BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-07
Company: Adler Wallach & Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to XXXX XXXX on XXXX/XXXX/2015, to get a root canal. The policy of this dentist office is to pay your bill in full before services are rendered. I signed a contract with the dental office and paid all monies due and requested in full. The dental office for some reason sent my account to a collection agency stating that I owe them {$420.00}. I do not owe them any money. They got all their money upfront. Somebody has made a mistake and I need this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/21, I received checks from TD bank welcoming to their bank. I never set up an account with TD Bank. I called TD Bank and spoke to XXXX in the Fraud Department who advised that I call the 3 main credit reporting agencies and freeze my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: KEYCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/21, unauthorized ach withdraw for XXXX XXXX Called to notify and get money back. They issued me a new card and said I half to wait 10 days for REFUND. Gave limited info on who took money. Only told me name XXXX, and last for numbers of account. 10 days past, no results. 
Feel no actions taken by bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: IQOR US INC
State: MI
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 have XXXX parent plus loans to pay off. This company has added XXXX additional fees to each loan totaling {$13000.00} Extra they are collecting on the plus loans and the fees go up each month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: Automated Accounts Management Services
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to AAMS LLC requesting specific information to validate the accounts theyre reporting on my credit report and have yet to receive that information. They are violating my HIPAA rights! They are reporting medical information without a HIPAA Authorization form which is illegal. How are they able to get my private medical information without my consent? I am ready and willing to file litigation if this matter isnt fixed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I went to Chase Bank on XXXX, CA XXXX on XX/XX/2017 to apply for a chase sapphire reserve credit card. I was approved and received the card about a week later. I had been using it regularly and when I tried to use the credit card again yesterday it was declined. I thought this was just a random one off issue and tried using it again the next day and got declined again. I called into customer service and was told that my account was closed, I went through fraud verification who told me they could n't tell me the reason and transferred me back to customer service who told me again I could n't be told anything and would have to wait to get something in the mail. Finally after speaking with a supervisor they advised that my credit card had been closed because they were unable to verify the fraud alert on the file. When I applied in person I gave all of my information and the underwriter on the phone asked the personal banker to speak with me and asked me questions to clear my fraud alert including my name, address, social, trade lines, date of birth, and other information. I had 1 missed call from Chase on Monday at XXXX my time and was at work and could n't answer, this apparently was them trying to clear the alert again. Now I am being told that my account can not be reopened at all because of this fraud alert. I put this on my credit to protect against identity theft. Nobody that I speak with is willing to help me and I was told that talking on the phone is not going to accomplish anything and there is nothing anybody can do. What kind of customer service is this on an issue that Chase messed up on? I already verified my information and even went IN PERSON to ensure I could provide all the necessary information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: PENTAGON FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received a credit monitoring alert that there was an inquiry to my XXXX  Credit Report from a company called PenFed Credit Union. I noticed other similar inquiries on the same day from other entities. I feared I had become the victim of identity theft, and in fact that is exactly what happened. I had several home loan and personal loan type applications made in my name across several companies. 

I called PenFed on XX/XX/XXXX to inquire about the inquiry, and they had no record of it. The rep I spoke to was in the Home Loan department, and indicated it might have been another type of loan, but those departments would not be open until Monday. 

On XX/XX/XXXX I put a fraud alert out on my credit report, I also froze my credit reports, because I feared the inquiries would not stop unless I took this action immediately. 

On XX/XX/XXXX I called PenFed again and spoke to the personal loan department, and the credit card departments. Neither of these departments had any indication that I had applied for a loan with their company. I asked to speak to the fraud department, and I was told they were internal only and that they do not speak to customers. 

Later that week, maybe XX/XX/XXXX, I called again to follow up. Thinking maybe it would take some time to get into their system, but again the rep had no records indicating I had applied for any financial product at PenFed. I worked on the phone with the rep for over an hour creating a report for him to send to the Fraud department, who was supposed to get back to me within 2 weeks. They never reached out.

