BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company is trying to collect amounts already paid. Called XXXX XXXX billing to ask if they can investigate what happened with this bill but they never did. The XXXX XXXX billing department was very rude and unprofessional. They had some address listed that I never know of, as well name was XXXX or similar which is not my name. 

What happened is on XX/XX/2020 my XXXX was scheduled and in order to start XXXX I had to pay full amount for XXXX since this was self pay not thru insurance. 
I visited XXXX XXXX XXXX multiple times before XXXX and he confirmed the price for XXXX, XXXX  and everything which was {$11000.00}. This amount is for complete XXXX includes everything XXXX etc. 

Unfortunately the XXXX was not performed professionally and instead XXXX to XXXX minutes the XXXX took XXXX hours XXXX XXXX XXXX put ma life at risk by XXXX XXXX into my body to try to complete simple XXXX XXXX XXXX. 
I was XXXX for a year. 

After XXXX I went to XXXX XXXX to see what was done to my body by XXXX XXXX XXXX and why i have pain in my stomach. XXXX XXXX doctor who specializes in these XXXX was shocked that XXXX  took XXXX hours to perform such XXXX, he said we performed those surgeries in XXXX to XXXX minutes smithing longer is a risk for your body. After performing few tests at XXXX XXXX the doctor concluded that XXXX XXXX did not complete the XXXX stomach looked normal but it supposed to be stapled. 
Basically XXXX XXXX was playing with my life for XXXX hours and did not complete XXXX, which made me sick for a year. 

Please see attached proof for payment already made in full as agreed with XXXX prior to XXXX. If anyone owns money it would be XXXX owning money to me for letting XXXX XXXX XXXX to perform a XXXX which he is not experienced.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Regarding the complaints Case # XXXX. US bank did not being honest about my case and they lied to me and to you. Thinking that I will go away and you can closed this case because they responses.
<P/>
1. Took them 12 days to refunded my own money instead of federal regulation of 10 days. From X/XX/17- X/X/17 2. The day I notified US BANK my transactions was still in PENDING status. If they looked closely it is so obvious it was a fraud transactions.
<P/>
a.Transactions being XXXX miles from where I lived.
b. ATM fee balance inquiry at other network for {$2.00}.
c. non us bank ATM DENIED FEE for {$2.00} d. ATM card was in my procession.
c. I was a long time customer.
<P/>
3. Because of 3 of my bills being returned due to US bank refused to pay it knowingly that it was a fraud and now I am being charged late fees from my cable and water company.
<P/>
I am just a little guy who do not have money laying around for this type of injustice. US bank did have to go by the book if they have a heart. They have the power to pay while the item in PENDING status but they choose not to. They never returned my phone calls after several attempts.
To added the insult to my injury. This account was suppose to be a free checking account. After US bank took over they did not honor the old agreement and now I am being charged with {$7.00} monthly fees. I want my {$50.00} that was charged from my cable and water company. I want US bank to send an apology letter to them so they will refund the late fees that caused by incompetent from US bank.
<P/>
Sincerely, 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 2020-03-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall releasing my information to a third party. 1. Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until the debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the items are already REMOVED from other bureaus so please do the same. 


XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX RE : XXXX XXXX XXXX. XXXX Complaint : Incorrect credit file information reported to Credit Reporting Agencies Credit File : XXXX XXXX XXXX, XXXX Loan No. XXXX Complaint : XXXX XXXX is erroneously reporting a late payment for XX/XX/2022. 
Request : Correct reporting to show no late payments This letter and the attachment provided are hereby filed in order to correct my credit bureau information which is showing a late payment for the month of XX/XX/2022. See the attached declaration and proof of service pursuant to California Evidence Code Section 641 which says in pertinent part : In California, items that are served via the US Mail that are properly addressed and include the correct postage are presumed to have arrived in the ordinary course of the mail. In other words, California law assumes that the US Postal Service will deliver items in the normal course of its operations, provided that the address indicated and postage used are correct.

The legal authority for this is Section 641 of the California Evidence Code, which states : A letter correctly addressed and properly mailed is presumed to have been received in the ordinary course of mail.

Please update my credit file forthwith or we will begin additional legal remedial action in order to correct the error currently being reported.

Best Regards, __________________________ XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
One of the companies handling my loan, XXXX, proactively stopped requiring payment due to forbearance from COVID. My other servicer, AES, did not, so I applied for forbearance from them as well. They denied my request and continue to bill me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27
Company: QC HOLDINGS INC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Harrassed persistently about a title loan taken 4 years ago. The company is a third party compan y for BuckEye Title Loans. Th is company is called  XXXX . We received a call from them several times all day all night long, threatening, harassing and just annoying calls. We try to talk to them about the debt that is owed, but they cut cut us off hang up and are very disrespectful and rude. We want these calls to stop. I believe the company is a scam, but they received my information from Buckeye title loan somehow.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2021 I purchased a new phone from XXXX using my Bank of America credit card and sent in my old phone for credit {$40.00} to be applied to my BOA card. At that time fraud charges were put on my credit card and I was notified by BOA. That was resolved. As a result, my credit card number was changed. When XXXX tried to appy the {$40.00} credit it could not because the number was changed. After contacting XXXX they re-applied the {$40.00} credit to my card. I then received a letter from BOA saying that the {$40.00} credit from XXXX applied to my card on XXXX XXXX was for a Fraud dispute and they were charging me {$40.00} because XXXX had already credited me. This is my complaint. I never claimed the {$40.00} credit was a fraud and BOA incorrectly recorded it as such. I have spent three days and over two hours on hold with BOA trying to get this fixed. Today was my third try and after being put on hold AGAIN to be connected to the " Existing Fraud Claim '' department was disconnected. I understand this is not a large amount, however, BOA customer service department is terrible and if this has happened to me, other consumres may have had similar experiences.

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 2022-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I involved with fraudulent company XXXX XXXX XXXX, located in XXXX, VA and transferred money from my account in Bank Of America. I had been filed the claim and it didnt resolved for about a month. Please help me to protect and receive my money Sincerely,

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 2017-01-05
Company: Bread Financial Holdings, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I called in to make payment on my accounts, I asked about interest on one of the accounts and the male rep got hostile with me, I asked for his supervisor and the male supervisor got on the line and had the same hostile tone. At no point did either representative read me the mini Miranda. Also, when I asked to speak with another manager, the current manager hung up on me. I have all of this on recording. I called back a second time and tried to explain what just happened and got treated the exact same way and he hung up on me. During the call he refused to provide me with his name and the names of the XXXX previous representatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My checking account with Sun trust Bank went overdraft due to a payment I made to a collection company, I only had available {$77.00} when the {$100.00} payment was withdraw from the account creating an overdraft. Ad ditionally, the bank charged me a {$36.00} overdraft fee for an automatic insurance added by them and  XXXX .. for being extended overdraft. I 'm supposed to deposit {$180.00} for overdraft of which {$140.00} are fees. I called the customer service line, and they declined to make the adjustments even though the valid amount of money I am overdraft is less than  XXXX .. Needless to say, {$140.00} overdraft fees in a week is detriment to the consumer and if do n't have the {$180.00} to deposit now they told me I was going to continue to receive a {$36.00} every 4 days until I covered the overdraft amount. How do you allow a bank to charge those excessive fee 's. I am trying to pay my bill, s to catch up and this crazy overdraft fee policies will impede me from paying, or even buying food for me and my family. I understand I went over for not checking the available balance but a {$140.00} for having less than {$50.00} dollars in my checking account is outrageous.

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 2022-10-04
Company: EQUIFAX, INC.
State: MO
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 previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, XXXX  months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : XXXX XXXX Balance Owed : {$26.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: NY
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On  XXXX   XXXX ,  2016 .   I got a car financed for a cost of  XXXX  $ with a n APR 23.9 9 % to 6 years and they charging for  XXXX  $ on interest to 6 years. I gave  XXXX  $ of down payment for the car, they want me to pay more of interest then the car value and they havent pay anything to capital, and i got to pay  XXXX  $ per month and i pay  XXXX  $ and they dont pay nothing to the capital they accredited it to interest, till now everytime i pay them, they take it to interest only, and i feel thats ilegal.

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 2017-05-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is a follow up to complaint ID  XXXX  as I was not given an opportunity to respond to Chase 's last response to this complaint. This complaint is regarding a fraudulent appraisal used on a property (  XXXX   XXXX   XXXX ,  XXXX  Ohio  )  that closed in  XXXX  of  XXXX . In Chase 's response to this complaint they stated this loan paid off  XXXX  existing mortgages and I received {$38000.00} at closing and I benefited from this ( see paperwork attached ). The paperwork that accompanied their response were closing documents on a completely unrelated property in a different city that was sold in  XXXX  -  XXXX  years prior to the property listed in the original complaint. How they are connecting these  XXXX  is beyond me and demonstrates  Chase  's lack of due diligence and attention to detail.   XXXX  I have brought this inaccuracy to the attention of the person from  Chase 's Executive office assigned to this issue and they too were confused how their legal team g ot these  XXXX  transactions mixed up with each other and would look into. It has been several weeks since this conversation and my contact at  Chase  is now ignoring my phone calls and has not returned any calls for  weeks .   XXXX  As I understand it, the CFPB was established to help protect consumers from unethical practices of large financial institutions. I do not believe this issue is taken seriously or being handled ethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please see the attached XXXX Page Scanned Document, which is self explanatory and yet to be responded by ASC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Jeffersons capital has been threatening me with a lawsuit for a vehicle I no longer have and was repoed back in 2018 I believe. They are trying to sue me for the remaining balance and the vehicle is no longer in my possession. I had no idea that I would be responsible for a vehicle I no longer have. This has caused an immense amount of stress and paranoia for me.Code UCC 9-613

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: Experian Information Solutions Inc.
State: AL
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 contacted Experian about several accounts on my report via phone and mail and they continue to send a report that states the information is certified to be valid yet I have requested them to provide proof of the accounts that I am disputing several times ... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also stated they will no longer investigate ; however, they are failing to provide how these debts are valid. I have stated to them that a letter stating that the debt is valid is not verifiable proof ; however, I was informed they can not make a creditor send any information and that as long as the accounts match my social then that is considered as valid debt. 

I have sent over 10 certified letters and made numerous calls and they have yet to provide me with an explanation or update my reports. They also stated they do not have to reply within 30 days in they choose not to investigate negative items on my behalf.

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 2020-03-11
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was reviewing my credit file and noticed on collection account from Receivable Recovery Service dated XX/XX/XXXX. I have attempted to contact the collection agency via certified mail dated XX/XX/XXXX but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: SYNCHRONY FINANCIAL
State: CA
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:
Hard inquiry on my account I didn't apply for

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