BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: MRS BPO, LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MRS BPO LLC has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 
Alert Details Alert Date XX/XX/2018 Source XXXX  XXXX MRS BPO LLC Address XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/2018 Balance {$220.00} Is anything incorrect? 
Visit Dispute Center. This Company has done this over and over to me.this is not right this was paid and remove from my credit reports in the past.I want them to have to pay for damages to my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Atlanticus Services Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
credit card is fortiva XXXX i went online made what the computer said as my min payment of XXXX on XX/XX/XXXX. than i went back online later to check and they charge me a late payment. i cld told the woamn i paid what computer said was min due woman said doesnt matter im not removing the late payment fee i than demanded her to cancel the card and now i look and they have also added a over credit limit fee. i want both of these fees removed. i did pay what the system said was min payment due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have attempted to dispute a very old account with this company for a long time and I have gotten no where. I stopped payment on some checks because I finally realized I was being lied to by Portfolio as they kept making promises that if I paid they would remove this account, but then I was being told that they would sue me and my wages would be in jeopardy. I asked them not to do that and then out of fear I attempted to pay and then I contacted XXXX XXXX  and was told that this account was charged off and I was not responsible for it. When a company charges something off it is included in their taxes and they are somewhat compensated by it. By re-selling the debt they are not only compensated by the federal government but they are getting payment on top of that by having this aggressive and unfair third party company hound me by mail, voicemails and calls and endless threats. I do not owe anything and the charges which XXXX  claims I have as outstanding have been paid in full and I am not responsible. Portfolio is enjoying ruining my life and my credit and I will not stand for it anymore. Their letters contradict what they say on the phone, they are sneaky and manipulative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has shown up on my credit report for the last 4 years. It states I had an emergency room visit in XXXX of 2015 and that my insurance did not cover the cost. Which is {$460.00}. I have contacted several different people within the XXXX network of XXXX ohio and no one has an outstanding bill for me. Or a record of the visit. I do not recall seeking emergency treatment at that time, and if I had I have had health insurance for XXXX solid years. I have disputed this account with XXXX with equifax, XXXX XXXX, and experian, as well as the bbb. Their only comment when I contacted them was that since it shows on my credit report, I owe. I have not received a formal XXXX from any hospital or health insurance claim. 
And I do not believe XXXX is handling this situation In the correct way. This is destroying my credit, and is highly inaccurate. The dates, amounts, and place are not right. And no one has been able to tell me exactly what I am Being charged for.

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 2019-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
My credit reports at TransUnion, XXXX  and others are showing that XXXX XXXX has reported 2 credit card accounts in my name. I filed Disputes with both using their on-line form, stating that I have no knowledge of any such accounts. They have both responded that they investigated and that the reported information was verified by the reporting entity. Their investigation did not request nor does it require any providing of any sort of proof, but relies solely on the word of the reporting entity. 

This lack of a need of proof leaves the consumer vulnerable to fraudulent reporting and to being charged higher charges for bad credit when these reporting agencies are allowed to report as they please, with no oversight or consequences.

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 2019-01-17
Company: Midwest Recovery Systems
State: IN
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 have a derogatory mark on my credit report by Midwest recovery systems. For XXXX dollars. I have never heard of this and it dropped my credit by 40 points!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: M&T BANK CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir or Madam, On or about XX/XX/XXXX, I spoke with an M & T Bank representatives about unknown charges that were being added to my mortgage payments. These other charges are shown on the M & T Bank mortgage statements in section explanation of amount due. I notice that these unknown " other '' charges were being included in my mortgage payments from XX/XX/XXXX- year to date. 

The M & T Bank representative mentioned that the extra charges could be a result of attorney fees being added to my mortgage payments from XXXX XXXX XXXX XXXX XXXX ( " XXXX  '' ). 

If these statements are true for any reasons, it is unlawful for a loan servicer to add attorney fees to a homebuyer mortgage payment. Furthermore, My loan was transferred from ( " XXXX  '' ) to M & T Bank in the year XX/XX/XXXX. ( " XXXX '' ) became the first loan servicer of my loan on XX/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 explanation
Consumer complaint received 2020-10-12
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, this complaint is directed to Dovenmuehle Mortgage XXXX Inc., which serviced my mortgage. Below is a brief timeline of the issues Ive encounter with Dovenmuehle and trying to recoup my escrow refund after paying off my loan. It took them 30 days to refund me ( well outside of the 20 business days prescribed by 1024.34 ). 

XX/XX/2020 My loan was paid in full. 

