BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-21
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
For medical services rendered on behalf of my daughter in XXXX XXXX, I gave XXXX XXXX XXXX in XXXX, Illinois my insurance card so they could submit the claim to the insurance company. They apparently entered the insurance information inaccurately, and insurance coverage was initially denied due to the hospital providing the wrong policy number. When I discovered in XXXX XXXX that I was being billed for the full amount of {$4800.00} ( an outrageous amount for a XXXX, but that is another issue ), I contacted the hospital to determine why I was being billed for the full amount and why insurance had n't covered some portion of it. I once again gave them my correct insurance information, and they advised me they would take care of resubmitting the claim to the insurance company and would resubmit a new bill to me once my medical insurance had been properly submitted. Instead of receiving a corrected bill, within two months, I began receiving harassing notices and calls from a collection agency for the full amount of {$4800.00}, so I contacted the hospital again. I once again explained the situation, asked them to resubmit the claim to the insurance company, and asked them to contact their collection agency and remove the claim from collections and to contact any other credit reporting agencies to which the information was sent that may affect my credit score. Long story short, none of this ever happened. I have contacted the hospital four separate times about this, and each time I was assured the problem would be addressed. I also have explained the problem to the collection agency ( Harris & Harris ), and they say they can do nothing about it. Today I received another harassing call from the collection agency, so I contacted the hospital yet again. They advised me for the first time that they finally have received reimbursement from the health insurance company, reducing the balance due to {$430.00}. I advised them that I would be happy to pay that amount in full, but I needed them to contact their collection agency and the credit reporting agencies to fix their mess so my credit score would not be affected. Despite having never received a corrected bill showing the new amount, I did pay the {$430.00} in full over the phone. Nevertheless, the hospital 's account personnel advise me they can do nothing about their collection agency and my credit score even though it was entirely their fault. Please let me know what can be done to remedy this situation. Should I file a claim? Given the amount of trouble and harassment I had to endure combined with the damage to my credit score that the hospital tells me they will do nothing to remedy, I believe I am entitled to statutory and compensatory damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
n accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX  BANK XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A.states i have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions this is stopping me from getting an apartment, job an continuing my life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -ACCOUNT # XXXX - DATE OPEN XX/XX/2022 - ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING XXXX ACCOUNT HAS VIOLATED MY RIGHTS. 

-15 U.S.C 1681 SECTION 602A. STATES I HAVE RIGHTS TO PRIVACY.

-15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATESA CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WIHTOUT MY WRITTEN INSTRUCTIONS.

-15 U.S.C 166b A CREDITOR MAY NOT TREAT A PAYMENT OR PAYMENTS ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Aargon Agency, Inc.
State: WV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
aargon agency and another agency ha s same debt listed on same credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
On XXXX XXXX, 2017, I went to the local branch of Bank of America in XXXX, NJ, to make a payment on my credit card. I was told to use the Bank of America ATM located there. I inserted the money, {$730.00} in cash, and attempted to make a payment, when the machine came up with an error notice and informed me that my cash would be returned. A few seconds later, another error came up on the screen that said, '' unable to return your money ''. It then printed out a receipt with a contact number for me to call. I went up and spoke to a teller who told me the money would be found that night when the ATM was opened. I then proceeded to call the number listed and was told that there would be a credit within 48 hours to my account for this money. After 48 hours, there was still no credit. We called again and were told it would take seven days. After seven days, I still had not received the money or a credit to my account, so I again called and was informed that I would n't be getting the money back, it was n't their problem, and I was on my own. When I asked about interest fees and my credit report, I was told it was n't their problem. I called the local bank manager, and he gave me another story. He told me that the money would be credited since they found it, and they would take care of any fees associated with it, credit issues, etc. but to give him another few days for it to be done. On Monday, XX/XX/XXXX, I received a call from the bank manager, XXXX, again. He told me that everything was taken care of, and the credit would appear on the account within 24 to 48 hours. I waited until Friday, XX/XX/XXXX, and the credit still had not shown up. When I called up today, XX/XX/XXXX, I  was told that I had no right to be upset or worried, and that the credit would show up, but for now, there is no timeframe for it to happen.

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 monetary relief
Consumer complaint received 2016-06-02
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collector requested money not owed and threatened to report the false debt to the credit bureaus. There is no debt! Medical bills were filed with XXXX and my XXXX XXXX and payment was rendered. Furthermore, I received nothing regarding the bills from the hospital that turned me over to the collection company. To resolve the issue, I had to spend time to find my XXXX and then fax the information to the debt collector. The girl I spoke with told me to find the information to prove to her there was no debt She stated that she could file an insurance claim if the claim had not been filed and she could receive the payment, yet she could not check with the insurance company herself to see that there was a claim. I do n't understand how she can get money, but ca n't get information from my insurance company! This is wrong!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
n accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX XXXX XXXX  BANK XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A.states i have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions this is stopping me from getting an apartment, job an continuing my life

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 2022-07-18
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
To whom it may concern : I've requested a few times and spent over 8 hours on the phone waiting to get an answer from the underwriting team at American Express in regards to the platinum card. According to 15 USC 1602p this counts as " unauthorized use '' since I have not received any benefits but my credit was accessed. I am a natural person who is a creditor. 15 USC 1602 Definitions of Rule and Construction is where I'm getting the basis of this complaint from.

( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. 
( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card. 
( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Account Recovery Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recived XXXX separate collection agency letters from the same company regarding the same account with XXXX separate balances. I feel this is a thwarted attempt by a company to collect multiple times on the same account for a debt that was written off in which I requested validation of the debt from the original creditor as well as an agreement with my signature binding me to the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity systems have been down for weeks. I havent been able to make any payment with them because of this mess. Their phone lines dont work, easy pay doesnt work, their regular payment system doesnt work. They hit me with a late fee and have started blowing up my phone with suspicious phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
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:
On XX/XX/21, an email was sent to portfolio recovery services to validate a debt that I have been disputing. They sent me a letter declining to validate the debt altoge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
On XX/XX/2019, a debt validation letter was delivered to Portfolio recovery associates ( as to validate an account reporting on my report. Their 30 days investigation would have ended XX/XX/2019. I have retained a copy of my credit report that shows that they have failed to report to the credit bureau up to 90 days. Therefore they are in violation for .Defamation .Negligent Enablement of Identity Fraud .Violation of the Fair Debt Collection Practices Acts ( including but not limited to Section 807-8 )  .Violation of the Fair Credit Reporting Acts ( including but not limited to Section 623-b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10
Company: CITIBANK, N.A.
State: TN
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 submitted disputes to XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue XXXX XXXX XXXX because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Convergent Accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
We had a mortgage with Countrywide. It was later taken over by Bank of America. During the mortgage meltdown we started a home modification with B of A. They set up the payment schedule and contract which we agreed to. We thought that what we had entered into was the actual modification. We were later told that it was only the pre- modification and that if we made our payments on time then they would proceed with the Home Modification. They tried, with every trick in their book, to make us fail during this period. When we did n't fail they had no choice but to put us into a regular Home Modification Program. Here 's where the problem lays. Between the pretrial and the actual modification B of A tried to accelerate a foreclosure on our property. We started getting foreclose notices stating that XXXX XXXX was selling our property. We had real estate people knocking on our door. We had to fight with B of A to get this situation cleared up. The OCC went after them. We received a small settlement for our troubles. That brings us to the problem that is still existing. We went to refinance out house and this is still showing up in our credit report. I would like them to resolve this situation once and for all.

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 2016-08-16
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My total monthly payments are not accounted for towards the overall total amount I owe. I make a $ XXXX monthly payment, but the overall total amount is only {$300.00} ( give or take ) less from the previous month. When I called the debt collection agency ( EOS CCA ), I was informed that once my payment is made, the payments are directed to XXXX to be allocated amongst the loans and that XXXX is probably charging an additional 7 % daily interest rate ( yes, a 7 % additional daily interest rate ). When I called XXXX to verify how XXXX is allocating the monthly payments made, as well as, if XXXX was in fact collecting an additional 7 % interest on my overall amount. XXXX informed me that any questions that I had regarding my debt and how the payments were split among each loan, would need to be addressed with EOS CCA, because EOS CCA handles all the payments. XXXX informed me that they only receive a monthly statement of the overall loan. 

In XXXX XXXX, I requested from EOS CCA to send me an overall payment history from XXXX. The total amount of payments I had made up to XXXX XXXX, amounted to {$59000.00}. I was never given an overall total amount when I first was placed in collections, however, I believe the overall total amount that I owed was {$130000.00} ( give or take ). As of XXXX XXXX, even with my total overall payments from XXXX XXXX XXXX amounting to {$59000.00}, the overall total amount that was owed as of XXXX XXXX was {$100000.00}, which means only about {$24000.00} has been put into my total overall amount owed. 

When I had asked EOS CCA where the remaining {$34000.00} was and why all of the monthly payments was not fully accounted for, that is when EOS CCA referred me to XXXX and XXXX referred me to EOS CCA. 

Just as an FYI, I have kept every monthly payment reminder that I receive since being placed in collections ( except from XXXX XXXX XXXX which those payment reminders have been lost ). In XXXX XXXX, EOS CCA started to include the overall total amount that I owe, with a breakdown of each individual loan principal amount, individual interest, individual collection fee, and individual overall balance, which amounts to the total overall amount of what I owe for everything. Aside from that, there is no other documentation or summary that may explain where the remainder of my monthly payments are being distributed into.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: First Associates Loan Servicing LLC
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Good Afternoon, I graduated from  XXXX   XXXX  in      XXXX   2 011    . About 6 months to a year afterwards I start receiving calls from a company called  XXXX  ' who at the time I thought was a branch of  XXXX  or  XXXX   XXXX   . I   may  have given them some  XXXX  which led me to call the  XXXX  all to be advised that they were a separate entity.     I need support due to the fact that I never authorized  XXXX   XXXX  to take Private loans out in my name. Nor was I aware that these loans were activated under my name or that they were even private.      XXXX   XXXX  reps filled out our FASFA, only time that I signed papers was to confirm that I was taking classes and to maybe to complete the actual FASFA process.     I would have Never taken out private loans.  XXXX   XXXX  as really messed me over and I need help getting out of this financial rut for choosing the incorrect school that in the end took advantage of me and what sounds like a lot others in the process.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation