BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Midwest Recovery System XXXX XXXX XXXX, I am sending this dispute at this time threw cfpb to make sure you received it. 
I have no knowledge or records of this debt to Midwest recovery system reported on XX/XX/XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 30 days ) of receiving this complaint please delete this account from my credit reports. Please don't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of, to provide to my attorney. I never received a bill from any company with a bill statement for a service that was provided. When speaking to Midwest recovery system I was told a service was given in XX/XX/XXXX I have no knowledge of this service, never received a billing statement, an attempt to collect a debt and I don't owe any money to a Midwest recovery system or a hospital or doctors office. No contracts of services was signed by myself to no company especially a midway recovery system so you should not be attempting to collect any medical debts. Unless I can recieve proper documentation from Midwest recovery system that was provided when being allowed to report on my credit profile and the proper billing statement of services provided and by whom I will request immediate removal or legal actions will be in pursuit! My medical provider would never send such intonation to a collector as its against the law. I do not owe this debt and I have never received a collection notice from any company with a debt stating services provided and by whom. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job due to covid and elected to enter into Morgage deferred payments for a year now. Im trying to get help with a loan modification but my loan officer will only offer more differ option. We want to pay and need help but are not getting contacted back or given options. Furthermore I think our loan officer is based in XXXX and has no financial background to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Comerica
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have called to report the situation. Got the service request number filled sent back all papers to request refund of almost 100 from online purchases thro XXXX I didn't approve off of my social security direct Express card and at XXXX a month I cant afford to loose anything now I'm disconnected when I call 6o get answers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited 3 US Postal Money Orders on XX/XX/2018. Bank of America onXX/XX/2018 proceeded to place a debit hold on one of those US Postal Money Orders.

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 2018-09-15
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Adding on to complaint # XXXX ... today I have made numerous calls trying to resolve this issue without it escalating. Customer service is absolutely horrible. I was put on hold on every call with every representative all stating that they work with consumer protection and the fraud department. I asked to speak with the investigations department and was told that there is no number to call them that I would have to wait for them to contact me. I was also told that investigations will not be back until Monday. The names of some of the representatives are XXXX and XXXX.I was told that I can go to the store to make a payment. I live in South Carolina and the store is currently closed due to hurricane Florence. The representatives cared less.

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 2017-12-02
Company: Garcadia Financial LLC
State: AR
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:
Auto finance companies use the shot XXXX approach on my credit report Now I have several hard damaging inquires on my report cause me to be denied for anything I apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX, I paid XXXX XXXX XXXX {$3300.00} in hopes of paying off the card. I ended up over paying and a balance of - {$250.00}. I did n't request a refund since I shop on XXXX often and knew I would eventually use the credited balance. XXXX has a policy ( unknown to me ) that if the balance is n't used in 60 days, they automatically send the credited balance as a refund check. They ended up sending the check to the wrong address. In addition, they never informed me of this policy or that the check was sent. I only found out when I checked my account after making a purchase ( a month after this check was supposedly mailed ). I spoke with a customer service representative and they said that the check would be cancelled and a new one sent. Since I did n't trust the first representative ( he gave me misleading information about my account ), I spoke to another representative a few hours later. She noted that the first representative I spoke with never cancelled the check or put a new request in. She claimed that she had fixed everything and the check would be sent within 15 business days. It 's been three weeks now, and I received a check only for {$2.00} ( the amount I had in cash back rewards ). I spoke to another representative who claimed that the check for the {$200.00} was not sent because the there was some confusion by the person who cuts the checks. She said she would try to get it resolved.

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 monetary relief
Consumer complaint received 2019-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XX/XX/2019 received a letter from the XXXX XXXX XXXX. I called to inquire, gave them some information then stopped before they could do anything.

