BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-11
Company: Collection Management Company
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt was opened in error by the Provider, who knew that was opened in error and never stopped it from being sent. I went to the doctors office and never received the service, which was still billed. I called my insurance company and they advised they were unable to stop the claim the doctors office would have to do that. 

I then left it alone and never followed up until I went to make an appointment and was told I could n't as there was a billing issue. I spoke with the billing department who cleared the issue and noted they did see in their notes of the mistake. I also asked them to have this pulled back from collections as it was sent in error. The billing department for XXXX XXXX XXXX XXXX XXXX said it would. This call was done in XX/XX/XXXX and still reflects on my credit report. 

The debt agency, which is a third party also made multiple contact calls to my cell phone, without my permission from a dialer. 

I also submitted a credit dispute as the item was reflected on my credit report, which was rejected and the collection agency said it is not their fault they are just collecting the debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX bought a credit card debt from another creditor.
I have been making payments on the debt. I have paid them the principle and more. The $XXXX balance is all the late fees. I mailed them a settlement letter on the XX/XX/2015 and they have not responded to me by mail. I requested that I wanted to be contacted by mail only. They have sold this debt to another collection agency, but they are still collecting the debt.


Credit Limit   $XXXX
High Credit   $XXXX
Balance        $XXXX
Past Due      $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: EQUIFAX, INC.
State: AR
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 was alerted by XXXX XXXX that a collection account was added to my credit report in XX/XX/XXXX. I called the collection company XXXX XXXX XXXX XXXX and asked what this collection ant was for at which time I was noticed it was for an after hour emergency visit on XX/XX/XXXX A YEAR AGO. I asked why I was never contacted and her response was I called one time in XX/XX/XXXX but did not leave a message. I asked if there had been any other attempts to notify me I had a balance due and she replied no. I asked if it was legal to just add a delinquent account to someones credit report without FIRST attempting to contact them to even let them know there was an outstanding balance as I have never received a single notice once stating I had a balance due. I have Medicaid insurance and do not have a deductible for an office visit or ER visit which this was just an office visit at XXXX XXXX XXXX XXXX XXXX in XXXX. The credit report has zero information as to when the charge was made, when I was seen, what the service was or if I had made a pmt or anything. It simply stated opened XX/XX/XXXX Reported XX/XX/XXXX {$260.00} Medical Past Due Collection Account OPEN STATUS which lowered my credit score and I had never been contacted my the health clinic or the collection company whom received my account in XX/XX/XXXX and just reported to the credit reporting companies without any attempt to notify my or to let me pay or investigate the charge as my ins should have paid it in full.

I then contacted the Original Clinic and they said they sent me one letter and it was returned stating moved but that was it. There was never a phone call made to me or my emergency contact and my Medicaid ins just never got filed as it should have and now she said it was too late for her to go back and file it since its over a year. I confirmed she had my correct ins info and she did however the billing Dept dropped the ball, I was never notified or given a chance to pay it and now it is reporting as an OPEN Collection Account for something I dont owe. Are there laws that state I have to be notified or that protect me if the billing department waited to long to bill my ins and now they wont pay it as that is all out of my control?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Risecredit, LLC
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took a loan for XXXX and I 've made over XXXX payments for each month, and I 'm still owing XXXX after making payments totaling XXXX after 3 months. I 've made XXXX payments since the middle of XXXX XXXX, XXXX. They have me schedule to pay the loan in XXXX XXXX, but since I 'm sending extra they now have move the payoff day to XXXX XXXX instead of XXXX XXXX. With the payments I have schedule their going to earn over XXXX extra in fees and interest for a loan to be paid off in less then a year. The name of the company is Rise XXXX from of the Internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was already to XXXX and account was satisfied by company paid Dynamic recovery has bought old credit report from third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY XXXX DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO. 

This CORPORATION tried to make a deal with me and accept a lower payoff which is against the law. These DEBT COLLECTORS are Greedy, and they know I do not owe them anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
wells fargo is the heridator, assignee, heir of banks I held certificates of deposit and othere accounts. they refuse to honor payment of certified checks and/or certificates of deposit held by the prior institutions. they do not respond to questions, rather than to say it is n't their problem because records do not have to be maintained. in the meantime I am out XXXX figures originally set aside in cd 's for the higher education of my children. as well as a XXXX figure certified check they cashed remanding the money to someone I have no contact with.

