BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried contacting this company via mail and phone with no success this debit is false and affecting my livelihood. This letter is to notify you that you have posted a " Consumer Dispute Statement '' on my credit report that is preventing me from obtaining mortgage financing. While it is my right to post a consumer statement on my credit report with credit reporting agencies. The account history information reporting on my credit profile with the three major credit reporting agencies ( XXXX, XXXX and XXXX ) for the accounts listed above are reporting accurately and are not in dispute. Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company.

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 2015-05-12
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX cancelled my phone and internet service due to my adding XXXX service to my office in XXXX XX/XX/XXXX. It sent a revised final invoice on XXXX/XXXX/XX/XX/XXXX, which seemed to suggest there was a termination fee. I asked XXXX & XXXX for proof of any termination fee, as I did not have such a contract with them ; XXXX XXXX XXXX provided a copy of a XXXX page fax that did not have any termination terms and did not reflect the type of service listed in the bill. Despite having disputed the payment with XXXX XXXX XXXX and getting a resolution, XXXX XXXX XXXX placed the debt with XXXX. XXXX called my office repeatedly, and in XXXX XX/XX/2014, I filed a Notice of Dispute with XXXX XXXX XXXX. My attorney was assured that collection calls would stop while XXXX XXXX XXXX investigated the file, however, XXXX XXXX XXXX never responded to the notice with documents showing that I had any obligation to pay the {$1400.00} bill. Instead, XXXX XXXX XXXX transferred the alleged debt to IC System, which continues to call to collect a nonexistent debt. Litigation was filed with XXXX in XXXX of XX/XX/XXXX however IC System continues to phone at my office, where I am a XXXX, interrupting patient care. I have informed IC System that they are not allowed to call at my office, however, XXXX XXXX of IC System says that she will continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX bank ss XXXX Department of education XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX department of Ed/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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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.

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 2017-05-22
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
We were making payments as agreed  with GM Financial on our account for the balance left on our vehicle that was a voluntary repossession . They wanted to raise our payments & provide additional credit towards our balance. They also offered a settlement option  XXXX   2016 . Based on the information they provided at the time, I agreed to the settlement. I am attaching supporting documentation for the {$9000.00} settlement. I took the amount out of my pension account & considered the debt weighed more than the the tax penalty. In  XXXX   2016  we received the settled in full letter. In addition without ever notifying me through this process, we received a  XXXX  for {$8000.00}. This was double impact to our taxes. I called  XXXX  & inquired as to why we were sent the  XXXX  & was advised that IRS required it to be sent out end of story. They failed to disclose this detail when they offered the settlement. I would have never proceeded with the settlement offer & would have worked out an acceptable revised payment plan. I am now faced with tax penalty on my retirement & additional taxable income based on the  XXXX . This was very negligible on their part & I hope you are able to assist with reversing the  XXXX  due to non disclosure. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: TX
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:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX XXXX on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX. I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

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 2022-01-22
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
CAVALRY PORTFOLIO SE has been sending me collection notices in the amount of {$6200.00} XXXX XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This Company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I applied Old Navy Visa and was approved. However I never received the card and when I call them they said they sent the card to my I address. Asked them to verify the address but told me it was priveledged information. They also told me the card was cancelled. I went back to the store and paid the amount due through a debit card but they refused to give a receipt or even email it! This was XX/XX/XXXX and the person who processed this payment was XXXX and her id was XXXX. Up to now I never received a card in the mail or the orignal bill. Instead I receved a bill for late payment of {$26.00}. I call the number on the bill but they said there is nothing they could do and it would take a very long time to speak to supervisor or manager. They hang up and the person I talked was XXXX id 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 2022-01-22
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EASTERN ACCOUNT SYSTEM has been sending me collection notices in the amount of {$240.00} XX/XX/2021 The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This Company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
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: Was not notified of investigation status or results

Complaint:
I have attached a copy of the accounts that are fraudulent as well as the inquiries that are fraudulent along with a copy of the police reports have sent them to Experian numerous times for them to rectify the situation however they continue to report the information as being accurate although I have sent in a copy of the police report from the state  and county I live in.

