BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-13
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted this agency because they are stating that I owe a balance on behalf of their client. The client ( XXXX XXXX XXXX XXXX ) went out of business. The hospital XXXX XXXX Hospital stated that they have nothing to do with Procollect and do not have a claim against me. I contacted the insurance company ( XXXX ) and they stated that they never received a claim for this alleged bill. I requested the name of the physician who has placed this bill in collections and Procollect would not provide that information. This company will not provide me with the original account information nor will they provide me with an account number. I believe that they are fraudulently trying to collect on old accounts that no longer exist. My name was previously XXXX and when I visited the hospital XXXX/XXXX/2015, I had full insurance through my employer who was XXXX at the time. I have never heard anything about this alleged bill or account until just recently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Procollect Services LLC
State: ND
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I XXXX 2015 we recieved notice from a local collection agency that a garnishment was about to start. We never recieved any bills from this collection agency prior. We never recieved a court summons nor were we served. No serve notice from as sheriff or by certified mail. We were in the dark. 
We took this notice of garnishment to the collection company and were refused copies of a serve notice and refused copies of the bills. We were not permitted to speak with anyone in private over the matter and they made us announce all of our problems to the world at a desk in the lobby. We were belittled by the manager. They have since taken the money as well as more then they were suppose to garnish. And are now holding the overpayment with a threat of not returning it. We have XXXX children and are now behind on our mortgage, have been eating out of food pantry 's and are faced with our Electric and phones being shut off because these people took up to {$1000.00} a month from our pay since last XXXX. If we had been properly served we would have gone into court and fought them and the original debtor over the bills.

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 2021-11-13
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
CHASE CARDS AND CHASE MORTGAGE MUST NOW SEND PROOF OF DELETION LETTERS FROM XXXX ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: PLANET HOME LENDING, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX XXXX Citizen and XXXX who the victim of a mortgage scam by XXXX XXXX XXXX. This company scammed XXXX XXXX veterans including me. I never signed for a Mortgage, Loan and never attended a Closing but I am facing foreclosure by Planet Home Lending a debt collector. The Government is suing XXXX XXXX XXXX and several banks for fraud in XXXX US District Court. I am one of those victims. I have been to Court for Foreclosure fighting these debt collectors to no avail. I have testified I never signed a Mortgage and never did a closing. These Courts just proceed. I need help to stop these debt collectors from losing my home. I am XXXX, XXXX and a veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a dun notice from Chase Receivables for a delinquent account owed to the XXXX XXXX XXXX XXXX. I have never heard of them. I never incurred this debt. 

This looks like a fraudulent attempt to get me to pay a small amount to make it go away for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: URS Holding, LLC
State: IA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The ERS company continues to call my job about debt collection instead of calling my cell phone. They also are using threatening language towards me despite my attempt to pay the debt. I do n't make enough money each month to pay the amount they want. The amount I can pay is not enough for them, so the man calling me is bullying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
the original collector never summited claim to my medical insurance.today i contacted my medical insurance they asked for creditors number to call to get the original collectors number the debt collection agent didnt have that information. my insurance was going to have them re-summit the claim. she was surprised they didnt have any contact with the original creditor.i disputed and disputed still nothing XXXX XXXX insurance takes that debt.this company just dont respect people

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter of collection from HRRG XXXX XXXX XXXX XXXX, Florida XXXX stating that a creditor, " XXXX XXXX XXXX reported that I owed monies for XXXX accounts. I checked yesterday with my health care provider billing department if I have an outstanding balance, or anything in collection or even anything owed to a Contracting Service provider and they said I have a {$0.00} ( XXXX ) balance. That I owe nothing. These stated balances are BOGUS and are nothing more than an EXTORTED demand for money that I do NOT owe. Furthermore, I have not been to a doctor for any procedures for quite some time, nothing more than a routine doctors appointment and certainly no " Off Site '' procedures. I have researched this matter on XXXX and there are many other people with the same problem.

