BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-09
Company: RSH & Associates, LLC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX has reported a debt from RSH and Associates for {$2300.00}. I called and inquired about the charges. RSH purchased debt from XXXX, now no longer in business. I never ordered or received the sleep equipment that the current creditor ( RSH ) claims that I received from XXXX. I spoke to RSH representative XXXX XXXX at XXXX. I asked XXXX for documentation with itemization of the bill to provide me, since I never received any sleep equipment. XXXX XXXX stated " I 've noted your account that you are disputing charges, but we will not delete it ''. I then asked if I could get a copy of the original invoice, he told me that they were not required to provide any documentation from the creditor regarding charges owed. When I asked to speak to a manager or supervisor I was told " that is not an option ''. XXXX said the manager said he refused to take the call. He would not provide the name of his manager and hung up on me. Without any documentation of the creditor services, equipment or charges this item should be removed my XXXX credit report altogether according to my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Paramount Recovery Systems, L.P.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I for one never recieved a bill on this debt and for two i called the hospital where the debt is from and they said they dont have any outstanding bill for me because i never even went to the er at or around this time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 
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 an account without my written instructions Inquires 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. 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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX 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 non-monetary relief
Consumer complaint received 2020-06-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no knowledge of said debt, nor have I received any notifications to pay said debt.

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 2015-11-25
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Southwest Collection Systems, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, filed a collection notice with XXXX credit reporting agency in XXXX XXXX without any communication nor validation of the debt. The debt was originally satisfied in XXXX with XXXX through the return of equipment - which was validated by XXXX when they attempted to have me switch back to their service in XXXX XXXX. Southwest has not called nor provided any information regarding the alleged debt and can not be reached by the numbers provided to XXXX. A review of consumer complaints shows a pattern of aggressive tactics by this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is with XXXX XXXX. After finished 18 months of Covid-19 payment deferral, the bank for this mortgage-Bank of America should send me a mortgage modification with 3 trail payments. They did send me one. The response date was XX/XX/XXXX, but I received it later, this date already passed. So I called about the end of the XX/XX/XXXX on number on the letter XXXX. The Customer Service said she will resubmit the case for me, I should receive a letter, but I never got it. So I called back, they did same thing several times. No result. 
At XX/XX/XXXX, I called back again. This time they let me call XXXX, it turns out that I need to submit a Mortgage Modification form. At XX/XX/XXXX, I submitted the form, for my great surprise, I saw my house will be in action at XX/XX/XXXX on 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
Consumer complaint received 2016-10-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Thursday XXXX/XXXX/2016 I was traveling for work. There was a billing error at the hotel I was staying at and a hold was placed on my Chase account fro my business hotel stay. I addressed the charge w/ the hotel ( {$1000.00} ). The hotel immediately issued a credit and gave a confirmation/authorization number of XXXX. 

I then contacted Chase Bank to ask them to release the funds based on the reversal of the charge. Upon making the request the bank denied to remove the authorization stating that it will automatically fall off after XXXX5 business day turn-around. 

I had the confirmation number so I asked if that could be expedited. I was transferred to a second department and was privy to a " behind the scenes '' conversation as the XXXX reps talked about my account and situation unaware that I was conferenced in. 

While hearing the XXXX reps discuss the issue I overheard that this was not going to be approved because I did n't maintain a high enough average daily balance. This argument did n't play for XXXX reasons : XXXX. I had a representative from the hotel explain the situation and give the verification number for the charge reversal. This alone should have been enough for Chase to allow access to funds XXXX. I have a $ XXXX overdraft protection account with Chase so even if the funds were given and the charge still went through, they have offered protection for just such an event I spoke w/ too many employees to count and prob lost my cool once too many times, however today is XXXX and I just received a call from a manager named " XXXX '' who called for the express reason of telling me that my request could not be honored. I asked him again to explain and he cited " Government Regulations ''. I asked for what regulation he was referring too ( I am not aware of any regulation that keeps banks from allowing access to proven returned funds ) XXXX could not site any regulation and when asked to escalate the call he refused stating that there was no one else to talk too. 
I am sure that XXXX did have a manager and that XXXX manager could look at the situation and make an exception based on the entire situation. Instead the entire organization turned a blind eye to an account that had been cleaned out by error and a flat out refusal to assist even when the facts indicated no reason not too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been requesting a loan modification from my bank Chase Bank for the past XXXX years and have been rejected each time. Their statement is that I can pay the mortgage even when I have presented them with documentation of my hardship. I am now resubmitting another request for a modification with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX is reporting I haveSERIOUSLY DELINQUENT ACCOUNTS -- FALSE STATEMENT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported are inaccurate and erroneous and are leading to negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. I was never late on these accounts. The late payment shown is in error. Please check payment records and provide documentation why these are reporting as late payment. These are good standing account. Again, please verify these immediately and correct the reporting error! 

TD BANK N.A. XXXX Late Dates XXXX, TD BANK N.A. XXXX Late Date XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25
Company: LDF Holdings, LLC
State: RI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I already paid {$740.00} on a {$300.00} loan with another {$400.00} to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Bread Financial Holdings, Inc.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My account was marked as restricted and Ive been unable to move or withdraw funds since early XXXX. I have thousands of dollars in this account that I am in serious need of and CAN NOT ACCESS. I spoke to them on the phone numerous times and sent numerous messages through their customer support chat. I was told the restriction would be removed by XX/XX/XXXX. This did not happen. I called many more times, and the issue was never resolved. On XX/XX/XXXX, I requested to close the account and have my money withdrawn or transferred out. I was given no response. I filed a complaint via CFPB, and they responded on XXXX indicating that they would close the account and return my funds, but this also did not happen. No one from the bank has attempted to contact me, and I'm unable to get through to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: STATE FARM BANK, FSB
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: Credit inquiries on your report that you don't recognize

Complaint:
I have two inquires from STATE FARM BANK ( Inquiry : XXXX XXXX, XXXX ) and XXXX ( inquiry : XXXX XXXX, XXXX ) I am not liable for and its showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I lost my job and already paid 12 years on loan then citi modified me for a 40 year loan and they have the right to part of my retirement this does not help it hinders I tried everything Citi wants me to move out because I ca n't afford it I want to keep this home I have been there for 16 years

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 2022-04-18
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally Auto. In the beginning I had problems with calls about other clients because their last name was like mine XXXX. It hot so bad the gentleman got mad because of the questions I was asking because I felt they were cheating me and there has to be an American and Foreign company. I get calls about stuff anyone that can bring up my account should see. I was even told that I had 2 accounts. When I argued that, the next morning my car was repossessed and it cost me over {$3000.00} to get it muddy..items..money stolen..flat tire. There was {$400.00} plus dollars applied to my account towards interest because the didn't expect it. Well I didn't send it. Then it was from a claim against Ally payout. Lie..now my bank account is being over drawn because they told me in XXXX that my Catchup Plan was canceled because the payment of {$630.00} was returned. I called rep told me that the payment was taken in XXXX because there wasn't enough time between XX/XX/XXXX to XXXXXXXX XXXXto stop the withdrawal..Lie. For the last 3 months they have been overdrafting my account... calling me. I caed back for XXXXonce I started telling XXXX what was going on he hung up on me. No call back yet. If you look on their Messenger page I have sent multiple messages, all they say we passed it on. Yesterday a female from the Foreign company called asking me for {$900.00} I let her have it. At 1st it was {$1500.00} .I paid {$500.00} on XX/XX/XXXX after they took {$630.00} on XXXX XXXXthen they turned around and took another {$630.00} on XX/XX/XXXX. I'm a 100 % XXXX, unemployable retired XXXX veteran. I only get what the government sends me. Ally has no integrity. Those employed lie on both ends. I have the full name, extention, date and time she told me there wasn't enough time to stop the withdrawal for XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
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 fraud alerts or security freezes

Complaint:
this is the 3 rd I have requested to have my Credit Freeze removed from my file My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please remove any and ALL Blocks/Freeze from all my credit reports. 
DOB XXXX SS XXXX I have attached my ID and SS card.

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 2016-10-09
Company: Senex Services Corp.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from Senex in XXXX stating that I owed XXXX dollars for a medical bill from XXXX. Being that the bill was from XXXX Hospital ( XXXX ), I was suspicious. I 've been living in XXXX since XXXX XXXX and could not have charged any medical bills in XXXX during the referenced time period. I requested additional information from the credit agency and informed them that the bill was not mine. I was informed that they would request a signature from the hospital and send it to me in order to verify if I was the person that signed for the referenced service. As of today, I have yet to receive this information. In addition to reaching out to collection agency, I contacted XXXX to dispute the charges that appeared on my credit report. After 3 weeks, I received a response stating that the investigation was closed and it would remain on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
refused to issue me a new card even tho it expires in less than a month. when they do get around to sending, as per their supposed process with only 2 weeks left, they send it with no tracking regular mail, then refuse to assist in anyway towords getting a new card in the customers hands. the account is tied with my payroll so now i can not get any paycheck or pay billes until they get around to honoring their commitment. They refused me contact with a supervisor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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 U.S.C 1681. 

CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I contacted XXXX XXXX on XX/XX/2022 in regards to my 2 installment loans. I informed them that I had recently suffered financial due to being unable to earn income while I deal with XXXX XXXX here in XXXX. They entered me their " Temporary payment and interest rate reduction '' program. During this time I had also requested for my due date to change so that it would be easier for me to make my payments. The female representative said that is not a problem. 

Fast forward to late XXXX and I am not feeling well but have my payments on autopay. Then on XX/XX/2022. My FICO score drops XXXX points. 

I contacted XXXX XXXX on XX/XX/2022 @ XXXX to discuss XXXX XXXX account # XXXX. He then transfer me to a Supervisor named XXXX @ XXXX on XX/XX/XXXX. 

She informs me that 1 out of my 2 payments was returned by my back. And I informed her that I didn't receive a letter from XXXX XXXX about the payment return. XXXX then continued to say that XXXX XXXX sent an EMAIL and tried to call. I told her that I didn't receive any voicemails or emails ( maybe they went to Spam ). She then put me on hold to talk to her manager and returned @ XXXX. 

I tried to explain to her that XXXX XXXX needs to remove the 30 day late on my credit report since I was not late and had asked to change my due date in XXXX. XXXX said no and that my 30 days late accrued on XX/XX/XXXX. I tried ( close to 1hr ) explain that did everything I could to avoid ever receiving a late payment on my credit file. XXXX basic said to me that it's not XXXX XXXX problem. And was very insensitive to me. 

After doing some research I realized that XXXX XXXX is in violation of the Cares Act and these other laws below : In accordance with the Fair Credit Reporting act 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 tre
at a payment on a credit card account under an open end consumer credit plan as late for any purpos
e

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 2016-01-15
Company: Cedars Business Services, LLC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted in XXXX of XXXX by a Cedar Financial that I had a {$330.00} ticket stemming from a trip to XXXX in XXXX of XXXX. He threatened to report it to my credit when I said that I never was pulled over or was issued a ticket. He said that I was photographed in a high congestion area and that I was given a ticket that now had several late fees associated with it and I had better pay it now. They have called me incessantly since, even after I told them that I needed to see evidence and I certainly was n't responsible for late fees when in good faith, I had no knowledge of this ticket and dispute that I was in that area.

Company response to consumer: Closed with explanation