Meanwhile, since they had no record, I figured disputing the inquiry at XXXX  would be no issue, as they clearly wouldn't be able to validate the inquiry. My disputes to XXXX  on XXXX, XXXX, and XX/XX/XXXX were all denied saying they had validated the information with the lender and that it was a legitimate inquiry for a loan. 

On XX/XX/XXXX I received a letter from PenFed indicating that they have denied my ( fraudulent ) Personal Loan Application. However, they are obviously still treating it as a legit loan application and not as fraud as they have been alerted to on numerous occasions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: I.C. System, Inc.
State: NY
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:
IC SYSTEMS IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT I didnt open any of these accounts and I am a victim of ID Theft Please see the attached FTC report and remove these accounts from my credit

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 2017-02-21
Company: JP RECOVERY SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have already filed one case against them ( XXXX ) to which they responded and said it is n't them. I have video recordings of the voice call to show their number. They have since changed their number and are calling and harassing me at work again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2021-07-30
Company: Bread Financial Holdings, 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 information incorrect

Complaint:
There were about {$7100.00} in fraudulent charges on my Comenity credit card which Comenity did not hold me responsible for, but they did assess late fees and interest on said fraudulent charges. On XX/XX/21 Comenity said they would remove the account entirely from the credit reporting agencies, however, they did not. All three major credit reporting agencies continue to reflect the account and continue to report up to 60 days late!! 

I continued to make payments on the account for the charges I DID authorize but am still being penalized!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I regularly check my credit and credit scores and have worked hard to maintain excellent credit. One day I saw that my score was lowered significantly and I saw there was a collection agency listed under my accounts for a last due amount from XXXX XXXX. XXXX  wont assist me, stating that the debt is. I longer theirs and can not be adjusted on their end and the collection agency can not be contacted. I can not find a valid contact number for them. I never received a bill from XXXX  or a notice of debt or an attempt and collection from the agency. I disputed this with XXXX  and XXXX  who will not remove it. They say it is valid but wont say how they came to that assumption

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received a notice of right to dispute this collection account I am not sure what this is for. I have sent a letter to the company disputing the collection account found on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have went back and forth with Transunion, XXXX and XXXX in regards to hard inquires removed after not having any help with the creditors who ran my credit without my consent. I have disputed these inquires and was unsuccessful.

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 2015-04-09
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX sold my mortgage to Specialized Loan Servicing effective XX/XX/XXXX. All the terms of the loan were to remain the same including escrow and insurance and tax payments. I just found out XX/XX/XXXX that they have been collecting the escrow and not making any insurance and tax payments which have become delinquent and incurring penalties. I contacted SLS about this and getting a refund of my escrow in order to pay my delinquent taxes and insurance premium and I can not seem to get a straight answer or my money, they do not return calls and their practices are fraudulent. The web is littered with all sorts of complaints and lawsuits against this company and they need to be investigated for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXDOB XXXX SS XXXX current mobile phone XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX/XXXX  XXXX # XXXX, account is reporting 30, DAYS LATE since requested assistance due to the pandemic.

