BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-13
Company: HCFS Healthcare Financial Services of TeamHealth
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:
HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.

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 2015-08-15
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had football insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the ER and on their constant harassing and threatening phone calls, to no avail. I am now a 100 % XXXX veteran living off of XXXX and declared " unemployable '' XXXX. 
XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX They dismissed XXXX accounts and not a XXXX one. This is very disturbing to me. I have a XXXX XXXX XXXX as well as XXXX and this does not help XXXX. 
During hurricane XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am being charged for a product I did not receive nor want. XXXX XXXX at XXXX XXXX, Ohio. XXXX XXXX XXXX and XXXX XXXX XXXX are the companies used to finance the dental work. XXXX XXXX agreed to bill me a total of {$6500.00}. The cost of the dentures I have been asking them to cancel are Full upper dentures {$1400.00}, lower dentures are {$700.00}. I have the account detail. I agreed to pay all other fees. So far XXXX XXXX has refunded {$500.00}. Then yesterday I received a letter which reads XXXX first is refunding {$650.00}. The latter amount has not yet appeared on the account. The total amount XXXX XXXX   should credit is {$2100.00}. This is XXXX + $ XXXX {$2100.00}. So far all that has been credited is {$500.00}. If and when I see a credit for {$650.00} the only amount left is a credit for {$960.00}. Then this will be resolved. I have been a victim of Elder Abuse. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing or XXXX. 

My mortgage was due to mature on XX/XX/XXXX. I asked several times for the procedure and what to expect. However, all I got was some confusing responses. I ended up getting a payoff amount from their website and making the final payment on XX/XX/XXXX. They had no problem taking my money but for some reason the website says un-applied payment. Plus it shows I still have a balance. I sent them another email but I have yet to receive a response. 
Finally, their website says I have a payment due XX/XX/XXXX. I don't want to be penalized or anything because I already paid off my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Remitly, Inc.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They bank took over access to my funds and asked me to provide proof for the source of funds. My new deposits did not show up in my account causing confusion and my account is still frozen after promptly providing the requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Harris & Harris, Ltd.
State: OH
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:
In Accordance with the fair credit reporting act XXXXt account number 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems has been attempting to collect a debt from me for an account that they claim was sent to them from XXXX XXXX XXXX. It has been several years since I ended my account with XXXX XXXX XXXX and it was never delinquent. When I canceled the account and closed it, my balance was XXXX. Now 3 years later I am receiving collections calls at all hours of the day and night and it has been added to my credit report. When I disputed it on my credit report, IC Systems then added a second account, also with XXXX XXXX XXXX. I feel like I am being unfairly targeted and their collection tactics seem very odd. I have now disputed both accounts but I am concerned that they will retaliate further. Whatever debt they are collecting, does not belong to me.

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 2022-11-10
Company: KEYCORP
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went to a KeyBank branch to initiate a bank wire to pay for products for my business. Because of a bank error the funds were never sent and they have cost me thousands of dollars to fix the banks error. They admitted that the problem was their fault but have taken XXXX action to fix the problem. The manager of KeyBank has been ignoring me and will not return my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: WELLS FARGO & COMPANY
State: TX
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:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm XXXX I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, 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 2016-01-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/XXXX I opened and a SECURED self-funded credit card with {$400.00} at a Wells Fargo Bank. I never used the card. I did pay the annual {$25.00} fee. On XXXX/XXXX/XXXX I phoned Wells Fargo and cancelled the card. It was agreed that I had never used the card and had authorized no recurring charges to occur on the card. The balance ( minus the annual fee ) was intact. I was told that it would take 45 to 60 to release my money. I find the 45-60 day delay in refunding me unacceptable as the card was immediately voided and as it was a secured self-funded credit card had no liability to Wells Fargo Bank ever. Wells Fargo 's written terms for holding the the balance states it is " to cover transactions that may be posted to the credit card account after it is closed '' which makes no sense. 

I would appreciate CFPB to investigate this practice at Wells Fargo bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Here is a brief recap of an issue that has been going on since XXXX XXXX XXXX mom and dad are XXXX year long wells fargo customers with XXXX accounts at wells fargo. 
My mom died in late XXXX XXXX. Wells fargo was notified in early XXXX XXXX. 
My dad has been incapacitated/incompetent since XXXX. He has XXXX, XXXX with XXXX, XXXX, XXXX. My dad was in a XXXX XXXX unit from XXXX XXXX to XXXX XXXX. My dad is currently in XXXX XXXX and needs help with all daily activities. My dad is not mobile and can not come into a branch. He is not able to execute a new power of attorney. 
My dad executed a Durable Power of Attorney in XXXX signed by XXXX witnesses. This is legally valid in CA. 
Wells Fargo refuses to recognize the DPOA and refuses to add me to all of their bank accounts. My dad can not and has not done any banking activities since XXXX. 
I need to be added to my parents accounts per the power of attorney to pay their federal taxes, pay my dads outstanding medical and other bills, pay for house repairs such as a new roof, electrical, plumbing, etc., and pay for my dads private pay XXXX XXXX costs that will hit in XXXX XXXX. 
I have gone through Wells Fargos local branch personal banker, local branch manager, district manager, legal department, beneficiary department, social care team, resolution team, and emailed all executives I could find. I have no choice but to file this complaint. 
My mom executed a Transfer on Death form with Wells Fargo - the branch provided her the form shortly before her death. It was not able to be filed as she was hospitalized/died a few days after executing the form. Wells Fargo now claims she used the wrong form. However, Wells Fargo GAVE her the form. 
I have shown Wells Fargo : Original Power of Attorney, My dads original signed social security card, My dads original non expired photo military id, My dads drivers license, My dads medical bills and other bills, My dads medical id cards, My moms original will, the Transfer on Death form my mom executed, the original death certificate for my mom, and more. 
On XXXX XXXX, XXXX Wells Fargo District Manager said I would be able to be added to my parents accounts per Wells Fargos legal department ruling. I went into the branch on XXXX XXXX, XXXX to accomplish this. Wells Fargo refused after a discussion with legal. 
As of XXXX XXXX, XXXX, Wells Fargo has refused to recognize the Power of Attorney and has refused to add me to my parents accounts and has refused to give me the Transfer on Death account.

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 2020-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I noticed an authorized charge on my Capital One account by XXXX. I couldnt get a hold of XXXX  for weeks. When I finally got through, they were prying trying to get my email and my address. I didnt provide the info and they wouldnt tell me who and when the charge was made on my account. 
I called my card company, Capital One and notified them I didnt authorize any transaction to XXXX. Capital One never called me to verify if any of the information XXXX  had was accurate. 
Some days ago I got an email from Capital One that their investigation is concluded and XXXX is owed the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt collection showed up on credit report. I contacted the company requesting proof on the debt amount even supplied them with email address to send it to. I still have received nothing not even a bill of any sort and it has been almost 30 days and I just seen where my amount due to them has went up again.

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 2020-11-24
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Fedloan reported delinquency on loan payments by failing to allocate payments correctly. I, the borrower, submitted the required payments as agreed, of which it is solely Fedloans responsibility to allocate the payments to all sequences of loans. Only Fedloan has power to allocate payments. As a Borrower, am can only submit a payment as whole, of which Fedloan segments and allocates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Had recently reviewed my credit report and discovery these account on my credit report. XXXX Open on XXXX in the amount of {$1800.00} and XXXX XXXX XXXX Open XXXX in the amount of {$320.00}. The company state that the debt is mines! HOW? but I was XXXX with XXXX during that time and I received XXXX XXXX at the same time. So I don't recall applying for these account. They are reporting on my credit report from and would like them to be removed as soon as possible please and thank!

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 2020-06-13
Company: ERC
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:
HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE!

THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have 2 accounts from XXXX XXXX medical centers that is a result of improper billing on the hospital 's behalf that I called about prior to getting placed in collections to get corrected. I spoke to several representatives in the hospital billing department and provided them the primary and secondary insurance numerous times which at the time was XXXX XXXX XXXX and South Carolina XXXX as a secondary. My insurances should have been billed properly to cover my medical expenses right then but due to negligence on the hospital 's behalf it was not. Now this item is will a collection agency named XXXX who is credit reporting these accounts. When asked to provide verification and validation of debt I'm was referred back to XXXX XXXX ... I called XXXX XXXX after to speaking to XXXX the aargon agent trying to resolve the account and get the billing error corrected..the billing specialist refers me to SC XXXX to see if they will back bill for the services rendered for these accounts. So I called SC XXXX and spoke to an agent who let me know that they will only back bill up to 1 year only. These accounts are from 2018 so unfortunately I'm in a situation to where I feel like I am being forced to pay for services that should and would have been covered by my insurance at that time. I feel my FCRA rights are being violated by aargon for credit reporting and not providing validation of debt. I'm very familiar with the laws and regulations a of the FDCPA and FCRA and intend to pursue litigation if this account is not removed from my credit 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 2022-01-20
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I noticed few inquires I don't recognize or authorized my information to be used.

Company response to consumer: Closed with explanation