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 2018-09-15
Company: CORELOGIC INC
State: TX
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:
XXXX, XXXX, 3rd party engineering company do not have the right to pull my credit credco, XXXX many more XXXX  still calling me I do not have anything with them please check the mail box police report I sent

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 2018-09-15
Company: Peoples Commerce Inc
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX XXXX was repossessed around XX/XX/XXXX and sold without our knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We bought a home and they raised our interest to 10 percent and would not allow a modify the interest and they refused and forced us into a short sale to not be in collection but we than had to pay XXXX to irs because we had a difference we had to pay. It was awful. It was ocwen for XXXX XXXX. They put us through all kinds of XXXX and lots of wasted papers and faxing. Address XXXX XXXX XXXX XXXX  mi XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a large delinquent balance that is being addressed during my divorce. It should total around $ XXXX in cc charges. I noticed several months ago Transunion is reporting my delinquent amount as $ XXXX! They are reporting the original account AND the purchased account from the debt collector doubling everything that appears on my report. XXXX is starting to do it as well. Once the account is purchased by the debt collection company it is no longer delinquent with the original creditor and therefore should switch the original account to closed not delinquent. I have reported and requested more than once for this to be corrected. I also requested a refund for some profile fees Transunion charged me that I was not aware of and then could not investigate since they locked down my account and it took me three days and 8 hours of phone work to get a human on the phone. This is ridiculous! 
* XXXX also had me locked out of my account for months with no resolution until I sat on the line for hours on end waiting for an agent to assist me. 
It is unbelievable that these companies are in charge of our lives and yet get away with shady practices, mistakes, stealing- and they aren'y even secure, I should have stacked up a few more years of identity theft protection VIP services because I have been included in so many hackings through the credit bereaus. By the way, if I read the history correctly no one legally appointed these businesses to the throne they anointed themselves the keeper of all the knowledge. In my book, without my permission, they are essentially the biggest identity theft hackers and stalkers in the world, I want my private and confidential information removed!!! I do not trust these crooked corporations! 

And finally, they all show us a number sometimes two when we log into these credit profiles. These numbers are supposed to represent our credit scores. Except, these three almight big brothers can't agree with each other what our scores are, AND ON TOP OF DISPLAYING ALL DIFFERENT RANDOM NUMBERS, when you try and purchase say a car, the loan agent comes back with yet a different number that supposedly is your real credit score, it's always lower than what you have been told, and no one knows why. 

Lastly, XXXXXXXX XXXX XXXXXXXX XXXX is a scam. None of the " XXXX  '' they found on my account were ever actually applied to my score positively or even showing on my account as far as I can tell. that is flat out fraud and disception.

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 2019-04-22
Company: Experian Information Solutions Inc.
State: CT
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:
These fraudulent accounts on my credit reports have hindered me from supporting my family to the best of my ability and has caused me a tremendous amount of stress, anxiety and embarrassment. My quality of life has severely declined as a result of the constant collections calls, time spent attempting to restore my identity, and back-and-forth with the creditors. Please assist effectively and immediately. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} {$120.00} XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$690.00} {$690.00} XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX  XXXX {$0.00} {$300.00} 0 % Revolving Negative  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$12000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9400.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$9700.00} - - Installment Negative XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company has not validated this debt. I have been communicating with this company about this account for months now and all I have received is the same print out statements. I requested validation docs for personal information, signature of services rendered and contracts of any kind giving them the right to take payment from me and they have failed to send me all of this! This account keeps getting verified with the credit bureaus and I'm not understanding how this keeps happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Manage claims I owe them {$1200.00}??? 
This was all settled a while back. The company customer service had spoke to me there was a settlement and some point and for some reason they never updated anything. I have tried contacting them to resolve this matter and It has gone no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Mullooly Jeffrey Rooney & Flynn
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sir / Maam, Good Afternoon. 

Belated XXXX to all. 

I have a terrible post-XXXX day, this is my story. 

I have a checking account with XXXX XXXX XXXX XXXX, NY, debit acct ending in XXXX. 

Upon logging in to my Online account ( XX/XX/XXXX ), to my surprise {$5900.00} of my hard-earned money, saving for rainy days has been put on hold. 

According to XXXX XXXX Legal Department it was put on hold until i pay the amount of {$2900.00} and plus the interest the full amount to XXXX XXXX XXXX XXXX XXXX. 

I was told by XXXX XXXX Legal Dept. to settle this amount and call them, this is the index number XXXX of my case. 

I havent given any information on what financial institution or whom i owed the amount being garnished, it was just the name XXXX something ( not Sure ), and it was in XX/XX/XXXX-XX/XX/XXXX debt. 

It was NOT CLEAR and im confused and frustrated that my honest and hard earned money can go to the Law Firm, just like that. 

Upon searching the internet the Mullooly, Jeffrey, Rooney & Flynn - XXXX XXXX XXXX, XXXX XXXX, NYXXXX- XXXX ( XXXX ) have been good cleaning up peoples bank account through legal maneuvers victimizing small and ignorant of the law like me. 

As i write today, my XXXX XXXX checking account has been on hold with the total amount of XXXX. i just did an external fund transfer and i was denied of acces. 

Cut the story short, im a victim of this XXXX XXXX, i dont recieve any confirmation or any letter of notification, or a formal phone call or any form of notifications from Mullooly, Jeffrey, Rooney & Flynn. 

I need help, i know this is illegal done to me. 

Please help me recover my money, this is all i have in life, this is my emergency fund. 

im employed as a clerk, i dont earn a lot, i dont deserve this, im honest and hardworking person. 

Thank you from the bottom of my heart. 

Respectfuly yours XXXX Attached are the pdfs for your info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Bonneville Billing and Collections
State: TX
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:
On my XXXX credit report, it shows two collection accounts that 1. Was paid by an attorney for a car accident insurance settlement 2. I have never received a statement showing that it had not been paid in full by my attorney 3. I believe these accounts were removed from my credit report and have now reapppeared.

The two collection accounts are as follows : A. Bonneville collections for {$240.00} B. XXXX XXXX for {$320.00} I can not get any information from the credit bureau regarding these accounts. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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 customer contract. The other two major companies has deleted these account off my credit reports. Under the FCRA, unverified accounts must be remove.

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 2018-10-16
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:
In 2012 my brother opened a car loan with XXXX. We have the same initials but different middle names. Some how the repo is showing on my credit report. I disputed this a number of times but nothing was ever done about it. I contacted XXXX a number of times in regard to this matter yet i'm still being held responsible for this. I didnt open this account, and is a mistake or fraud on my brother part ( which he is known for ). XXXX cant prove its my account because I never opened this loan or checking account with XXXX. Recently I decided to buy a home but this repo account is hindering me. This is mistake and or fraud. XXXX cant valid that this is my account because I never opened it. They even threaten to sue me. I just want this to be over.

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 2019-04-22
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I opened an account with XXXX XXXX XXXX XXXX ( XXXX ) in XXXX that included a checking account and a personal line of credit ( Cash Reserve Account ). Beginning in XXXX, XXXX I placed my first phone call to XXXX requesting to close my account. I asked if I could pay the balance of my credit line and was told I would have to go to a XXXX branch to complete this or transfer the money into my checking account and then pay the credit line, which was about {$5.00}. The closest branch is more than 250 miles from where I live. I asked if I could mail a check and was told that was not possible by at least three XXXX employees or their contracted customer support staff. Instead, I paid a {$15.00} wire transfer fee to transfer the ~ {$5.00} into my XXXX account which I then used to pay my credit line. In the interim, I was charged {$0.00} ( XXXX cents ) in interest. When I called back to close my account, I was told I could not close it because I now owed XXXX cents in interest. Again I asked if I could pay over the phone or mail a check and was told that was not possible and I would have to visit a bank branch. On or around XX/XX/XXXX I called again and demanded that my account be closed, that no interest be allowed to accrue, and that I be given a final total amount due so i could visit a bank branch and pay the amount in full. I was told the account would be closed and no further charges could be made to or from the account, and that I would receive a final bill at some point in the near future with my total amount due and an address where I could send the payment. On XX/XX/XXXX I received a notice stating that my account, including the line of credit, was official closed. The letter stated " No further advances may be made against the Cash Reserve Account ''. Subsequently, two {$5.00} charges were made against the cash reserve account On XX/XX/XXXX and XX/XX/XXXX, which I eventually received notice. I never received the final bill to close the account. On XX/XX/XXXX I called back to settle the matter and was again told I would have to visit a physical branch. I asked to be transferred to a supervisor and was eventually given a PO Box address to which I was told I could send the payment. This is nearly four months after first asking for an address and being told at least six times that was not possible. I demanded that the {$10.00} in charges be reversed and they refused.

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 monetary relief