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 2023-01-12
Company: General Motors Financial Company, Inc.
State: GA
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 Seen these inquires on my account and will like for them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Selene Finance LP
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: Investigation took more than 30 days

Complaint:
I requested from  " Selene Finance '' num erous times for reinstatement so I could issue a cashier check to reinstating my loan. It 's my belief that  Selene Finance purpo sely abandon their policy. On  XX/X/2016    at  XXXX    XXXX   for  20 min/ 47sec I  spoke with  XXXX   XXXX   a  employee with Sel ene Finance she was baffled and in shocked as to why I was not issued an reinstatement letter. She reor dered the reinstatement letter  ( th is makes my fourth request ) which was cancelled for a second time.  XXXX  also confirmed the following :  1.  On  XX/XX/XXXX  I ordered a payo ff 2.  On  XXXX   XXXX ,  2016 I  requested a reinstatement statem ent 3.  On  XXXX   XXXX  , 2016 I sp oke with  XXXX   XXXX  and in his notes I re-ordered a reinstatement statement but it was never order.    4. O n  XXXX   XXXX ,  2016 I pa id  XXXX  as of  XXXX   XXXX ,  2016 a partia l payment ( unapplied ) {$7100.00} was in SUSPENSE Currently I owed {$5900.00 } 5.  On  XXXX   XXXX ,    2016  I spoke with  XXXX   XXXX  she was highly perplexed as to why I did not received a reinstatement statement ( prior to making a payment, stating its their policy that a reinstatement statement must go out to the borrower to assure the borrower of the reinstatement balance owed.    6.  She confirmed on  XXXX   XXXX  , 2016     XXXX   XXXX  deleted the reinstatement request.    7.   XXXX   XXXX  re-ordered the reinstatement statement and schedules a follow up call on  XXXX  at  XXXX . Unfortunately we have not spoken again.     I was charged  XXXX  late fees  XXXX  for  XXXX   2016 an d  XXXX     2016.     Selene Finance cla im I owed over {$6000.00} in fees that carried over fro m   XXXX   XXXX   XXXX  . Un true.   They have submitted to the credit bureaus that I have been 60 days late, for  XXXX  &  XXXX   2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
this company was fully paid, by my new lender, and they did not, reportto the XXXX credit bureau agency, they are damaging my report, theyshould be investigated, they received the money, but they never clearedmy name to the credit bureau, this company should be penalizedfor negligence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Santander Consumer USA Holdings Inc.
State: DE
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : SANTANDER CONSUMER USA Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XXXX XXXX is trying to access my information with my consent to do so. I want to use my debt card to round up my purchases to use the rounded up change to invest in my portfolio with XXXX. 
XXXX has requested me to file this complaint so that we as the consumer have a right to choose whether or not to allow these 3rd parties to use our financial institutions instead of our financial institutions making that decision for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXXXXXXXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXXXXXX BANK Account # XXXX, XXXX XXXX BANK 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: MA
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: Problem with personal statement of dispute

Complaint:
I had recently reviewed my credit report and i found several discrepancies in the below accounts. I wrote to each bureau to please fully validate the reported information and remove anything that they couldn't provide signed, original contracts that correlated to the accounts in question. They didn't even look into it they just reposted the discussion from before that again wasn't looked into nor did I receive the information. 


XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$510.00} written off. {$510.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$510.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX XXXX  XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$620.00} written off. {$620.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$620.00} Balance updated XX/XX/XXXX XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$220.00} written off. 
Status updated XX/XX/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 explanation
Consumer complaint received 2020-04-13
Company: Gatestone & Co. International Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Gatestone has been collecting on an XXXX XXXX account. Earliest record I have from them is dated XX/XX/XXXX with an account balance of XXXX. Over the past 3.5 year i have been paying them a scheduled XXXX/month. I recently changed payment amounts to XXXX $ /month. I have always been in contact with them. I have requested multiple times over the 3.5 years that they call no other numbers besides my cell as the others associated with my account, that they read back to me, were family, friends, or previous employers. I answered a phone call on my cell phone XXXX from Gatestone XXXX at XXXX on XX/XX/XXXX for a duration of 9 minutes. On XX/XX/XXXX at XXXX XXXX  I received a call from Gatestone XXXX that I answered on a 'virtual ' telephone number XXXX issued by XXXX for XXXX XXXX and tied to an email account ; I just happened to be in that account when it 'rang '. I asked Gatestone rep. XXXX XXXX ( phone call recorded ) why he was calling that specific number and what other numbers was he calling. He then informs me that he has left messages on other voicemails stating that it's 'Gatestone ' before I spoke with a Rep on XX/XX/XXXX. Gatestone was calling these numbers from XX/XX/XXXX through today. XXXX confirmed and read the telephone log. My XX/XX/XXXX payment was received sent XX/XX/XXXX. My next payment of a min of XXXX $ is due XX/XX/XXXX. Why is Gatestone calling around, leaving voicemails, when my next payment isnt due until XX/XX/XXXX. How is it legal? Did Gatestone or its Parent companies take any money from the CARES Act. This account is still held by XXXX XXXX as I still get billing statements from them. XXXX told me ( recorded ) he was calling from Canada and but Gatestone was Founded in XXXX and is headquartered at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ. Current Balance on account as of XX/XX/XXXX less than XXXX $ from XXXX Phone call recording from XX/XX/XXXX at XXXX with XXXX was XXXX but XXXX and I was unable to upload, I will try and Compress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened the account with my business corporate filings and personal information while adding backup XXXX  XXXX XXXX account that was also verified. I sold one of my personal items on a different site and used PayPal as a form of payment. Everything went smooth until I tried to make a transfer to use my card on the account and PayPal actually blocked me from using my account and the put the account on hold without asking to verify the business again when it was already done. Then PayPal asked for a receipt for the item I sold on marketplace when it was a personal item and that isn't required to expose your manufacturer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-10
Company: Credit Protection Association, L.P.
State: TX
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 CANT BELIEVE THIS MESS. I SENT OUT NOT XXXX BUT XXXX LETTERS STATIN NOT TO CONTACT ME AND TO TAKE THIS MESS OFF MY CREDIT REPORT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
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:
XX/XX/2020 I asked the court if they provide bankruptcy information to the credit bureau 's. 
XX/XX/2020 I got a letter from the bankruptcy court acknowledging they do not. 
XX/XX/2020 I requested a security freeze on my XXXX XXXX Credit Report XX/XX/2020 I sent dispute letters to ALL three credit bureaus including the letter from the court saying they do not report to the credit bureaus. 
XX/XX/2020 XXXX  removed the bankruptcy ( which by the way was actual identity theft and was reported as such ). 
XX/XX/2020 received a confirmation from XXXX XXXX that the bankruptcy was removed from my report XX/XX/2020 I disputed the bankruptcy again with XXXX  XX/XX/2020 received a notice from EXPERIAN saying my bankruptcy was verified XX/XX/2020 sent another dispute to Experian disputing my bankruptcy and I have not heard one work and it has not been removed from my account. 
XX/XX/2020 I received a letter from XXXX  saying the bankruptcy was verified with XXXX  XXXX which is not true. 

Both Experian and XXXX  are reporting information they did not verify. XXXX  did try to verify and sent a letter that they were unable to verify with XXXX XXXX and they did the right thing and removed this account. 

Please help me get this resolved with both XXXX  and Experian. I can send in all letter and proof from the courts and 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 explanation
Consumer complaint received 2019-12-08
Company: Kimball, Tirey & St. John LLP
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a grill for my vehicle from a company called XXXX XXXX Im XXXX using XXXX XXXX, A division of Affirm. Order XXXX ( XXXX ) and loan number XXXX ( Affirm/XXXX XXXX ). 

I contacted the company a few days after my mechanic installed the grill due to water in one of the lights on the grill. I was sent two replacement lights. Two weeks ago, all of the lights are filled with water and a fuse was shorted. I contact XXXX XXXX XXXX via email and phone. I then put in a claim and disputed payment resolution to XXXX XXXX XXXX. 

Since affirm forced me to pay them, I now have a broken item and no recourse XXXX XXXX XXXX : XXXX XXXX XXXX You will see that the site is down and the numbers don't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: AFNI INC.
State: NV
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:
Company : AFNI Fraudulent credit reporting. On XX/XX/2020, I received notifications from XXXX  and XXXX  that my score dropped 43 points, and a brand new debt of {$140.00} for " XXXX XXXX XXXX XXXX XXXX' had been fraudulently created. The notification indicated that the dates of collection were from XX/XX/2020, to XX/XX/2020. These dates happen to match the exact same dates being reported by other complainants. 

These accounts were never created by myself. The charge for {$140.00} is fraudulent, and the credit score impact is unwarranted and unacceptable.

Company response to consumer: Closed with explanation