BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: TekCollect Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
TeK Collect are a 3rd party collection company ( purchased debt from doctor ) for A duplicate service. I had a series of tests conducted by the subject doctor over a period of time including a DUPLICATE TEST that was charged to my Insurance company that REJECTED the billing as being a DUPLICATE TEST! The doctor waited 6+ months before sending me a bill for the DUPLICATE TEST rejected by the insurance. I contacted the Doctor 's office explaining the XXXX [ XXXX XXXX, in error ... during the beginning of the 2nd test I pointed out to the technician that I felt this was a DUPLICATE TEST FOR WHICH SHE RESEARCHED THE RECORDS AND CONFIRMED THE DUPLICATION... but stated since she had already started the test she would procede to complete the test... not to worry! 
The 3rd party COLLECTION AGENCY = TEK COLLECT INC ignored my DISPUTE and reported the so-called DEBT to the CREDIT BUREAUS which have posted a NEGATIVE 'DEBT COLLECTION '' on my file ... resulting in negatively impacting my application for a MORTGAGE to purchase a home. In addition I sent a CEASE & DESIST letter to TEK COLLECT with c/c to all THREE CRDIT BUREAUS. 
In addition I filed a DISPUTE with XXXX which has taken the side of TEK COLLECT ( a PAYING member ) in their attempts to collect the so-called DENT = DUPLICATE TEST BILLING rejected by my insurance company as well as myself!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX account # XXXX date opened are different ; XXXX opened date is XX/XX/XXXX experian open date is XX/XX/XXXX XXXX opened date is XX/XX/XXXX high credit amounts are different. 
XXXX high credit is $ XXXX experian high credit amount is {$30000.00} equifax high credit amount is {$8300.00} last reported date are diffrent dates XXXX last reported date is XX/XX/XXXX / experian last reported date is XX/XX/XXXX equifax last reported date is XX/XX/XXXX please delete this account for multiply inaccuracies.

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 2015-03-23
Company: Agency of Credit Control
State: CO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I wrote the debt collector a letter to dispute the charges based on my dentist lying to me about when the procedure was necessary. They originally stated that my balance was {$670.00} upon receiving the debt verification invoice from them they stated the correct total of {$530.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: SANTANDER BANCORP
State: PR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been charge {$0.00} during a period of five months for a service I did n't activate or even require and which was activated with my consent, even after calling to deactivate the service the service has been charge twice after the first call to deactivate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX CARD. The dates were XX/XX/2020, XX/XX/2020, XXXX XXXX/XXXX XX/XX/2020,XX/XX/2020, XX/XX/2020, XXXX/XXXX 1XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX/XXXX XX/XX/2020,XX/XX/2020, XXXX/XXXX XX/XX/2020,XX/XX/2020, XX/XX/2020, XXXX/XXXX XX/XX/2020,XX/XX/2020, XXXX/XXXX XX/XX/2020,XX/XX/2020,XX/XX/2020,XX/XX/2020,XX/XX/2020,XX/XX/2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.

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 2015-09-10
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I have a HELOC in the amount of approx {$5000.00} managed by Specialized Loan Service, in my original complaint number XXXX i requested that they correctly record this lien XX/XX/XXXX. That actually happened XX/XX/XXXX. I received this response from SLS XX/XX/XXXX at my request to proceed with refinance keeping this smaller loan as a XXXX. This is a very vague non answer. I am looking to refinance approx XXXX on a property valued at XXXX. I feel this is a retaliation based on multiple calls, complaint here and with corporate office. SLS has never responded to initial complaint. Feels like shady business practice. By the way my XXXX score is over XXXXGood Morning, The CLTV requirement and the reason for the loan amount increase is a requirement from the investor. This is not an SLS requirement, but an investor requirement. The only way we can approve the subordination is if the new loan amount is at the lowered amount. I see that we received documents at the lowered loan amount of {$53000.00} and that sub will be approved and sent this afternoon. 

Thank you, XXXX XXXX XXXX XXXXSpecialized Loan Servicing XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX complaint

