BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-19
Company: Receivable Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife XXXX XXXX was in XXXX XXXX Hospital from Thursday XX/XX/XXXX through Sunday XX/XX/XXXX. Without our request, the hospital admitted my wife to a semiprivate room on the XXXX XXXX. My wife is not a child ( DOB- XX/XX/XXXX ). We disputed the {$300.00} co-pay for the semiprivate room with the hospital with XXXX last name unknown on XX/XX/XXXX and XXXX last name unknown on XX/XX/XXXX. Both of them promised us a response from a supervisor at the hospital. We got no response. Instead we got a collection letter from Receivables Solutions , Inc,  XXXX XXXX XXXX, XXXX, South Carolina XXXX. 

We should not have to pay for a semi private room on a children 's ward that we did not request. Only the geniuses at XXXX XXXX Hospital can explain how my wife was placed in this room. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
First off I mailed all information showing I did not live at XXXX XXXX XXXX wv. I sent everything Equifax requested for a debt that was not miNE The address is still listed. Next I sent in complaint about accounts being re added to repors. Everything in my consumer complaint i mentioned. Equifax added it as a person quote thing on my credit report for potential creditors to see, I did not ask that it be added. Equifax has completed your dispute for Confirmation Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I make payments to American Education Services twice monthly. I have numerous loans both Federal and Private that they service. I make the payments in full that are listed on my account on their  website. I continue to get Past Due notices from a collection agency saying I have " {$0.00} '' or a negative balance Past Due. How is a negative or XXXX balance Past Due? I received notice in XXXX 2016 that they misapplied my payments after I did a short term deferment, however, I continue to get Past Due notices for no balances. If I am paying my payments in full every 2 weeks, how can I even have anything past due unless they are continuing to misapply my payments. I have contacted them on numerous occasions getting different answers, saying I need to specify what loans I want to pay with each payment or that they will look into it. I have done all of their suggestions and continue to get these ridiculous past due notices from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: HYUNDAI CAPITAL AMERICA
State: FL
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:
My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck. XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: SC
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 following accounts account name and account number has violated my rights 15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXXXXXX XXXX  account # 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 2022-07-07
Company: ADP Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This is a card loaded by a company we do business with based on sales I make with them, 'Wisely ' card issued by XXXX XXXX XXXX  XXXX. 
28 charges were made on this debit card that were not mine, total {$120.00}. Submitted dispute, company immediately replied 'No error. This letter serves as final resolution ' Mailed request for them to supply supporting documentation they reviewed, no response. Called, on hold for 20 minutes, hung up on. 
These were all XXXX charges. I contacted XXXX and they confirmed these were fraudulent charges since made by someone else, purchase of video games from email that was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: General Motors Financial Company, Inc.
State: FL
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:
My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck.
XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Chase Manhattan JP Morgan has decided to lend my debit card credit and charge overdraft fees as my account is in the negative by over XXXX the last two months, when I called to complain the fees where reversed, but I pointed out their is no real time banking and approval of ACH is not automatic as they noted as I tested their algorithm explanations by using XXXX XXXX for separate purchases that were approved and had overdraft fees. Over 25 % of my overdraft balance of XXXX is fees. Yet, ACH of {$5.00} is not approved or automatic preset debit through a payday loan. They do not have automated transactions for me as things posted on a credit card company take over 6 business days to post. Its hard to keep an account balanced if the algorithms change and there are no real time debit transactions to monitor the balance in real time Chase Manhattan XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX TALK TO XXXX CUSTOMER SERVICES REP ABOUT THESE UNAUTHORIZED HARD PULLS TO MY CREDIT REPORT AND SHE WAS NOT HELP TAKE CARE OF THESES NEGATIVE INQUIRIES REPORTING ON CREDIT REPORT

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 2017-08-19
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are two reporting errors on my current loan and credit reports. Exeter is reporting me late 30 days on XX/XX/XXXX and XX/XX/XXXX in the amount of {$350.00}. First, I was never late in XX/XX/XXXX as seen in the provided documentation. Second, I applied for a hardship extension in XXXX of XXXX and was told over the phone by a customer service representative that I could indeed push a payment to the end of the loan based on the fact that I had been unemployed but was currently reemployed and needed time for my payroll to start before I could make a payment. One can clearly see that XX/XX/XXXX is missing from my payment history and there is an extension notation on the right side of the provided documentation which accounts for this. This however has nothing to do with XX/XX/XXXX which clearly shows as paid. I believe these two months to be mixed up somehow. When I called to have Exeter correct this information I was told by a manager that it was illegal for them to correct any reporting to the bureaus. This call occurred on XX/XX/XXXX with XXXX XXXX ; I asked her where specifically it was stated to be illegal to correct erroneous information according to the FCRA and she proceeded to tell me : " that is just how we do business at Exeter and it would not be fixed ''. I then asked her if our call was being recorded, she said it was. I am currently getting my credit in order to buy a home and so have just recently noticed these inaccuracies. Had I noticed sooner I would have taken action sooner. Thank you for you help I certainly need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I would like to ask you to reconsider my application for your Personal Line of credit. Application Number : XXXX. 
I recently applied and I was rather surprised to receive a denial regarding my application. Due to the numerous positive reviews shared by my family and friends with respect to this bank I would like to share some more information with you in hopes of obtaining an approval. In your letter, you listed that the reasons for the denial were : too many financial obligations against income. 
My income is $ XXXX. I have no idea why my income is an issue. I make more than enough to cover my monthly bills and then some. 
This doesnt make any sense when all of my cards are under 30 % utilization. For example, I have a $ XXXX credit limit on my XXXX XXXX XXXX XXXX cash rewards is only $ XXXX, which is 15 %. My XXXX XXXX card is {$200.00} balance out of {$3500.00}, which is only about 6 % utilization. The {$5000.00} personal line of credit will prove especially useful to me. Not only did I rebuild my credit within 6 months, but my stock portfolio weighs in at {$39000.00}. I also have accounts with XXXX XXXX, PenFed, and XXXX XXXX XXXX. If you are willing to give me a chance, you can even start me with a low credit line of {$5000.00} so I can prove to you my reliability and loyalty to this bank. My account balances are in excess $ XXXX to show Im worthy. I thank you for your time and reconsideration and I hope to hear back from you soon.

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 2022-02-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX is alleging i owe a total balance of {$64000.00} on my home when in fact i only owe {$37000.00}. Ive called and spoken to many agents and was told I got a loan modification. I never agreed to or knew about a modification to my loan and after further review the agent PLS XXXX stared she does not see anything showing a modification or paperwork showing A modification in her system. I have called multiple times to get any type of paperwork showing the modification and terms where the other {$27000.00} is coming from but no one including the supervisors have been able to tell give me any info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We surrendered our home to previous mortgage holder in XXXX of 2012.  Ocwen financial bought the mortgage and refused to honor a died in lieu of foreclosure. Ocwen, by misplacing or loosing our paper work caused us to go to foreclosure we attempted to work with them submitted paper work on 3 times, but they refused to examine our paperwork, we tried to work with them for years submitting died in lieu paperwork. They kept delaying on us until we had a a foreclosure date and told us that they would not examine our paperwork because the foreclosure was going through anyway. My wife and are both XXXX and this has taken a visible toll on our ability to obtain credit and to find rental housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
I was one of the Equifax data breech victims ( XXXX XXXX XXXX ). I would like Equifax to be held responsible if my credit or financial state is negatively affected by this case. Please place an initial 90 day fraud alert on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Franklin Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, i was relocating to From XXXX, back to XXXX.I called up XXXX XXXX  and told them i was relocating and that i don't know the address just yet. They have put my account on hold till i get my place set up. This way no new charges will accrue.Once i established my residence in XXXX, i called up XXXX  XXXX  and set up an appointment for them to come out to install my service at my new residence. When they came out, they informed me that they could not set up my service at my new residence due to no signal in my area. Apparently, there were a lot of trees and buildings interfering with the signal and had no way to install it. So i called up customer service and informed them of the situation and was told since this is the case, then they will have to let me out of my contract due to weak signal in my area. I was told i would not get an early termination fee due to this.The installation guy did confirm this.When i received my bill, i kept receiving charges for an early termination fee and kept fighting to get it corrected.Also there were charges for the satellite boxes that were returned.In XX/XX/XXXX, i called again and talked to a supervisor that finally took the charges off my bill. My bill showed i owed {$0.00}. I return all 3 boxes back to XXXX   XXXX  at the XXXX store which i enclosed a copy of the receipts for all 3 satellite boxes.I assumed everything was good because i have not received any bills since then. Now a year later,XX/XX/XXXXi received a bill from a collection agency, stating i owe this amount for XX/XX/XXXXXX/XX/XXXXservice and is threatening to put it on my credit report. This debt had been cleared from XXXX XXXX a year ago! They are trying to collect on a debt that had been cleared by XXXX XXXX. I should not have to pay for services that i never received due to no signal in my area.This is a violation of my rights under the fair credit reporting act! It is illegal for the company to sell a debt that was cleared and not owed! This is fraud! I have a receipt for the satellite box returns. If they go back to XXXX XXXX and look at the notes dated in XX/XX/XXXX, they will see that the charges were in fact taken off my account. Its not my fault they could not get service set up for me at my residence! They assured me that the charges were taken off and i owed {$0.00}. Don't they look at their notes on my account? How can they reopen an account that was cleared out after a year? This has just happened to because in the course of the year i had got no communication regarding this debt, and all of a sudden now.It seems like someone added this bill back to my account! This is not right and want to file a complaint against this company for unfair credit practices! They can not sell a debt that was cleared by the original company!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Tuesday XX/XX/XXXX I received a voicemail from phone # : XXXX which stated there was a complaint filed against me, he was with the law department with recovery services and that failure to comply will result in further litigation. I called back after the voicemail and was worried. They provided information about a loan I received in XXXX. They knew my previous address information, bank name, ssn, and the amount of the loan. I repeatedly asked for some type of documentation and was told their client will not allow them to send anything else because 14 letters were sent to my previous address, which I did not receive. On XXXX XXXX they called again. Staying I would be summoned if I did n't pay. I continuously asked for some type of documentation but they refused. On XXXX XXXX I received another call which was an automated message stating that they are now taking further action and getting my current address and job address to serve me. I held the line and then was connected with someone. After going back and forth for about 15 minutes, being told I would have to get a lawyer and go to court for bank fraud, I contacted my grandmother to see if she would help me with the payment. The girl over the phone said after the payment was received then we would receive an email in 15 minutes. After an hour of no email, I called back and all the calls went straight to voicemail. I then called the cash store headquarters and was told they sold my information back in XXXX, But that sounds like a scam. They provided me with the phone number to who they sold my debt to, XXXX but they did not answer and I left a voicemail. Now my grandmother is out {$320.00} and paid a scammer. I 'm concerned about what they will do with her information next.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had my vehicle stolen in XX/XX/XXXX that was recovered by the XXXX XXXX Police department approximately 10 days later. My vehicle had been towed to the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX. 
When I went to the XXXX XXXX XXXX yard to recover my vehicle I was devastated to see that the tires were missing, the seats were gone, the glove box and interior was stripped and all my personal belongings in the car were gone. I advised the rep working for the tow yard that I had no interest in the vehicle at this point as the accumulated tow fees exceeded the value of the vehicle at this point in time and was releasing myself of any and all liability on the vehicle and that the paperwork on vehicle was in the vehicle which they would not allow me to retrieve. The rep stated that was fine if that's what I decided to do. The only notification I ever received from the XXXX XXXX XXXX company was the notice of auction. A few months later I received a collection notice from IC Systems XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX XXXX dated XX/XX/XXXX indicating that they were attempting to collect a debt for XXXX XXXX XXXX company in the amount of {$2700.00}. I spoke to XXXX employee ID XXXX at IC Systems on XX/XX/XXXX and filed a dispute since I had never received any type of billing notice from XXXX XXXX XXXX. I was advised that a billing statement would be requested and sent out to me which to this date I have never received. I spoke to Mr. XXXX on XX/XX/XXXX and was advised that he would escalate the request to his Manager to have a billing statement sent out to me which I have not received. I spoke to XXXX at XXXX XXXX XXXX on XX/XX/XXXX whom was very rude she indicated that the vehicle sold at auction and I am responsible for the towing and storage fees on this vehicle. I wanted to know why wasn't a bill ever sent out to me and she stated that one was sent but would not verify the address or date it was sent. 

If any additional information is needed please let me know. 

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