BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-16
Company: Computer Credit, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Saturday XXXX XXXX 2015 I received letter from collection agency that I owe {$130.00} to XXXX. I did not received any warnings from XXXX regarding any financial responsibility. 
On the following Monday I called them XXXX times, I spoke with XXXX representatives and manager. I was told that my balance is {$0.00} and I did not hear any apologies. 
On Wednesday I received letter from XXXX stating that my balance is {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
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:
I am filing a formal complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX NV ). I recently went to purchase a vehicle and the dealer XXXX XXXX ( XXXX, FL ) ran my credit and informed me that the above creditor stated that I had an account with them and reported to the Credit Bureaus that it was in collection. Because of this, my dad had to co-sign my loan and pay a higher interest rate because this reported collection impacted my credit score to the point that I could not obtain credit in my name. I contacted this company on two occasions and found that neither parties are associated with the above company ( XXXX XXXX XXXX ) and XXXX reviews shows it is a scam company. I contacted Equifax and they researched the information and stated that they would not remove it. I have never had credit with the above company and it is apparent that Equifax is also not assisting me. My complain is that the creditor ( XXXX XXXX XXXX ) and Equifax are reporting mis-information and are failing to act on my behalf which has cost me additional interest on my loan and impairs my ability to get credit lended to me in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt is not mine. I spoke to the billing department and I do n't owe anything. Never been to this hospital. There is no medical record of the date and service that the collection is for. I never lived in the address that the collection has on file. This collection is invalid or another person did it not me. I have medical insurance there is no way I would a have a bill like this.

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 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Writing to this company last XX/XX/XXXX is not useful. I have disputed several items incorrectly reported on my credit report. The item such as Bankruptcy which I verified with the court has been dismissed last XX/XX/XXXX and this company claims it was verified. This must be taken care immediately. Alo, there are still items listed on the attached copy of the letter I sent this company that is reporting inaccurate and incorrect pieces of information such as the highest balance, account opened date, status, payment history which does n't seem to have been investigated. There is also item such XXXX XXXX which has been removed by the other bureaus and this company refuses to remove.

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 2017-01-30
Company: Central Portfolio Control Inc.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company started calling me about a debt from XXXX of 2015. I said all those bills were paid and the lady was very rude twisting my words and saying I was refusing to pay and being deceptive and uncooperative. I told her I needed something in writing, this was the first I 'd heard any bills were unpaid in over XXXX and I was n't going to pay some random person over the phone. I needed something in writing with dates, service provided, costs, etc. She said a letter was mailed a few weeks back and months later I still have no letter, I 've asked her and her supervisor to send me something in writing and I 've never received anything. She calls my work and my cell constantly and is very rude. If this is a legit company, then they should be able to mail me something in writing. And if not, then they need to stop calling. If I owed anything back in 2015, would n't the hospital have called me? There are too many scams out there to give a company I 've never heard of my credit card information for a bill I do n't know about, especially when they refuse to send me anything in writing.

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 2016-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
I had a Kohls charge card account. I called them in XX/XX/XXXX to ask them what my balance was so I could pay it off in full as I was going to be working abroad for a few months. I paid off the amount they provided to me, but turns out while I was away, there was an unpaid balance of {$20.00} which with interest and all had gotten to XXXX . I tried to explain the situation and also requested transcripts of the call which I had to show that they had assured me that there was no balance but they refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not received paperwork/a contract from this business who is attempting to collect an alleged debt from me. I sent a letter on XXXX XXXX, XXXX and requested a validation of an alleged debt in the amount of {$720.00} to World Acceptance Corporation to no avail. In the letter, I requested the agreement bearing my signature stating that I agreed to assume the debt, the agreement stating the amount of said debt along with any accrued interest, as well as complete payment history for the debt allegedly belonging to me. In addition, I also included in the letter the account number tied to this debt that shows on my credit reports. I find that the response that I received from World Acceptance Corporation is unacceptable, and I believe the response to be a stall tactic. Validation of a debt is forwarding copies of the actual proof of the alleged debt and account in my name with my approval or signed statement of contract with the service per FDCPA. The response that I received from the creditor, World Acceptance Corporation, for validation was considered " frivolous '' in their words. I am dismayed that my concern for my credit, as important as it is, is considered frivolous by this company. It is my right, by law, to have any debt reported on my credit validated. I have provided World Acceptance Corporation with the account number which they themselves reported to the credit bureaus, and they still seem unwilling and/or unable to to validate this debt that I allegedly owe. This collection is a stumbling block on XXXX XXXX to homeownership. Considering that this business does not have a contract with me for goods or services they allegedly provided nor have they provided adequate proof, I am pleading to have this item deleted off of all of my credit reports in fairness of my rights with the laws and regulations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am writing in hopes of assistance with an issue with transunion credit reporting agency. I have been disputing wrong information that is reporting on my credit report and getting no where with this credit reporting agency. My first complaint is transunion will not remove a loan that is reporting with XXXX that I do not owe. It is showing a balance of {$860.00} it is showing open/collection/charge off. I received a letter last week telling me that they will not re-investigate this anymore for me. This is a violation of my rights that they are reporting inaccurate information which is affecting my credit. My next complaint is I have been disputing XXXX in the amount of {$4800.00} which again I do not owe. This was paid in full when I turned in my lease. It is reporting my new lease payment which is correct but then showing a monthly payment of {$4800.00}. Common sense shows that a auto payment can not be {$4800.00} per month. I have disputed this with transunion and they keep responding it has been verified. I also contacted XXXX and was told that I have a XXXX balance as my old loan was paid off in full with no late payments. Another complaint I have is my XXXX account which is also paid off to a XXXX balance is still reporting a balance of {$120.00}. I contacted XXXX and was told they have contacted the credit reporting agency and verified that I have a XXXX balance on my account. Transunion responds the balance of XXXX is correct. This shows me that they are not doing a valid investigation. My credit score is low due to wrong information that transunion is refusing to correct. I am about to obtain legal advise as I have been dealing with this for months now trying to correct my report. Transunion also agreed to remove some of the XXXX remarks they are reporting which again is affecting my credit score. To date they still did not remove any remarks. I questioned why they keep reporting negative remarks on accounts that are current ... .paid ... .or closed? ... ... I am very fustrated as they are affecting me in obtaining substantial credit when they refuse to fix my report. I also have been disputing in public records XXXX tax liens that are paid in full. In essence there was only XXXX tax lien ... .not XXXX ... ..and it was to be removed from public records. XXXX and XXXX has removed them as it was deemed to do so but transunion just keeps telling me it 's been verified. Yes I had XXXX tax lien that is paid in full but it is suppose to be removed from my credit report. Transunion is a horrible credit reporting agency and they have no right to report wrong information about my credit worthiness.

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 2017-10-10
Company: CAINE & WEINER COMPANY, 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:
I have been fight with the credit reporting agency for all three XXXX XXXX and XXXX for about 8 years i have been a victim of identity theft. they removed it once and then put if back on my report. i have filed police reports as well over and over again. there are 4 items. there is a new one and i called them and explained that i do n't know who they are i dont have any credit with them its a law office and they keep robo calling me and will not remove from my report and threatening to keeping adding it on my report .i all ready have a duplicate from them now. there 's a bankruptcy on my report that i never had

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Vital Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I get a call from Vital Recovery every day. The number is XXXX. They are trying to collect a debt from XXXX XXXX. There is no XXXX XXXX associated with my phone number. I have repeatedly told everyone who calls to remove my number because there is no XXXX XXXX at my number. Still the calls continue literally EVERY day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
After graduating I had family issues and was n't able to start paying on my loans. Then I had XXXX and was out of work. I was told to go in forbearance every time I could n't afford to pay and after my forbearance ran out I was told to defer my loans. However, no one ever asked if I could afford to pay something that I was able to at that time. I now have all of this accrued interest which is insane. I get another call from Navient telling me my loan is past due. NOW they are willing to do an IDR?????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
disputed to Trans union on XXXX/XXXX/XXXX XXXX account remaining on report as open. Account was paid XXXX/XXXX/XXXX. Trans union replied XXXX/XXXX/XXXX in one section on XXXX dispute page marked closed however were it was prior on credit report after the dispute marked paid XXXX balance now the credit report is marked it open and the balance that was due on XXXX/XXXX/XXXX. I called trans union today they claim no prior dispute. I asked if there is no prior dispute how would I have a File # for a prior dispute. As you can see they are sloppy at best. Now my report is a mess and they seem unable to figure out what they are doing.

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 2023-05-22
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Address isnt right like XXXX times on my credit report its close, but it is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
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:
Writing to this company last XXXX XXXX, 2017 is not useful. I have disputed several items incorrectly reported on my credit report. The item such as Bankruptcy which I verified with the court has been dismissed last XXXX XXXX and this company claims it was verified. This must be taken care immediately. Alo, there are still items listed on the attached copy of the letter I sent this company that is reporting inaccurate and incorrect pieces of information such as the highest balance, account opened date, status, payment history which does n't seem to have been investigated.

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 2017-01-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this items several times with Equifax. To date, Equifax states that the item is valid and it remains on my credit report. However, neither Equifax nor the debt collection company ( XXXX XXXX XXXX ) have provided any documentation whatsoever that proves ( 1 ) the debt is valid and ( 2 ) the debt is mine. I HEREBY STATE THAT THIS DEBT IS NOT MINE, AND IT SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen holds the primary loan on my investment property. There is an impound account for taxes and insurance. Ocwen pays the insurance late every year. Every year, I get a letter from the insurance company threatening to cancel my insurance. This year, my insurance got cancelled, exposing me to potential liabilities of XXXX of dollars. Ocwen also sent me a letter saying they were going to buy insurance on my behalf and charge me for it. They did not tell me how much they were going to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
A wire transfer of XXXX from a XXXX Bank to 5/3rd bank in XXXX Kentucky was initiated on on XXXX. A typographical error caused the transfer to be rejected. The teller at 5/3rd bank, XXXX XXXX XXXX, was placed in direct contact with the XXXX Bank. XXXX XXXX instructed the XXXX institution on the exact name of the bank and routing numbers to use in the second attempt at the XXXX wire transfer which was placed on XXXX. The information provided by XXXX XXXX resulted in the monies being routed over an intermediary bank, XXXX XXXX. The wire transfer failed and a subsequent Federal Reserve investigation ( attached ) revealed 5/3rd rejected the transfer due to 5/3rd as " XXXX - No Account / Unable to locate Account ''. On XXXX XXXX was returned to the XXXX account after the failed transfer. A third attempt at the transfer with the exact same information resulted in a successful transfer. 

5/3rd was contacted via telephone to understand why a difference of XXXX was returned. The customer service agents hung-up on three consecutive phone calls. On the fourth phone call, a customer service representative named XXXX XXXX asked if I was familiar with wire transfer fees. When I responded affirmatively she tried to explain that the difference was a fee. When I pointed out that a {$750.00} fee for an unsuccessful transfer was a bit outrageous, she terminated the phone call. 

Multiple contacts with XXXX and her manager XXXX XXXX, XXXX at 5/3rd in XXXX, Kentucky resulted in not further information or resolution. An inquiry was started with XXXX XXXX with XXXX XXXX XXXX. After 1 month of seeking resolution, 5/3rd and XXXX XXXX became unresponsive and did not return phone calls or seek further resolution. The XXXX institution also attempted to contact XXXX XXXX XXXX, but he was unresponsive to their attempts at contact, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
II  reviewed my credit report and observed Enhanced Recovery conducted an un authorized inquiry to my credit report. I filed a complaint regarding an alleged debt that Enhanced Recovery was trying to collect and Enhanced Recovery withdrew there attempt of trying to collect money I did not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My minor son purchased XXXX car doors for his car over the internet using my Capital One credit card. The doors were supposed to be ready to install and cost {$1000.00}. His installer received the doors and immediately contacted my son and told him the doors would take hundreds of dollars to make ready for installation. Capital One initially refunded the amount. We sent them a letter from the installer saying the doors were not the right color or condition. We sent pictures of the doors also showing they were the wrong color, dented, scratched, and water damaged. There were miscommunications and we had to resend. Then they sided with the merchant for unspecified reasons and rebilled the {$1000.00} on my credit card. I closed the account and paid it off to protect my credit score which is currently over XXXX.

Company response to consumer: Closed with monetary relief