BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My health insurance was having trouble getting a correct bill from the medical provider XXXX XXXX XXXX. They finally got a final bill AFTER I was sent to collections. They never gave me the opportunity to pay prior to going to collections which I explained to both the Provider and the Collection Agency. After months of going back and forth and proving I should've had a {$0.00} balance I ended up just paying with the promise that they would delete this from my credit since the accounts should've never been there to begin with. Now a month later they STILL have not deleted the collections and refuse to. They refuse to give me any information to their CEO to escalate the issue and they refuse to give me their corporate info so I could file a complaint with them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: CO
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:
I filed a dispute with Equifax on XXXX XXXX XXXX 2017 about a count the revolving and reporting open when it was closed and paid in full also on XXXX I tried to dispute the name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX XXXX XXXX are reporting a {$9900.00} fraudulent loan on my credit report. I have disputed this loan several times and it is still reflecting this fraudulent loan on my account. 
This loan is a case of identity theft. I have attempted to contact XXXX XXXX XXXX to tell them this was fraudulent and inaccurate. I also reported this fraudulent account to Equifax who also have refused to update and remove the account from my credit report. 
I have repeated since XX/XX/22 asked Equifax to remove this account because it was a case of identity theft. Have incorrectly verified the account has accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX,,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,,, XXXX XXXX,,, XXXX XXXX XXXX XXXX,, XXXX XXXX,, XXXX XXXX. 

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 2020-08-12
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was recently sold to Specialized Loan Servicing ( SLS ). Within 45 days of assuming the mortgage, payment in full was made to SLS. The mortgage was paid in full on XX/XX/2020. Immediately thereafter SLS was contacted regarding the return of escrow funds held by SLS, method of payment for the return of the escrow funds, and verification of the address where the funds were to be sent. SLS indicated that a check would be sent to the verified address no later than 15 days from the date of the payoff. In early XXXX I contacted SLS as I had not received payment nor I had I received any correspondence from SLS. I was told SLS had sent the refund check to the verified address on XX/XX/2020. I asked for tracking information and was told they could not provide any. In XXXX I again contacted SLS as I had not received the escrow refund. I was told a stop payment would be put on the original check and a new check would be sent out. On XX/XX/2020 I again contacted SLS as I still had not received the escrow refund check. During that conversation I was told that no stop payment had been placed on the XX/XX/2020 check and that no new check had been sent. I was told that a stop payment would be placed on the XX/XX/2020 check and a new check was being sent out that same day ( XX/XX/2020 ). I asked for the check to be sent via expedited shipping and was told that could not be done. I asked for verifiable tracking information and was told that could not be done. I asked for the amount to be sent via direct deposit and was told that could not be done. I again contacted SLS on XX/XX/2020 as no check was received to date. During the conversation on XX/XX/2020 I was told that a check was not sent on XX/XX/2020, but a check was sent on XX/XX/2020. I asked for verifiable tracking information and was told there was none. I asked for the amount to be directly deposited and was told that could not happen. At that time I advised SLS they were directly in violation of regulations regarding escrow funds to be returned within 20 days and that I was demanding a check be cut, sent over night, and tracking information be provided. SLS was told that if these conditions were not met I would be perusing legal action against them. SLS responded that they would not put a stop payment on the check unless it was at least 30 days old and that they would not send a new check let alone overnight one or provide tracking information. To date no refund check which has supposedly been sent three times has been received. At this time I feel legal action is my only recourse. SLS stated they did not care when told I would be seeking legal action against them.

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 2022-05-19
Company: Experian Information Solutions Inc.
State: TX
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 recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and an authorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. 

Personal Information : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-05-19
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Company : Hyundai Finance I overpaid the balance of my loan because there was XXXX check not cashed by Hyundai when they provided me my balance in XXXX of 2021. After making 11 phone calls ( from XXXX to XXXX ) in addition to seeking help from Consumer Affairs, I was not successful in getting my refund. 
An attorney wrote a letter on my behalf and in XXXX and I received a check for {$5000.00} ; however they owed me {$5500.00}. There was no explanation sent with the check why the amount was reduced. I have called Hyundai Finance on XX/XX/XXXX and was told they owe me {$540.00} plus {$4000.00} with an explanation I didn't understand, but talked about deducting principal from $ XXXX. I called again on XX/XX/XXXX and was told they see my notes from XX/XX/XXXX ; however, no action has been taken. This entire 8 months I was not able to speak to anyone in charge, nor have they returned any calls from Consumer Affairs. 
I am not sure what kind of accounting practice they use, but I feel like I am an exploited senior. I had to cash the check to pay bills ; I was not accepting that as I was paid in full.

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 2016-03-22
Company: Stellar Recovery, Inc.
State: FL
Product: Payday loan
Issue: Can't contact lender

Complaint:
I need to know about this charge for {$300.00} on my credit report and need to remove it. This is effecting my security clearance with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Collections Enterprise , Inc. called several times at my work number, and I do not know where they were able to get my work number from. I told the collector that I did not want them to ever call my work phone again. After I asked for a formal letter of the debt, the collector was very rude to me and hung up on me.

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 2015-07-20
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Payoff process

Complaint:
Last year I accepted XXXX balance transfers from my XXXX credit card administered by US Bank. The promotional 0 % rate was to end with the XXXX 2015 statement which closed on XXXX XXXX, 2015 - at which point the interest rate would increase to 17.99 %. On the XX/XX/XXXX statement the remaining balances were listed as {$410.00}, {$1400.00}, and {$1300.00}. 

On XXXX XXXX and XXXX XXXX I paid {$1600.00} and {$1000.00} respectively to US Bank in order to decrease the amount that would be charged the high rate, believing that after the minimum payment was met the additional amount would be credited to the highest rate balances. 

On the XXXX 2015 statement I found that the {$2600.00} had been credited to other balances with 0 % rates. There were interest charges totaling {$51.00} on the XXXX balances in question whose interest rate had increased from 0 % to 17.99 %. Nothing had gone towards paying off these balances. 

On XXXX XXXX I called US bank. Both the initial customer service representative and her supervisor told me that the {$2600.00} had been paid too soon as the 17.99 % interest rate would not kick in until the XX/XX/XXXX statement and that there was nothing they could do to help me. I do not see how this can be correct as there was already a {$51.00} interest charge on these balances. I asked to speak to a Manager and was told that one would contact me, but no one has called. 

Could you please help me resolve this issue. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
XX/XX/2022 I applied for a credit card through capital one. I was approved for a quicksilver secured XXXX and needed to make a deposit of {$200.00} towards the card to receive it in the mail. I entered my savings account number and the {$200.00} was taken out of my account. When I called to change the mailing address for the credit card, capital one claimed, there was nothing under that name or social security number. After a week of calling capital one every day and getting no help, Im deciding to put this into my own hands as fraud or neglect because the {$200.00} was already taken out of my savings and capital one cant seem to find anything in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20
Company: Pinnacle Credit Services, LLC
State: WY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeatedly tried to contact Pinnacle Credit Services and XXXX XXXX XXXX over the last 2 weeks to pay off a {$110.00} collection from XXXX XXXX. Pinnacle tells me that the debt must be paid through XXXX XXXX, and depsite leaving multiple messages with XXXX XXXX XXXX, I have not received a call. I called Pinnacle again this morning XXXX XXXX XXXX ) and was informed that they had been sold to XXXX XXXX Services. I was able to speak with a supervisor at XXXX who informed me that I would still have to pay via Pinnacle, but all of the phone numbers for Pinnacle go directly to XXXX. After calling a third time to XXXX, a senior supervisor named XXXX told me that it would take more than a week to be able to pay that debt. 

I had no knowledge of this debt until applying for a home mortgage, and was instructed by our loan processor to pay it in order for our mortgage to go through. I am VERY concerned that by not be able to pay this small debt, despite attempting to pay it numerous times, that it will affect our home mortgage. I also doubt the validity of the debt itself, but am not going to get {$110.00} stop us from getting our house. 

I would like to pay the {$110.00} and be done, and can not believe that a debt collection agency will not allow me to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4700.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$220.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: TX
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 received a copy of my credit report and I have found the account listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX Balance : {$4200.00}

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 2022-05-19
Company: DISCOVER BANK
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:
15 U.S. Code 1692c - Communication in connection with debt collection, I XXXX XXXX, Consumer, am demanding Discover Bank to Cease and Desist communication with my consumer credit reports, I do not give any consent for Discover Bank to report to any Credit Reporting Agencies on my behalf.

Pursuant to 15 U.S. Code 1681a ( 1 ) ( d ) Discover Bank reporting to Credit Reporting Agencies is communication, and as of XX/XX/2022 I cease and desist Discover Bank communication. 

Failure to comply will result in many fines. Thanks, Best regards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-03
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Hello! My name is XXXX XXXX and U have a credit cash rewards card with US bank and I earned XXXX $ rewards card on XX/XX/XXXX and I never got it! Placed a multiple calls in XX/XX/XXXX, then in XX/XX/XXXX - hours on hold ... get transfers to differend departments and it seemed like nobody new what was going on. Finally got a call from supervisor 2 weeks ago and as per supervisor I would receive my replacement card within 7-14 days. Today is 15th day and I am in the Bank ( 1.5 hours!!! ) to find out if my replacement card was sent and same story - no one know what is going on!!! The card was n't sent to me, and nobody has an answer why. I am in the bank and they gave me a phone, I am on hold again ( XXXX person ) and I have to explain to each one over over hat happened, It 's so crazy! I am tired and I want to cry!!! I lost any trust to this bank and want to ivastigate what is going on in this bank, because all this way to fishy ... Thank 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 2017-03-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid XXXX medical collections and WAKEFIELD & ASSOCIATES stated I would receive a paid and full receipt upon payment. I have called multiple times and I keep getting the same run around that They have faxed my receipt in which I have not received. I paid with my debit card and have proof of transaction. The phone calls are recorded and should show as proof to our agreement in full. WAKEFIELD & ASSOCIATES have not validated my debt yet they still are reporting these negative accounts.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and an authorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. 

Personal Information : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Inquiries XXXX XXXX XXXXXX/XX/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 non-monetary relief