BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: Harris & Harris, Ltd.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After I filed a complaint with the CFPB about disagreement with the payment of the debt for the treatment of XXXX XXXX XXXX, a letter was sent from this hospital to my name, in which the representatives of the hospital argued the cost of paying my bill, and provided a copy of Universal Consent. Disagree with the provided answer. I consider the Universal Consent to be invalid and incorrectly filled out. In addition, I do not agree with the prices for my treatment and the arguments for justifying the prices. Below I will justify my claims and objections. 
I consider the Universal Consent to be invalid and incorrectly filled out. 
1. The copy of Universal Consent provided to me lists XXXX XXXX XXXX XXXX on the title page. The collection of my debt has been passed on to collectors at Harris & Harris , Ltd . According to a letter from Harris & Harris , Ltd., I am being charged by XXXX XXXX XXXX. 
This hospital is in the list of XXXX XXXX hospitals, however, the XXXX XXXX XXXX XXXX is ticked. 
2. When filling out the title page of Universal Consent, it is necessary to fill in the lines by hand, where all the data will be indicated with a full transcript : patient name, date of service, MRN, DOB. 
Neither my name, nor the date of filling out the form, nor the MRN is SPECIFIED!!! In the upper right corner of the agreement, only my account number, my first name, last name and my date of birth are printed on the computer. 
3. On the second page of the Universal Consent, in the signature of patient or authorized person line, the date of my signature is not in my hand ( I did not write it ) 4. In the line signature of witness, there is a signature of the witness without decoding his full data.

Apart from this, I have not seen any witness and do not know My disagreement with the prices of treatment and arguments for justifying prices. 

Based on the response provided, I am invited to familiarize myself with the prices for treatment displayed on the TRANSPARENT PRICING & FREQUENT ESTIMATE REQUESTS | XXXX 
I visited this site and I want to say the following 1. Prices on the website TRANSPARENT PRICING & FREQUENT ESTIMATE REQUESTS | XXXX. are as of XX/XX/XXXX. Due to high inflation and price increases, the cost of my treatment must be calculated at the time of my treatment, that is, on XX/XX/XXXX 2. In order to find out the cost of hospital services, you need to register on the site, provide all my data ( where I work, my SNN, my insurance company ). What's this? I, with a XXXX XXXX XXXX XXXX  XXXX, should have looked at the prices on the hospital 's website? 
3. The site XXXX is a public site. Prices for drugs and medical services are billed as an average of the cost in the whole country and the state of Illinois Based on the foregoing, I consider the Universal Consent to be invalid and incorrectly filled out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Contacted company to close account because of the poor customer service. Paid the amount given my the customer agent I talked to. I was told that I owed nothing else and was paid in full. This happened in XX/XX/2022. In XXXX I was notified of a late payment on my credit for {$6.00} plus a late fee. How can I charged a late fee and have a late payment on an account that was closed months ago? For {$2.00}? I contacted the company to file a formal complaint and have not heard anything. This has to be against the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
td XXXX responded to the complaint. 
td bank hasnt responded to the compalint. 
the complaint is about td bank and the reversal of 2 deposits that should have been on the card 2 months ago. 

The complaint is not about td XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 2023-05-09
Company: TD BANK US HOLDING COMPANY
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: Old information reappears or never goes away

Complaint:
This account was a Charge off account, and it was opened in 2016 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I must get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. This keeps showing in my report it's supposed to drop off after 7 years. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions 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:
I have collections on my account that shouldnt be there. I have contacted them several times to remove the incorrect items because it is hindering my life but I Havent had a response yet. I havent received any documentation in writing about any of theses accounts and I dont know what they are. They should be removed.

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 2023-05-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: JPMORGAN CHASE & CO.
State: OR
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/XXXX I woke up to pay rent. To find my checking account. And savings account at XXXX. Theres a hold on both account and a transfer in process. In the amount of XXXX. To XXXX XXXX child support services. A levy the bank said was placed on account ( s ) checking and savings accounts. 
I immediately went to bank to ask questions for them to give me a number and tell me theres nothing they can do. I stated this transaction is fraud. No bank or lender or agency can access my account or drain it leaving me and my kids with XXXX dollars on the day rents due. I attempted to report fraud. For my payment ARE arranged and taken out my checks for child support. Then found out they advertise fraud services online and the form to fill out, but it does not exist. Therefore now I can not file fraud in a timely manner. This also is fraud. 
So my consumer rights have been violated. And to my understand. These accounts are not real. My checking account doesnt allow checks or a lot of things for they say its not a checking account. Please assist me. I would like my money returned. I never authorized or sighned any contracts with anyone ever to access my account or withdrawal or transfer money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2023-05-09
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
This account was a Charge off account, and it was opened in 2016 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I must get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. This keeps showing in my report it's supposed to drop off after 7 years.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

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 2023-05-09
Company: DISCOVER BANK
State: NY
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:
Since XX/XX/XXXX every 7 days someone been trying to open a credit card, checking and online account in my name at discover credit card. Since XX/XX/XXXX to XX/XX/XXXX they try XXXX times. I spoke to a fraud representative at discover, XXXX XXXX and XXXX XXXX XXXX  bank card and they are looking into the situation and also put an alert on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Carvana Group, LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
We purchased a car with Carvana on XX/XX/XXXX. We had outside financing and decided to increase the downpayment to them. Because of that, we just paid the downpayment to our lender and the lender cut Carvana a check for the full purchase price of the vehicle. Carvana still took the original downpayment amount out of our account using the ACH form. Carvana received the full purchase price plus the amount of our original downpayment. We have followed up with Carvana three times since then and they keep saying that we're in line to get reimbursed. We have not yet received the reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: M&T BANK CORPORATION
State: NY
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:
Since XX/XX/XXXX every 7 days someone been trying to open a credit card, checking and online account in my name at XXXX credit card. Since XX/XX/XXXX to XX/XX/XXXX they try 16 times. I spoke to a fraud representative at discover, XXXX XXXX and m & t bank card and they are looking into the situation and also put an alert on my name.