I have a few complaints in addition to the one above I HAVE NO RECORDS OF THE FOLLOWING ACCOUNTS this problem has come at a time when none of these companies has provided me with any documentation to verify the chain of title of ownership or proof of claim please delete the following accounts : XXXX  # XXXX, XXXX XXXX/XXXX  # XXXX, XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: PLAZA HOME MORTGAGE, INC.
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2006, XXXX XXXX XXXX and XXXX XXXX XXXX, Husband and Wife, at Common Law, Tenants by the Entirety, as Fee Owner, executed a promissory Note secured by a Mortgage. ( see " Attachment '' ). The Note identified the lender as Plaza Home Mortgage, Inc. The Mortgage stated the lender was Plaza Home Mortgage , Inc., a corporation originated, and existing under the laws of California. 
XXXX XXXX was the loan officer of XXXX dba All XXXX ( XXXX ), who brokered the mortgage loan in 2006. The Professional and Vocational Licensing Division, State of Hawaii records appear to indicate that XXXX was never licensed as a mortgage broker, or solicitor. 
Also, in XXXX 2006, XXXX was not licensed as a Hawaii mortgage broker as required under Chapter XXXX, Hawaii Revised Statutes. ( see " Attachment '' ). 
A {$2400.00} broker fee was paid to XXXX. ( see " Attachment '' ). 
According to the Professional and Vocational Licensing Division, State of Hawaii, XXXX was never licensed as a mortgage broker, therefore making the Note, and Mortgage void. ( see " Attachment '' ). 
Plaza Home Mortgage , Inc., and its successors in interest had no right to receive payments on the mortgage loan because the loan was invalid, and therefore void.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pursuant to 15 USC 1692g ( a ) I requested validation of debt and have not received any of the information I requested. My written consent was never given to to the debt collector to even furnish information on my credit report. Pursuant to 15 USC 1681b ( 2 ). Also Discover Student Loans is in violation of 15 USC 1692e ( 2 ) ( A ) for the false representation of " Bill amount '' in the positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXDOB XXXX SS XXXX current mobile phone XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX/XXXX  XXXX # XXXX, account is reporting 30, DAYS LATE since requested assistance due to the pandemic.

I have a few complaints in addition to the one above I HAVE NO RECORDS OF THE FOLLOWING ACCOUNTS this problem has come at a time when none of these companies has provided me with any documentation to verify the chain of title of ownership or proof of claim please delete the following accounts : 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 2021-07-30
Company: Experian Information Solutions Inc.
State: OH
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:
I would like to update my credit file properly due to the fact someone had use my ID back in 2019. I see my name is still spelled wrong and there are SS # that are not mine as well as addresses that do not belong to me. 
Please delete/remove the following names : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. 
My current and only addresses is XXXX XXXX XXXX XXXX XXXX Please delete / remove the following unknown/ fraudulent addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX SS XXXX DOB XXXX please delete any other data or information that doesn't match.

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 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
FAIR COLLECTIONS & OUT Originally : XXXX  XXXX BY XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.

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 2015-03-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I initially spoke to XXXX on XXXX XXXX. They did not give me an account number or any information other than that it was a debt from XXXX XXXX XXXX, the amount they want to collect from me, and that if I had n't called them they were going to " take further action '' to collect on the alleged debt. They did n't offer to send me any letter or documentation and did n't tell me that I was supposed to receive any kind of documentation from them. I should have received some kind of letter in order to prove or verify this debt shortly after they initially spoke to me, but I 've received nothing at all. 
They have tricked me into telling them financial information about myself and my fiance, and the XXXX time I spoke to them and told them again that I have no money and no way to make a payment on this alleged debt, the person I was speaking to asked me " Are you saying that you 're refusing to pay for services provided? ". I did n't know what to do so I hung up. 
They did n't tell me that I do not have to provide them information about myself or anyone else, or that I can tell them to stop contacting me. The only reason I know that I 'm supposed to have gotten a letter and can make them stop calling is because I found out via a XXXX search. 
I can not send them a request for more information or a complaint via their website because they 've never given me an account number. I do n't want to call them because I now know they will not notify me of my rights and they will try to trick me into saying things that I do n't have to tell them or will make me look bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Overlimit fee

Complaint:
Opened a Capital One XXXX Business Card in 2013. Have paid on time everymonth since opened. Notice balance is not going down but slowly going up. I reviewed my statements and back to XXXX 2013 XXXX 22 month ) I have been charged $ XXXX/mnth " Over Limit-Fee ''. When I spoke to Capital Ones customer service department they refer to the " OPTION '' to opt out of the overlimit option. When I signed up, and read the terms, the option was obviously not clear or clearly presented.This is an unfair, unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: NY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation