BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-18
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1 ) American Medical Collection Agency is attempting to collect {$230.00} for services I never received. The amount in dispute stems from a botched XXXX XXXX conducted by XXXX XXXX, in which improper procedures were followed and the results were invalidated. This resulted in my doctor having to order additional XXXX XXXX with another company and additional expense to myself. Both myself and my doctor 's office have attempted to resolve the matter with XXXX XXXX Directly. Upon each attempt to speak to representatives by telephone, we found their customer services agents completely befuddled and unable to cope with a simple request of correcting an erroneous bill. Due this absolute ineptitude on the part of employees at XXXX XXXX, the " usual procedure '' of " rolling '' unpaid medical ills into debt collection in order to intimidate payment out a consumer has occurred. However, the company has an obligation to only bill for services it actually has provided as well as correct bills that resulted from botched testing ( in which test results were found to be obviously invalid ). a ) The specific problem with the testing was 1 ) my doctor ordered two XXXX XXXX that were to be repeated 7 days apart to determine my reaction to a XXXX By XXXX 's mistake, both blood tests were done at the same time ( the same tests were performed at the same time ). Yet, the results of these two tests were wildly different, despite the fact that they were made from the same blood taken at the same time. So, XXXX botched the XXXX XXXX in two ways, and both myself and the doctor 's office have asked that they remove these charges from my bill. 2 ) I have explained the problem in letters to both XXXX XXXX and American Medical Debt Collection Agency.  Both of my letters on this matter have been completely ignored and not responded to by either firm. 3 ) After receiving an initial letter from American Medical Collection Agency, I requested verification of this debt. They have failed to provide this in violation of state and federal law. They did respond to my new address and by providing me a copy of their permit to collect in N. Carolina ( which is evidence that my letter requesting debt verification and request was received by them, yet ignored ). 4 ) The XXXX/XXXX/XXXX debt collection letter I received from American Medical Collection Agency contains illegal bullying tactics in that it has the phrase " Credit Record Reporting ... ..Credit Record Reporting '' printed in multi-color ink running vertically along the right hand side of their letter multiple times. As you know, Federal Law does not allow for the credit reporting of illegitimate medical debt, and such reporting can also not be attempted by law until at least 18 months from the transaction date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: SYNCHRONY FINANCIAL
State: NV
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We received several emails from Synchrony Bank on XX/XX/2019 about trial deposits being made and action needed on my application. Since we did not apply for any accounts or attempt to link any accounts we tried to access our accounts via the banks app and website without success. We attempted to contact them through support email, chat and at least six phone numbers. Chat was down, ALL phone numbers reported being disconnected and we did not receive any email response. It appears to customers that Synchrony Bank has been hacked and is no longer in business. What is going on and why have they not issued any information to their customers?

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 2022-01-19
Company: EQUIFAX, INC.
State: CA
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 contacted all the companys that and auto dealer ran my credit without me even knowing or in the market of purchasing and auto this happened all in XX/XX/XXXX with XXXX XXXX in XXXX XXXX California Second was XX/XX/XXXX XXXX XXXXl Third tried same day XX/XX/XXXX with XXXX XXXX XXXX. Theres a four tried with same dealer date XX/XX/XXXX again with XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX again with XXXXl XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: JPMORGAN CHASE & CO.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I WAS A VICTIM OF IDENTITY THEFT, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, JPMCB AUTO, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TekCollect Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The XXXX XXXX XXXX XXXX does not have a record of our original contract and is trying to collect {$5400.00} on a membership which we quit back in XXXX XXXX XXXX 

The issues are that the card that was being automatically charged had been closed due to fraud, and also the home phone line was discontinued as we were no longer using the hard-wired telephone and transitioning to an all mobile phone plan. XXXX claims that they left messages, which can not be done to a phone line that has been discontinued, and also that they sent emails, which they are not able to provide us with proof of said emails. And there were no hard copy statements mailed to our home, less than XXXX mile away from the XXXX location. 

Additionally, I personally visited with staff to discuss the issue because my ex-wife had claimed that they were rude to her on the telephone to offer a resolution just to remove this scar on our credit report, offering an amount of {$2000.00} to make the problem go away, and this was refused. At this meeting, the person in charge of memberships stated to me that there was a lapse in accounting methods at the club because of a transition to a new accounting software. Also at this meeting, this same person looked into whether any of my family 's membership fobs had registered at the front desk after XX/XX/2016 and could not find any member log ins into their system. I was offering the {$2000.00} as a good faith gesture but am now incensed and will fight the collection claim as I see it as bad business practices, extortion, and an attempt to defame our credit. 

You will note on the member profile billing office pages that they have the incorrect email address " XXXX '' identified, perhaps this was the issue why no emails were received as the proper email address is " XXXX ''. The email was misspelled and perhaps this happened in the migration to the new software. 

I believe that if there was an inquiry audit into the bookkeeping and collection practices at XXXX XXXX XXXX XXXX, that there would be ample evidence of bullying, poor record keeping, horrible or non-existent customer relations and communications, bad business practices, and defamation of credit to their past members who have left the club. 

The attached paperwork sent to us, along with the amount due, does not display one communication letting us know that our debit card was not successfully paying the amount ( after the fraud occurred and we were issued a new card ), there are not hard copy letters of communication about an amount due with our home address on them, and there are no copies of any emails sent to us. And, they do not have our original contract on hand. 

Sincerely, Unsatisfied Customer

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I got hurt at work and was put on workers comp in XXXX of XXXX. I told them that it happened and asked them to lower the payments or work with me til I get back to work or get a settlement to pay off the car. They told me no they couldnt, I asked if we could refinance it since I had it over a year and was told no on that as well. I got hung up on multiple occasions trying to work it out. They were just no help. It was my only car for transportation and left me with no vehicle to get to my appointments and stuff I had to do. So I have been trying to get rides to all of that. I then called them about the voluntary repo since they werent going to work with me. Got hung up on again. Then they would call me everyday just asking about the payments that were due. I told them that I was trying to do the voluntary repo. They would transfer me to someone and get hung up on. Tried doing the voluntary repo in the beginning of XXXX and never got a response from the company to get it. Finally got through to do a full conversation of the situation and they told me they cancelled the voluntary and were making it a repo from them. Finally got the car picked up yesterday XX/XX/XXXX. Long story short I wanted to keep the car I tried every way possible to keep from hitting my credit and messing my life up more when Im already in a bad spot with workers comp and now possibly being permanently XXXX. I was fully honest and let them know everything I was going through and the whole situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notification that Convergent Outsourcing placed a Collection Account on my Credit Bureau File - Apparently it was from XXXX. 
1. I never went into default with XXXX. I have been paying XXXX directly. 
2. The amount listed as an end balance is not correct.I never owed XXXX {$540.00} 3. XXXX should be refunding me for their terrible unreliable dropped calls service! 
This company whoever they are have never sent me a letter or gave me the opportunity to dispute incorrect account.