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 2016-11-18
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
To whom it may concern, I '' m filing this complaint against a CitiMortgage, in the hopes that you will assist us in resolving this matter. I have been in the process of selling my home for the last two months and on XXXX XXXX I spoke to XXXX, in customer service, and requested that ALL Electronic Fund Transfers of my mortgage payment be suspended. XXXX confirmed that there would be NO DEDUCTION for XXXX or XXXX. 

On or about XXXX XXXX, Citibank, did deduct the {$1600.00} per month mortgage payment. I spoke with XXXX on XXXX XXXX about this and was told that the funds would be replaced and that once again XXXX EFT payment will be suspended. 

This morning, I was notified by CitiMortgage, that my XXXX mortgage payment was taken again and that I have overdrafted my account. 

Not only is this causing serious financial issues with me, but it 's also causing a tremendous amount of XXXX. I 'm asking for your assistance here in dealing with this matter once and for all. Please contact me at your earliest convenience -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have disputed a credit card charge twice with Citi and included their corporate office in the rebuttal to the first decision for merchandise that was ordered and paid for but not received. The details are included in the attachement.

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 2016-12-28
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Late fee

Complaint:
I opened a Macy 's XXXX credit card roughly XXXX years ago, for which I had a physical credit card issued. In the last XXXX months Macy 's created a separate " store credit '' account under my name separate from my XXXX account ( no physical card, no notification of creation ). This " store credit '' account only tracks purchases made online at Macys.com or through store purchases, both made using the XXXX card. All other purchases made using the XXXX outside of Macy 's are charged to the XXXX card. In XX/XX/2016 I fought a late fee on the " store credit '' account and signed up for autopay, and was reimbursed the late fee and paid the remaining balance in full. Subsequently I was charged interest on the {$0.00} balance, supposedly because it was a delinquent payment ( even though the late fee was waived and a customer service rep submitted the payment ), though I was not notified that the {$0.00} balance would carry a fee. I received notification in XX/XX/2016 that my account was yet again past due, this time with a {$31.00} late fee attached, along with an additional {$4.00} in interest on the previous {$0.00} balance. Apparently the autopay was not set up. I called to have the late fee removed and set up autopay. The late fee was removed but will likely hit my credit report as a delinquent payment. I have not missed a payment in XXXX years and was a few days late on XXXX payment in setting up autopay. 

Macy 's has XXXX XXXX ) set up a secondary credit account without my knowledge or notification for store purchases only, ( XXXX ) charged me interest and late fees on interest for carrying a {$0.00} balance, and ( XXXX ) charged a late fee of {$31.00} without sending a statement.

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 2015-12-03
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a Macy 's XXXX XXXX Card - XXXX ( XXXX ) fraudulent charges were made on the XXXX XXXX portion on XXXX/XXXX/15 for XXXX products for {$52.00} each - a total of {$210.00}. I have never used the XXXX XXXX in the entire history I have used this card. I do n't use the Macy 's card that often and did n't notice the fraudulent charges until a made a small purchase at Macy 's at the beginning of XXXX. I immediately contacted the Fraud Department on XXXX XXXX and was told they would be sending a Statement of Fraud form that I needed to fill out. I never received the form so I contacted them on XXXX. I finally received the form and immediately mailed and faxed a copy on XXXX. I received a confirmation receipt that it was sent. I contacted them on XXXX and they said they would expedite the case. On XXXX, I called again and they said they did n't receive the information. I faxed the information again on that day and the following week on XXXX. I got confirmation receipts for both days. On XXXX, I activated a new card but when I tried to make a purchase in Macy 's on XXXX it was denied. I was told I would have no issues using the card when I activated it. I immediately called the Fraud Dept. that same day and they said it was denied becaue of pending unpaid charges. In the meantime, my card is accumulating late fees and interest on those fraudulent charges made way back in XXXX. I am afraid this is going to affect my credit. I have an excellent credit history and always pay my bills on time! I called today, XXXX and they notified me that my case is still under investigation. It 's 2 months already and they are unable to give me any good reason as to why it 's taking so long. I really need help in getting this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Unauthorized Charge of XXXX I am writing this letter to a follow up letter Citi Bank sent me on XX/XX/XXXX. I did not authorize XXXX to charge my credit card on XX/XX/XXXX ( on military business ). However, I authorized XXXX XXXX to charge my Citi Bank card for a much cheaper flight ( estimated cost of XXXX ) .If you check the date of the flights, you would understand that I had no need for two flights. While on the telephone with XXXX Customer Service Rep, I told him never mind, but evidently, he booked the flight without my consent. On numerous occasion I called trying to dispute these charges to no avail. While in dispute, I continue to make good faith payments. Further more, how can a person board two planes simultaneously. 
In closing, I am requesting that my money be credited back to my account because that transaction was unauthorized

