However, because XXXX did not apply correctly the escrow shortage payment I sent in : XXXX ) they have claimed I had not paid the {$3400.00} payment due on XX/XX/XXXX XXXX ) added late fees XXXX ) reported me to the credit bureau for XXXX I spoke to a Roundpoint rep on XX/XX/XXXX and she had claimed they would fix the issue and remove the late fees, and my future payments would be {$3200.00}. She told me to wait till XX/XX/XXXX and everything should be fine. Instead, a delinquency notice was sent to the credit bureaus around XX/XX/XXXX. Immediately after being contacted by XXXX, I called XXXX again and was told they would TRY to fix the problem which hopefully would reflect no delinquency around XX/XX/XXXX. In the meantime, my credit is messed up. The rep also said I have an escrow overage and would receive a refund check, which further muddies the situation.

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 2022-06-24
Company: VW Credit
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: Investigation took more than 30 days

Complaint:
VW Credit made it impossible to make timely payments without the use of direct bank withdrawals by insisting on alternative primitive methods via XXXX XXXX and XXXX that often times don't work and charge exorbitant processing fees and delays. VW Credit received timely payments for 18 months and they cost me recent denial of credit by financial institutions. I was threaten by customer service of repossession in order to intimidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never use my social to apply for anything, yet I have an account that has went to collections showing on my credit report. It is showing as an open account open since XX/XX/2021. This account is NOT MINE.

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 2022-09-19
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX, I was contacted by a debt collection company called Hunter Warfield ( XXXX XXXX XXXX. XXXX, FL XXXX ) who was hired by a leasing company, XXXX XXXX XXXX, XXXX, ( XXXX  ) in XXXX NY my son used for his college apartment 2 years prior ( XXXX of XXXX ). The letter they sent stated that XXXX demanded additional funds, over and above the deposit paid. The amount they were demanding was for repairs of issues that were already present prior to my son moving into the apartment or for repairs for issues that were incurred while he lived there that were not under his control ( leaking roof, bad plumbing ). These issues were written down ( holes in walls, peeling paint ) and we were told would be taken care of prior to him moving in by XXXX or were submitted as maintenance requests through XXXX 's website during his time in the apartment. That information now seems to be " lost '' and XXXX is demanding payment for repairs we are not responsible for. 
The other issue is that the TOTAL amount demanded is {$1100.00}, yet they are asking for this total amount from the 5 different families of the boys that lived in the house at the time, essentially demanding {$5800.00}, which is even more unfounded and in my opinion complete FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: NC
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 Account # XXXX, has 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 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 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 2022-06-24
Company: Experian Information Solutions Inc.
State: AR
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:
While reporting these accounts, the reporting companies are violating my rights according to the Fair Credit Reporting Act. My federally protected rights to privacy and confidentiality have been violated by reporting agencies according to 15 U S Code 1681.My rights have also been violated by the lender because they never gave me the option to opt out of this information being reported. 15 U S Code 6802 clearly state that any financial institution that share information with third party affiliates are required to give the consumer an option to opt out of their information being reported. That option was never giving to me. 15 U S Code also states I have a right to privacy, and going on to say that reporting agencies can not furnish reports without my consent. I have tried time after time to dispute these items but the continue to be reported by two consumer reporting agencies. 
Account # XXXX US DEPT OF EDXXXX Amount {$44000.00}

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 2022-09-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I XXXX XXXX, On XX/XX/XXXX I purchased a SUV from XXXX XXXX in XXXX XXXX Mass. My Loan doc 's are all wrong they promised me on price of XXXX dollars but on the loan doc it say XXXX plus a bunch of XXXX fee 's that don't make sence. The sales guy is XXXX XXXX, the loan person was XXXX XXXX. This car buying experience was awful. now I'm like how do I pay the trap I felt like I was put in. Can you Please Help. I'm a hard worker and I fell Like I have been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In addition to the effects of the pandemic : My income reduced to {$12000.00} per year. 
I am permanently XXXX due to XXXX XXXX ( XXXX  ) and XXXX. 
My husband is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ). 
My biggest hardship is medical bills and medical mileage ( XXXX miles in 2022 so far ). 

Synchrony Bank filed charge-offs on five accounts XXXX days after the last payment. I have filed several disputes with XXXX stating the above hardships. They refused my requests. XXXX suggested that I speak with them directly in which I did. They still refused. After speaking with them regarding the dates of the payments versus the charge-off dates, I was locked out of the accounts. 

I have asked that the charge-offs are removed from my credit report not only for early charge-off, but with the assistance of the XXXX XXXX as well. 

I can not pay these debts and won't be able to in the future for the above-mentioned reasons. I also need my credit in good standing to avoid future hardship getting a car or housing when needed. 

Please help me! I have proof my the last payment dates for all five accounts.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for but are erroneously reported as such.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-25
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son went to XXXX XXXX at XXXX XXXX XXXX XXXX  in XXXX of XXXX XXXX XXXX submitted my insurance information incorrectly, charged me {$40.00} for a copay and a few weeks later I received a bill in the mail for about {$140.00}. On XX/XX/XXXX, when calling XXXX to have them resubmit to my insurance company they refused to talk to me citing HIPAA as the reason and hung up on me. 

About 1 week ago I started receiving daily calls from Transworld Systems Inc, trying to collect on a debt I owed to XXXX. They wanted me to validate my DOB, Address, and other personal identifiable information which I was not comfortable to exchange on a unsolicited phone call. They referenced XXXX which was paid by my insurance company in XXXX and when I talked to XXXX they said they actually owe me money ( {$35.00} ), not that I owe them anything. Transworld Systems calls me daily and threated multiple times to continue to call me until I verify information with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions 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:
I filed a complaint dispute on XX/XX/22 for a bankruptcy that does not belong to me, that is showing on my credit reports. On XX/XX/22 you responded back thru the CFPB portal, that you conducted an reinvestigation. Experian stated they contacted the public record vendor which is XXXX and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. If Experian truly contacted XXXX, then why did XXXX send me a letter and a report showing that they could not verify that this bankruptcy belong to me and that they removed it from their files? I have attached a copy of the letter and copy from the page from my XXXX report showing there is not bankruptcy. PLEASE REVIEW. I am asking for the LAST time for Experian to remove the bankruptcy that does not belong to me off my credit report within 15 days and all fraudulent tradelines showing on my report that list they are under bankruptcy. As I am a litigious consumer, I trust that Experian will correct the issues I have brought to their attention to remove expeditiously. Let me clarify what I am asking to remove a bankruptcy that does not belong to me and remove all subsequent fraudulent tradelines from my credit report that show a bankruptcy attached to them. Again please see the two items I have attached as documentation that show XXXX does not show a bankruptcy on their consumer 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 2022-06-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance I have never had an account with this company. 

I called them and they said I owed half of that for a store credit card, but refused to delete from my report.

Company response to consumer: Closed with explanation