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The Servicer foreclosed on my home in spite of the Rescission that was done in XX/XX/XXXX, they said I owed money, I sent an XXXX, and they foreclosed in XX/XX/XXXX despite the Rescission of the loan, and they tried to send me {$22000.00} afterwards to Acknowledge, Waiver and Release Agreement for them so they wo n't have to answer for the injustice that they have created for myself and my family members. The Property Address is XXXX XXXX XXXX, XXXX, Georgia, XXXX. The Rescission was a United States Supreme Court Decision XXXX XXXX XXXX Mortgage that stated all that the consumer had to do was send a notice of Rescission and that was done by certified mail as you can see on the attachment. But according to XXXX the XXXX days passed and the SERVICER/ATTORNEY IGNORED the correspondence which was sent certified return receipt requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: URS Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX continues to bill me for a paid service, my medical insurance paid this bill, They have turned me over to collection, and added $ XXXX in added fees .I previously contacted them to contact XXXX and Medicare. My XXXX per their clause XXXX : XXXX { B } { XXXX } requires provider to accept XXXX allowable as full payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26
Company: Kirkland Asset Management LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from XXXX on Thursday,  XX/XX/2015, around XXXX The representative did not identify their business even after I asked them. The rep stated that they were calling in reference to a claim for an XXXX debt but did not provide me any information concerning this debt. The rep stated that a legal courier would be coming tomorrow, Friday, XX/XX/2015, to deliver certified documents. The rep asked me about doing payment arrangements which I did not do as I had no information concerning this debt.

My mom received a call from XXXX on Thursday, XX/XX/2015 from a rep who left a voicemail message identifying herself as XXXX. She left an ID number on the message.

I looked up this toll free number in Google and found out that it belongs to Kirkland Asset Management.  I would like this business to cease and desist all phone communication with me, family members, friends, and anyone associated with me effective immediately. I believe their communication with me violates the Fair Debt Collection Practices Act. Please investigate this business. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a fraud alert on my credit report and multiple times a XXXX account continues to report. All credit bureaus remove the account from my report but Equifax added it back on. They already investigated this matter and removed it but added it back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CITIBANK, N.A.
State: OH
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:
My application was denied for the AAdvantage Platinum Select card, and I would like my application reconsidered. I have contacted Citi and they seem to say that they are unable to overturn applications, which I find hard to believe. The only reason for denial is Limited credit history. However, the rest of my credit is phenomenal and I dont believe over one year of credit history is limited.

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 2022-10-27
Company: The Bureaus, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear THE BUREAUS, I am contacting you regarding The Bureaus collection account reported to my credit reports. Please note, I do not have any responsibility for the debt youre trying to collect or its been more than 7 years since the original delinquency date, in which case your account should not be listed on my report. If you have good reason to believe that I am responsible for this debt or 7 years have not yet passed since the original delinquency date please supply the information regarding my debt and original delinquency date so that I have all information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Good Morning, I have submitted a claim number XXXX, which CCO mortgage did nothing to answer. My complaint has XXXX issues. 1 ) My house was incorrectly appraised in XX/XX/XXXX. This is obvious by their appraisal in XX/XX/XXXX and again in XX/XX/XXXX. My house dropped by XXXX %, but my area dropped by XXXX-XXXX %. 2 ) CCO mortgage charged me 6.5 % interest rate but I was told it was drop down after two years. However, after two years they tried to not reduce it and sent me a letter to sign which would waive my reduction. That ca n't be legal. 3 ) After my girlfriend ( and co-owner ) broke up, I explained I would need to remove her name. They ultimately adjusted the mortgage but charged me an above market rate. I was notified about 6 months later of the HAMP program. I called them and asked why I was n't placed into that so I could get a market rate. They did n't have an answer, except that because my mortgage was adjusted ( above market rate ) that I ca n't do the HAMP program. Is that legal? Why was I not told of the HAMP program. 4 ) At that time I was told I might be able to do a modification so I filled out lots of forms but was denied. I asked for 'waterfall calculation ' and was told no calculations are provided. Is that legal? 
CCO mortgage please and answer these XXXX complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
About a month ago I received a bill from XXXX XXXX XXXX, stating they had forgotten to charge me {$45.00} for my daughter 's XXXX. I sent out a check for {$45.00}, which XXXX XXXX XXXX cashed on the XXXX of XXXX, 2017. XXXX XXXX XXXX then fraudulently reported me to Universal Recovery Corporation. I took a copy of my cancelled check into XXXX XXXX XXXX along with my collections notice, and they told me it was a mistake on their part, and they were working to correct it. While at XXXX XXXX XXXX, I called Universal Recovery Corporation to confirm this. They said they recived no information from XXXX XXXX XXXX clearing the fraudulent claim. I then requested to speak to a supervisor. The supervisor " XXXX '' got on the line and was instantly combative with me. She tried to antagonize me into a verbal fight, and when that was n't working she hung up on me. I had n't screamed at her, I had n't cursed at her, and I had n't threatened her. I called back to try and resolve the situation, she again was combative, and tried to instigate a verbal fight. She then lied to me, and said her company had only called me once. They have called me 3-4 times. She also said if I continue to call her she was going to call the police on me. Again I was n't screaming, cursing, or threatening her. Now I do n't know what to do. I did nothing wrong, and was fraudulently turned into collections by XXXX XXXX XXXX on XXXX/XXXX/XXXX. Now on XXXX/XXXX/XXXX the collection company, Universal Recovery Corporation told me if I contact them again they will call the police on me. I have always paid my bills on time, and have no idea what the next step for me to take is. Even if I wanted to pay the {$45.00} debt, I do n't owe, I ca n't contact Universal Recovery Corporation, or they will report me to the police, as supervisor XXXX stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: FC HoldCo LLC
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 have really struggled during covid I have made my payment noted some were not over 30 Days late but flag ship credit acceptance has put every kind of negative remark they could to diminish my credit Ive payed and as of XXXX my accoubt was changed to good standing I payed two payments in XXXX and two in XXXX which I have supporting documents on XX/XX/XXXX I have a delinquent status again but I bought a new car on the XXXX and traded that one in Ive sent all the in formation to both creditor and XXXX no one is replying to my emails they hang up the phone on me please do not let this company continue to behave this way. I didnt need a new car but they have been such a headache I wanted to get out from Under that loan so I had no dealings with them they do not care about the customer harass you daily during covid manager says they stop doing latte fees during covid but yet they still are taking them out

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 2016-01-27
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been experiencing on going problems with Specialized loan Services since they took over my loan in XX/XX/XXXX they promptly over drew my account and withdrew payment at the same time that XXXX did. Specialized Loan Services then placed a block on me preventing me from making an electronic payment because my payment was returned. The payment was made to XXXX and Specialized Loan Services continued to call me harassing me for non payment and the payment was made. My XX/XX/XXXX payment was held and not credited to my account until XX/XX/XXXX even though it was received on time on XX/XX/XXXX they then reported a late payment to the credit bureau and charged me a late fee. I have called no less than 8 times trying to straighten this matter out and be able to pay my mortgage electronically and have been told that they can not correct the problem. I am tired of the poor customer service, harassing phone calls and late fees as well as damage to my credit report and they have only had my mortgage for 5 months. It is not a good indicator and the fact that they are allowed to operate in such a disturbing manner is alarming.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called in to make a payment to Target Credit Services on XX/XX/XXXX. I had been going through a lot with my XXXX  being in and out of hospital since she was XXXX  and so I was forgetting to pay the Target card. I decided to pay it off and close the account. I did the auto pay. I didn't know it at the time, but I had accidentally entered an extra " XXXX '' in the checking account number. The payment did not go through. I got another bill and called to find out that the payment did not go through on XX/XX/XXXX. I spoke to a representative and made a payment over the phone. I read my checking and routing number from the check I was holding in front of me to the representative. 1 week later I called because I was I did not see the withdrawal from my account. The credit card representative assured me that the payment had gone through and my balance was XXXX. 

I received another bill at the beginning of XXXX showing an outstanding balance. I decided at that point to just write a check and mail it on XX/XX/XXXX. The only reason I was calling was to get the payment in ASAP, but I continually had problems. I made a complaint to XXXX XXXX XXXX  when I saw that they were constantly having trouble receiving my payment. 

The check finally cleared. I called Target because I saw that my credit score was being affected. I spoke to a manager to find out what they had taken down in XXXX for my checking account number. I found out that they had an extra XXXX still in the checking account number that didn't belong. I explained to the manager that I read the check number verbatim and there should not have been a problem. The manager told me that she believed that the checking number was not updated by the representative from when I tried to make payment in XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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: Was not notified of investigation status or results

Complaint:
I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!

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 2016-03-21
Company: LDF Holdings, LLC
State: MI
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed XXXX and this company want {$4000.00} back I blocked them out of my account and so far have paid them almost {$800.00} in addition they are charging an additional 200 % making it impossible to pay them off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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: Their investigation did not fix an error on your report

Complaint:
My XXXX is reporting with a thirty days late remark. TypicallyI always try to pay on time and I don't have late remarks anywhere. However, this time unfortunately as a result of XXXX  XXXX which I have severely suffered through I've earned a late remark.XXXX at the time has followed the CARES act and extended the time for payment upon request which I was not capable of doing at the time. Should I've connected XXXXat the time I would've gotten an extension and avoided this remark. ThereforeIam kindly requesting that the remark be removed to rectify the damage it's causing me now while shopping for a mortgage. 

Please get it resolved as soon as possible. 
Thanks in advance for taking this into consideration and for the opportunity to share it with you.

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 2022-05-12
Company: EQUIFAX, INC.
State: TX
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, 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

Company response to consumer: Closed with explanation