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 2015-08-21
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I live in the state of California, last year XX/XX/XXXX I took out a loan with cash call, was told they did not do loans under XXXX but I could repay back what ever amount I wanted right away and that would bring my payments down and the amount I would owe, well I did n't repay a large amount back, I have been paying I. This loan for a year, I have already paid them XXXX on a XXXX minus fees loan, they have taken out late fees without notification to me from my account putting it negative, and numerous XXXX fees I have paid to my bank every other day they try and pull the money out of my account on several occasions I have made payment arrangements that were not documented, this month XX/XX/XXXX I had unexpected expenses and received an email saying they can help me so I responded to the email and no response back I waited 3 days and still nothing, now I sent another email still no response I keep getting phone calls, I read that XX/XX/XXXX that cash calls license was suspended for up to 12 months how is it possible to get a loan the next month, I feel that my loan is illegal I also read how to respond to a illegal loan so am am going to take these steps, first send them an email explaining that I am revoking the ach and any wage garnishment study they may try to do do to their license being suspended when issuing my loan, also close my bank account and request a refund of all monies I have paid to the company, I feel this company should be shut down and not allowed to give any loans to anybody I will not ever do another loan like this this has ruined my life, my relationship, and I will never regain any of it back, I feel this company should have to pay every cent to every person they loaned to especially if it was illegal, I am not saying that because I do n't want to pay back the loan, I would be willing to only ask for the extra money I paid to the company besides the principle amount of the original loan, I have over probably a XXXX dollars in late charges from my bank from this company, and would ask for them to pay back that money as well, I want to know how this can be fixed and my life back to normal. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: FL
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was called by the One Main Financial store in XXXX XXXX ( I do n't have a loan with them, I have one with the XXXX KY office. ) This girl named XXXX from that office called my cell phone. My co-worker answered and she told him that she needed to speak with me about a legal matter. She told him where she was calling from and told him that they were filing court to garnish my wages. One Main Financial 's representative violated my personal privacy about my financial situation. She should NOT have told him any of personal information. Then she threatened me with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
HSBC refuses to communicate with XXXX XXXX XXXX concerning my closed account. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a judgement from a law firm of XXXX XXXX XXXX based out of XXXX, AZ, numerous time they have violated collection practices in collecting a debt. The most recent which is prompting this complaint is they were sent a payment in full letter, dated XXXX/XXXX/2015 and sent certified on XXXX/XXXX/2015. I find out today they do not have the copy of that letter nor are they sure were it is as it is not in my file. However I have proof they received this letter as well as the letter was sent to the company that sued me of Midland Credit Management, and to my payroll department. The letter stated the debt had been paid in full by my records, and as such they were not to communicate any more to me other they to state the debt was paid in full. They are trying to blame my payroll department for not calling them, and that it happens all the time, so instead of owning up the matter they are blaming another party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have purchased a XXXX XXXX by American Express from XXXX store. I have added {$500.00} to it with the initial purchase. The card was not properly activated and the card can not be used. 

I have contacted American Express and sent in all the materials they asked for, driver 's license, front and back of card, receipt, card package, etc. 

I have not received any response for six months, which is totally unacceptable. Every time I call customer service, they would just tell me to wait for a few more days.

Company response to consumer: Closed with monetary relief