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 2019-07-30
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Somebody name XXXX and XXXX somehow hacked into my XXXX XXXX to where when i got paid from my job through direct deposit, the money went straight to their card which was never linked to my account. XXXX XXXX then stopped the transaction for security purposes because they hacked into my account somehow and tried to change my information to theirs. Now XXXX XXXX has closed my account and said the only way i can get money off is to link a debit card. But when i do they reject the debit card and i still cant get my money off my XXXX XXXX account which i really need. And they have continued to try and hack my account! I know theres something that can done in order to get my money that Ive worked for!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
XX/XX/2019 a late payment was incorrectly reported to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX and Transunion are reporting incorrectly a collection on the XXXX partial account number XXXX in the amount of {$12000.00}. ( Please see pages 36 and 37 of the attached credit report. ) These student loans have been consolidated and therefore not be reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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 XXXXXXXX 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 2022-02-03
Company: FISERV INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received collections notices from them for charges that were fraudulent and not mine. Back on XX/XX/2022 I was a victim of identity theft. Someone Hacked into my email and my bank account, as far as I know no other accounts as of yet just those two and they made each transactions payments to XXXX XXXX. They used my information name, address and bank account to make these act payments. I immediately let my bank know via phone as soon as I saw the compromised activity, they immediately blocked the payments and did not pay out. I had to then go to branch and open new accounts and they suspend the other accounts to prevent more fraud and protect my money. I thought it was solved once I did that back in XX/XX/2022. I then received yesterday 6 notices with my apartment missing so it got to me late from TRS Recovery services, letting me know that I owe all this money for lyft. The letter states I can call, mail or fax or process a fraud dispute online. So I called them, spoke to several representatives that let me know I can process the dispute online. I went online and the site was asking for my social, date of birth and drivers license. I don't know why that was necessary. I told them I would fax my information over with proof from the bank that it was fraud charge and not paid. I explained over the phone to them I was doing this and said it would take 30 days. This incident happened on XX/XX/2022 and the letter was send out on XX/XX/2022 to the wrong address missing my apartment number so I didn't receive it. Explaining over the phone it was not me and I had bank proof wasn't enough they wanted me fax or mail. I feel they seemed very XXXX  and I'm worried by me faxing this information to them, my information will be compromised some more, so I limited the information that was sent and sent them the fraud form they provided and had it notarized with my bank statement. I want them to please stop harassing me I had sent everything they needed and I also wanted to make sure they are a legit company. I also tried making police report but they stated since my bank never paid they can't do a police report because I lost no money and I changed my bank account and login bank information they told me the bank statement and letter from bank was enough.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 applications of RESPA statutes to all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to Transunion, XXXX and XXXX by XXXX, XXXX and XXXX XXXX. ( ref to complaint XXXX, missing primary documentation submitted through CFPB XXXX XX/XX/2022 )

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 2022-07-05
Company: Bread Financial Holdings, Inc.
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I have been calling Comenity Capital Bank for about a week and the phone system always says high call volume, try again later. I also tried logging onto my account to transfer out the funds, but when I tried to log on, it said something like " account inactive ''. Since I have no access to the company and my accounts, it is not possible for me to withdraw the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear XXXX / Cfpb ; I'm not sure where to take this anymore, but for the last 3-4 months I been deliberately trying to reach out to the department of education, credit bureaus in regards to negative entries on my credit report and no one seems to help. It's been more than 90-120 days and the creditor, and the credit bureaus have both failed to report. It's impossible that these student loans were verified because it continues to report incomplete, inaccurate, erroneous information on my credit ; & it's basically an unverifiable account. Plus i have never gone to college or universities in the USA - These accounts as i stated before doesn't belong to me and i'm not liable for me. Also, after several research into this matter, through the ftc and cfpb website, i noticed that several student loan servicers were sued for mismanaging for not handling the accounts properly, and then falsely reporting information on an individual credit report.. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2017-08-22
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Upon investigation, XXXX contacted me with information stating that the debt was sold to a financial firm, Sherman Financial ( XXXX ), and that the balanced in 2010 was {$2000.00}. They also stated that there was never a judgement placed against me for the debt and to contact the firm. When I called SF,  they proceeded to tell me that though the bought the debt, it was being handled by XXXX XXXX and Associates ( XXXX ). When I told them that I was never served and the amount expected was way beyond what was due, they stated that I probably was n't served and should contact the law firm. When I spoke to an associate for the firm, he stated that I should refer my call elsewhere or see them in court despite knowing that they never served me in order to have this judgement placed against me.The only one who has given me an accurate account of the alleged debt figures was XXXX and I 'm under the impression that I have been a victim of fraud by these firms in this matter.

Company response to consumer: Closed with explanation