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 2022-07-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Comenity credit card account originally showed payments made but this disappeared from their records and now it shows I owe a very large balance WHICH I DO NOT. 
Information showing at present on Comenity Bank online records for my account : Shows {$83.00} payment on XX/XX/XXXX Then DOES NOT SHOW the following payments I made : 1. XX/XX/XXXX for {$760.00} 2. XX/XX/XXXX for {$71.00} 3. XX/XX/XXXX for {$150.00} 4. XX/XX/XXXX for {$53.00} Then does show a payment for {$110.00} on XX/XX/XXXX Then as of XX/XX/XXXX I made two more payments which have not yet been entered but have been paid : {$100.00} and {$680.00}. 
Comenity records also indicate I received {$10.00} Rewards issued on XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX WHICH I DID NOT. 
I look forward to assistance with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/XXXX I received an alert from XXXX XXXX regarding an account open requesting me to validate. Clearly it was not mine so I filed a complain with XXXX XXXX  who provided a loan of more than $ XXXX to purchase a car, file XXXX  police reports one in SC and another one in NC were the crime took place and same day I freeze all my credit reports with the 3 companies, and place fraud alerts. On XX/XX/XXXX I receive an e mail alert at XXXX from my XXXX XXXX lettings me know that they have block an inquiry with XXXX XXXX. On XX/XX/XXXX I call XXXXXXXX XXXX XXXX as recommended by XXXX to ensure they had not provided any credit. 
I provided the background but here is the reason of my complaint. On XX/XX/XXXX at XXXX I received an e mail from Equifax letting me know that my e mail account had been changed. I called them immediately, as I tried to access my web services with my previous credentials without success, the CSR on the phone help me correct the situation, I question them HOW can it be so easy for anyone to change this type of information, she even provided me the reference of the phone number that called XXXX XXXX XXXX to make the changes. When she reestablished my account I notice that my credit report was unfreeze, so clearly Equifax doesn't have controls to protect our information. They only offer to have better protection was to buy there security services for {$4.00} per month " Good way to force the consumer ". I called Monday XX/XX/XXXX to file a complain and I couldn't because they don't have any records of this situation in their system? really? does this means that Equifax employees and involved in Identify Theft?. It gets better, the fraudulent bank account is not in my report anymore with them, but the bank hasn't clear it yet, how is this possible? I have like XXXX  hard inquiries on this issue that I have dispute more then 3 times on line and over the phone that they reject regardless that I have police reports. The other 2 companies are no different. BTW once I paid for the services, when I call they did now authenticate me with Biometrics and ask for ID. I really need help, I know doing the right thing is never easy, but it shouldn't be this difficult. I have spent more than 40 hours on this issues with all the government agencies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Messerli & Kramer P.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
The creditor I owe ( XXXX XXXX XXXX XXXX XXXX ) was called prior to charge off and told to cease and desist all phone calls but it was made very clear that I wanted letters. It was also made very clear that on both accounts the cease and desist must follow the account when it charges off. on approximately XX/XX/XXXX I called the law office of MESSERLI & KRAMER I talked to the collection department manager XXXX XXXX XXXX I explained that my wife took very il and will not be able to work for some time that's why the accounts were not being paid. I offered to make a very small monthly payment of XXXX a month on each account he told me " there is no way he will agree to terms like that " He placed me on hold came back to the phone and stated " if I have any request send them in writing " then he hung up on me. My complaint is that I never was given the opportunity to dispute the validity of the debts ( the amount owed ). IN the beginning og XX/XX/XXXX I called again I was transferred to the department that handles my accounts when they realized it was me they immediately hung up on me. CLEARLY MY RIGHTS HAVE BEEN VIOLATED. I DID SEND IN WRITTING A REQUEST FOR VALADATION OF THE DEBT 'S NO ONE HAS SENT IN ANY VALADATION! I wish the CFPB would pull the tape recording for all my calls then you will see that I speak the truth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card account with ComenityXXXXXXXX/XXXX XXXX XXXX On XX/XX/2022, I attempted in the morning to make a payment on my All rewards ( XXXX XXXX  ). I tried paying by computer and I also tried calling the phone number on the back of the card, but the system was down. It allowed me to enter all my payment information, but then would say the system was down. I tried doing a live chat with a representative but did not get a response. The strange thing is, it accepted my payment, but days later and I never got a confirmation that it went through. I received my billing statement on XX/XX/2022 and they charged me a {$36.00} late fee!! I have now gone through previous statements and I noticed they have been charging me a late fee almost every month!!! I have literally been trying to reach this company by phone, computer, email anyway I can, but to no avail. I have waited on the phone for customer service and I literally get DISCONNECTED so that I can not talk to anyone in anyway to get this matter resolved and even to close my account. This is definetly fraudulent!!! I am just wanting to speak with someone and it seems it's impossible!! I have never had to do this, but I am very upset with this credit card company and will refuse to ever use this card again nor will I shop at XXXX or any of their affiliate stores EVER!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A creditor is currently reporting incorrect information to Equifax, XXXX, and XXXX credit bureaus. I sent each credit bureau a letter on XX/XX/XXXX disputing the inaccuracies, however, their research into the disputed did not net the results I requested. I asked for original signed documents/applications associated with the account. I also spoke with the original creditor about the error but was ignored. The item shows up as XXXXXXXX XXXX XXXX on my Equifax report, account opened on XX/XX/XXXX ; the item shows up as XXXX on my XXXX report, account opened on XX/XX/XXXX ; and the item shows up as XXXXXXXX on my XXXX report, account opened on XX/XX/XXXX. The company is reporting inaccurate information, as my wife and I did open an account with these companies on XX/XX/XXXX. As such, I've requested signed documentation that XXXX and XXXX XXXX opened an account with each of these companies on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Best Buy issuer, Citi, has not processed my request to obtain a copy of the Card Members Agreement to formally dispute an Adverse Action taken against my Open Credit Line. The bank has misled me with their processes which have led to the not fulfillment of the CMA. Attached is evidence of the above mentioned.

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 2022-07-26
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was contacted via a phone call saying my XXXX XXXX bill was past due and that I needed to make a payment within 45 minutes because there was a crew on the way to shut it off. So, the guy proceeded to tell me I needed to download my banks mobile app and use XXXX from there. I did as I was asked, and made an initial payment of XXXX. He then said I did something wrong and to try again with a different amount so it didn't get flagged by my bank. So I made a payment of XXXX. This time he said I needed to put the " payment ID '' in just as he said it because it's case sensitive. So, i once again made a payment this time for XXXX. After that he said in order to process refunds on the 2 payments that weren't correct I needed to do the same process, so I did. In the amounts of XXXX and XXXX. Each time he gave me some " verification code '' thing to put in the notes. At no point was I asked for a pin, or digital signature from my bank. As soon as I realized I was scammed, which was about a half hour, I called my bank to stop payment on the charges, but was told they couldn't do that. There was no way to stop the charges. Then I was told since it was a third party app, and that I " authorized '' the payments that I wouldn't be covered by fraud protection. The " investigation '', which lasted less than a day before I was mailed a denial on dispute, was not an investigation at all. 

I spent some time reading the Electronic Funds Transfer Act and what happened to me is against federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: ZARVAD III S.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out an online pay day loan of {$500.00} on XX/XX/2019 from Mypaydayloan.com due on XX/XX/2019. I couldn't pay the loan back on that date and called the company on XX/XX/XXXX XXXX to discuss the late payment. I was told that the interest would be {$370.00} ( 75 % ) and would increase substantially after that. I paid it on XX/XX/2019. This appears to be usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Community Cash Management Corp.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I called, they have nothing for XXXX for {$100.00}. 
My accounts are all up to date and they show I have nothing in collections. 
What is this about? 
It should be removed from my report Thank You XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation