BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Upon reviewing my credit report i noticed an account that is listed under MEDICAL.

Two issues with this situation : 1 ) I was never contacted by the collection agency at my address 3 XXXX XXXX, XXXX, NJ XXXX and/or called by the this agency. 

2 ) I have called their office - The number listed on my credit report and explained that I was covered under two medical insurances ( mine and my wife ). The original facility only processed one of the two medical cards for payment hence their was a balance left. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Under hippa my medical information is protected. Where's the medical release form? Why does a third party collection agency have my information? ARS Account Resolution needs to IMMEDIATELY furnish me with a medical release form or remove this account. I take my privacy and my rights serious. 

My expectations : 1 ) I am expecting the negative credit account be removed from both credit reporting agencies.

2 ) They need to give my file back to the original medical facility that needs to properly submit our medical information for payment.

If this matter is not properly resolved after this attempt. I will also be filing a lawsuit against the original creditor that sold this debt and Account Resolution Services as their inability to process the correct paperwork has hurt us financially with a recent car loan.

How can a company submit a negative credit rating for a bill that was mishandled by the original creditor and never even contact me regarding this situation.

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 2018-08-15
Company: National Enterprise Systems, Inc.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/2018, National Enterprise Systems ( Ms. XXXX XXXX ext XXXX ) called my employer without my permission attempting to collect a debt. I never have spoken with them to give them acesss to call my employer. They are causing me distress at work. They have threatened me while at work. They continue to harasses me.

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 2018-08-15
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account was opened with XXXX about XX/XX/XXXX or XX/XX/XXXX & remained open until XX/XX/XXXX with payments being made until that year. I did have an account with that firm but I paid the balance in full. I was unaware of the account until I attempted to finance a car in XX/XX/XXXX & was declined due to the account showing as in collection. I had never been contacted by XXXX or the collection agency ( XXXX XXXX of XXXX XXXX ) until I contacted them in XX/XX/XXXX. Midland was not helpful in providing any details of the debt i.e.what was bought, who paid and/or from what account, addresses etc. I had no way to determine if the debt was mine. Asking for documentation showing signatures, statements or forms of payments that could be used to verify the account as mine I filed disputes with the credit bureaus in XX/XX/XXXX. I got nothing other than they were in compliance with all collection guidelines. 
I tried calling Midland- again, no help-no documents. 
In XX/XX/XXXX I called the fraud department at XXXX. Gave them all the info I had about the account & asked for documentation that would prove the account was mine. I learned the account was opened over the phone-no signatures. Again, while they had more information than Midland there was nothing that really showed me as the active person on the account. I wanted statements, payment sources showing my bank accounts. They were not able to prove to me it was my account. 
They wanted 30 days to investigate & make a decision. On XX/XX/XXXX I had not heard from them so I called the XXXX fraud dept. They told me their records showed it was my account. When I asked what records I got answers like, " I can't access that screen '' or I don't have that. When I asked for specifics like what accounts did the payments come from they did't know. 

I can't go back to XX/XX/XXXX or XX/XX/XXXX to check records. My stance is that I will pay the balance if someone can PROVE to me I owe the balance. To date no one has.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, my husband and I separated.it was a struggle to pay bills and my mortgage fell behind. I tried to remodifying with the loan service company at the time, XXXX. I was offered a higher payment than when I lived with my husband. I was told that until my divorce was finalized and my ex off deed, they would assume he was still in the house.in XX/XX/XXXX my divorce was final and my ex-husband was off the deed. I also took in a boarder and was working full time.i applied for a remodification with current loan serving company, Shell point.they denied me the remodification and urged me to sell the home. I briefly put the house on the market but changed my mind  because I still have XXXX children living with me.one is XXXX   XXXX and will XXXX XXXX XXXX in XX/XX/XXXX.i tried remodifying again and my point of contact was XXXX XXXX.i worked with him from XX/XX/XXXX until XX/XX/XXXXhe constantly asking me for the same paperwork over and over again.he said that my court order child support letter and my state pension letter.were not good enough.finally he told me that we were at the finishing line.i just had to send him one more thing and they would review my application.thr next thing I knew.my account was transferred to XXXX XXXX and he was requesting all the same documents all over again.i put the house on the market and asked to do a settlement offer but that was denied as well.I am at the end of my rope.i want to remain in my home until my daughter graduates. I am also XXXX now due to XXXX XXXX.we really have nowhere to go at this point. I need she'll point to remodifying me at an amount I can afford to pay for the next year.They never really gave me the chance, just played gave with me.This company needs to be investigated and I need help.. please advise.XXXX XXXX XXXX XXXX, XXXX, ny XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I received a call from a Pennsylvania number XXXX looking for my husband in regards to a Civil Matter as the woman stated. I let the woman know that I was his wife and asked what a Civil Matter was and she responded with " He can be taken to court for it ''. I asked her if this had anything to do with his Bankruptcy that he filed back in XXXX and she said no and that she could not tell me what it was in regards to, just that it was a civil matter. I then text my husband with the woman 's number frantically asking that he call this woman back. My husband then told me that the woman was calling about a Citibank Credit Card from XXXX and that the balance was {$5900.00}. My husband attempted to let her know that he had filed a Chapter XXXX Bankruptcy in XXXX and that it was discharged in XXXX and the woman proceeded to tell him that she was going to send the paperwork to our local jurisdiction, take him to court, garnish his wages and report this to his credit report. She told him that his bankruptcy did not matter. My husband then called me very upset and I let him know to call her back and let her know that even if we did not know about this debt back when the bankruptcy was filed, that because his bankruptcy was discharged, this debt would have been automatically included as it was incurred BEFORE the bankruptcy was filed. My husband called the woman back who stated that she did not know who we were getting our information from and again stated that she was going to take us to court and garnish his wages and that this was an OPEN loan already on his credit and is not part of the bankruptcy and then told my husband to have a nice day and HUNG UP.

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 2021-04-27
Company: TCF NATIONAL BANK
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a credit card with TCF bank some years ago. 
At the time I opened it, they offered me 12 months no interest if the entire balance was paid before if not past the last statement of the 12 months. 
I paid every month during that 12 month period the minimum balance and got no interest charged. 
At the last statement, I paid off the credit card and balance completely, only to receive a statement for the next cycle with an interest charge for the balance I paid off. 
I disputed the interest charge saying that TCF Bank was not honoring the promotional offer they offered me. 
They sent the illegally charged interest to collections, an agency called The Bureaus, and had been damaging my credit score for some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Billing dispute for services

Complaint:
I signed up for a transunion account today thinking I was just signing up for an account the same way you sign up for XXXX XXXX and XXXX etc. After I registered and verified my identity, it took me to the dashboard but wouldn't show me a score. The dashboard area has a link that says " get the full picture ''. I clicked the link and it took me to a page for ordering " 3-bureau credit report and score ''. I closed out of the page because I realized it wasn't free so closed the page and I logged out of my account. I opened my email a short while later and see an email from transunion that I had been charged {$19.00} for TransUnion Report, Score, and 3-Bureau Credit Monitoring and that it will be a monthly charge until I cancel. I was very surprised by this so I XXXX how to cancel and followed the steps to cancel the subscription. However, I on the cancelation page it showed I have already been charged a one-month subscription fee from XX/XX/XXXX to XX/XX/2018 and I don't even understand why. I didn't actually place any order on the " get full picture '' page, I closed out of the page completely so I don't even understand what I was charged for? Do you get charged simply for registering and creating an account? There was no indication during registration that I would be charged. When I was asked to enter credit card information on the sign up page, I assumed it was part of ID verification. I am thoroughly confused right now and would like a refund of the {$19.00} I have been charged.

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 2018-06-22
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth, XXXX XXXX XXXX XXXX   XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$180.00}.

I have no knowledge or proof stating that I'm the owner for these debt collection payments but they are showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are numerous collections listed on my credit report that I have no knowledge of. This was a result of malpractice or an error which is negatively impacting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 are many mistakes appear in my report without my understanding.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : o XXXX XXXX XXXX XXXX  XXXX Balance {$360.00} o XXXX XXXX Balance {$0.00} o XXXX XXXXXXXX XXXX Balance {$0.00}

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 2021-06-09
Company: AmeriCash Holding LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ive gotten multiple calls from XXXX ( XXXX XXXX XXXX looking for a XXXX XXXX. Ive told them multiple times that I am not her and please remove me. They have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: EQUIFAX, INC.
State: MA
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:
Tried to dispute this with Equifax, can not access my account. I can not reach a live person when I call. A late payment is reporting for a card that I had paid off and was continuing to be charged for. I was later refunded the charges by the creditor, but it is still showing up as a late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: BROKER SOLUTIONS, INC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I was contacted by this company concerning a refinance loan I was told that I had excellent credit and was approved for a manufactured home loan This started towards the end of XXXX or begging of XXXX My credit was checked and I was told that everything looked very good and told that I was approved We exchanged alot of information and was told all ok After months I was asked to get my property appraised at my cost which was XXXX dollars I got it done and it was appraised higher than loan do XXXX XXXX told me everything was great XXXX  XXXX is the loan consultant Then everything went silent I called XXXX and he told me that they could not complete the loan due to them not being able to get the other Financial company to release the title I feel that they should reimburse the XXXX dollars back to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: MONEY SOURCE, INC., THE
State: FL
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: Problem with personal statement of dispute

Complaint:
I live on XXXX XXXX florida. my home was damaged by IRMA XXXX-17 my mortgage THE MONEY SOURCE company offered me government supported FHA Disaster-related Special Forberance program. they offered me 3 months of NO payments with no reporting of the lateness of the 3 months. I took XXXX XXXX XXXX no payments used that money to cover the deductible of my wind insurance to repair the home they hold the mortgage on. {$8800.00} deductible. in their written letter they stated the next payment was due on XXXX17 .... 
.they emailed me on XXXX17 my account was going into foreclosure for being 90 days late. In there written proposal it states my regular payments will reassume in XX/XX/2017 ... .I made the payment by phone XXXX-17. I called them first week of XXXX and asked for an explaination I did what they said made they said I was still 3 months past due and they were sending mr specific instructions on how to get back in GOOD Standing with THE MONEY SOURCE.. they mailed me a plain to make 3 monthly payments by cashier cheks and after that they would reconstruct my loan to change the balalnce to reflect my balance plus XXXX I signed and restarted my loan. Through this whole process they reported me over 90 days late 5 months ... .KILLED my credit score

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was a customer of XXXX from XX/XX/XXXX-XX/XX/XXXX. I had a single line, with no data plan. At that time they did not give away phones or let you buy them on payment plans. There is no way that they would allow someone to be over {$600.00} past due without shutting off their service! I have also never recevied any type of correspondence from XXXX stating that I owed any money, I also have never been contacted by a collector about owing XXXX money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. TransUnion have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a false debt collection on my credit report which i have no idea about. I would like it to be removed. I do not have debts to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$4700.00} XXXX XXXX {$11000.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DPT EDXXXX XXXX {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: National Credit Adjusters, LLC
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: Account information incorrect

Complaint:
I received a settlement letter in the mail and called to make payment. I asked the representative if the item would be removed and they advised it would. However, instead of removal the balance was updated and the account left open.

Company response to consumer: Closed with explanation