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 2023-05-09
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Since XX/XX/XXXX every 7 days someone been trying to open a credit card, checking and online account in my name at discover credit card. Since XX/XX/XXXX to XX/XX/XXXX they try 16 times. I spoke to a fraud representative at discover, America express and XXXX XXXX XXXX bank card and they are looking into the situation and also put an alert on my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my home XX/XX/XXXX. The closing attorney sent the funds to XXXX XXXX  who our mortgage was with. During the days of closing on our refinance with XXXX XXXX and the attorney sending the funds, XXXX sold our mortgage off to Mr Cooper. The closing attorney sent funds to XXXX who in return wired the money to Mr Cooper. The day I asked for a wire tracking number, XXXX was able to provide me one. XXXX wired the funds to Mr Cooper on XX/XX/XXXX. 

XXXX forwarded me this email Payoff Statement Quote : XXXX by XX/XX/XXXX Per diem XXXX Wire Received XXXX on XXXX at XXXX Difference : XXXX / XXXX = 4 days less than the quote. 
Good through XXXX minus 4 days allows for XX/XX/XXXX as a posting date. 

Mr. Cooper claims the funds were short and sent the money back on XX/XX/XXXX. I haver called Mr Cooper multiple times asking for a wire tracking number. Mr Cooper told me they wired the funds to the closing attorney, I called the attorney and they confirmed they have not received them. I had someone call and ask where the funds were sent and to check if they were sent to me or XXXX. I have not received the funds and neither has XXXX. Every time I call Mr Cooper and ask for a wire tracking number no one can provide me one and tell me someone from accounting will call me back and they never do. I call weekly ( 1-2 times per week ) and ask for a wire tracking number because no one can tell me where $ XXXX was sent. Now because the loan is considered in bad standing we have received letters from an attorney saying our home will be a foreclosure sale soon. Mr Cooper claims they have wired money and can not provide a wire tracking number, nor can their employees tell me where the money was sent. They asked me if I knew where it was or told me it was sent to places and it hasn't been sent. So either they haven't sent the money like they claim they have or they have wired $ XXXX to someone and they have no clue of who they sent it to. I don't understand how in todays age of technology no one at this company can tell me where this money was sent or provide me with a tracking number and I am continuing to get threatened with a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: CO
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:
To may whom concern I have requested to all three credit bureaus my credit report, and I found inconsistencies in my reports so I asked to initiate investigations and disputes against this inconsistencies however, after the investigation state stated everything was accurate. I still went ahead and continue to investigate myself and I still see this inconsistencies on my credit report. Even after their terral research. 

In accordance with fair credit reporting act all of these inconsistencies, has violated my rights 15 U S C 1681 section 602 states that I have the right to privacy 15 15 U S C 1681 section 604 A Section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : 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 2023-05-09
Company: Bridgecrest Acceptance Corporation
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My auto loan is through Bridgecrest and I do not receive monthly statements, only " recent activity '' is shown on my account. Recently I noticed that my payoff number, for my car, is {$2000.00} higher than a week prior! However, since they refuse to send actual statements, I have no idea why this happened.

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 2023-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
account no XXXX XXXX XXXX XXXX ( {$10000.00} ) Someone opened this account a long time ago, I called the company that this is identity fraud. They did not respond yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 consistently paid this account on time, and the presence of an inaccurate late payment is causing me XXXX XXXX. I am unable to XXXX XXXX due to this issue. Please promptly update my account and remove any incorrect information to XXXX XXXX XXXX. I am begging you to take action 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 2023-01-10
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Yes my name is XXXX XXXX I saw a article online about XXXX  credit acceptance this is where I got my loan from for a XXXX XXXX XXXX the price for the car was XXXX XXXX monthly payments was XXXX I never really understood the agreement in was just so excited to get a car my girlfriend co signed I really didnt know this car would hurt me financially with the payments & interest tax it hurts me with hardship in yes its the same loan company credit acceptance I co signed for a Friend in he pays XXXX XXXX  month its just ridiculous his name is XXXX XXXX I co signed for him in its bad cause he cant even refinance this will make a person XXXX XXXX or look to XXXX  activity because its like weight on my shoulders I cant get off

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 2022-11-13
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I received a letter from Capital One Auto Finance XX/XX/2023 for a loan for 72 months, monthly payments {$670.00} and first payment due XX/XX/2023. I reached out to Cap One on XXXX and had to leave a message. I waited the XXXX hours it said but no one called me back. On XXXX someone reached out to me to let me know that I needed to fill out some documents and file a police report before they would start an investigation. They will not accept the documents via email. They will only accept them via fax or regular mail. This loan was taken out in XXXX, and I have lived in southern Indiana over 30 years. I feel as if Capital One did not do their due diligence at the time this loan was given for proof of identification.

Company response to consumer: Closed with non-monetary relief