XX/XX/2020 An automatic monthly payment came out of my checking account ( {$3000.00} ). I can understand how this accidentally happened, not a big deal. 

XX/XX/2020 I called asking about my loan being paid in full and when I was going to have my {$3000.00} returned, it never should have been withdrawn. Representative saw the error and said I would have a check in 10 business days. 

XX/XX/2020 I called asking about my {$3000.00} and escrow owed to me ( {$1400.00} ). Had very long conversation. Supervisor told me that a check for {$3000.00} was in the mail and that the escrow amount had been escalated to the Acceleration Team. I was supposed to receive an email from them in 5 days and they were going to send the check via XXXX 2 day. I never heard back from anyone at Dovenmuehle. 

XX/XX/2020 Once again, I called explaining the situation and was elevated to a supervisor. Supervisor told me that my issue had been elevated to the Acceleration Team and that I was supposed to get an email from XXXX today. I received the email and replied back to XXXX explaining that Dovenmuehle was outside the 20 day escrow refund law ( 1024.34 ) and that I wanted my refund immediately. XXXX confirmed they were cutting the check today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just got a letter from Radius Global Solutions LLC. They are stating that I owe an amount of {$760.00} from a XXXX XXXX XXXX. The truth is I never had credit from XXXX XXXX. I am tire of these people reaping off. I pay all my debts and I am a very responsible human being. Please help me stop these. They state in the letter that if I don't answer within 30 days they will assume the debt is mine. Wow so they are not even sure and start writing all who they can to rob some money. I hope you can help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In the month of XX/XX/XXXX {$3300.00} was auto-payed from my checking account to my XXXX XXXX XXXX XXXX in error without my consent. I consented to only {$200.00} weekly to be auto-payed. XXXX XXXX weekly deducted a total of at least {$400.00} weekly in 2 separate withdraws and in some weeks as much as {$700.00}. I contacted customer service on XX/XX/XXXX to request a refund in the amount of {$2500.00} the amount that exceeds what I consented to be payed. I was told a check in that amount would be mailed to my home address and to allow 7-10 business days. The representative also stated that since a recent update there have been many issues with the mobile app and to no longer utilize it. After canceling all recurring payments, on XXXX {$400.00} more was withdrawn from my account and I was forced to place a stop payment on all further debits from Toyota Financial. On XX/XX/XXXX after never having received the check I called for a 2nd time and was told my refund had never been processed. The representative at that time assured me she would resolve the issue and issue the refund and to allow 7-10 additional business days. As of today XX/XX/XXXX I have not received a refund and have resorted to filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
My credit reports at XXXX, Equifax and others are showing that XXXX XXXX has reported 2 credit card accounts in my name. I filed Disputes with both using their on-line form, stating that I have no knowledge of any such accounts. They have both responded that they investigated and that the reported information was verified by the reporting entity. Their investigation did not request nor does it require any providing of any sort of proof, but relies solely on the word of the reporting entity. 

This lack of a need of proof leaves the consumer vulnerable to fraudulent reporting and to being charged higher charges for bad credit when these reporting agencies are allowed to report as they please, with no oversight or consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: EQUIFAX, INC.
State: MI
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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted certified letters to XXXX XXXX, XXXX and Equifax regarding XXXX. XXXX XXXX/XXXX for {$2300.00}, XXXX. XXXX XXXX for {$3000.00} this account is older than 7 years old from the first day of default, I've even sent them paperwork from XXXX the company that is handling the loans, the letter verified that my first date of delinquency was XX/XX/XXXX and they still refused to removed they accounts from credit bureaus. According XXXX XXXX letter to me that I submitted to each bureau " the federal law requires defaulted student loans be reported to the national consumer reporting agencies for seven years from the date of delinquency ''. Based on that information the account should be removed, yet they continue to send me verified/updated letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Northland Group Inc
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received numerous phone calls and letters from XXXX XXXX about a debt I owed. I mailed a debt validation letter to the company about this alleged debt I owed on XX/XX/XXXX via certified mail and got a returned receipt with a signature that it was received in XX/XX/XXXX. It is now XX/XX/XXXX and I still have no response from them regarding validation of this alleged debt. This debt that does not belong to me is harming my credit scores. They had 30-45 days to respond. They have passed the required response limit. I need answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
Previous complaint number XXXX. 

This was the company 's response to my previous complaint : PRA sent its initial notification letter to you on or about XX/XX/2017. PRA has no record of a response or a dispute being received in relation to its initial notification letter. For assistance, please review the resources available at the Federal Trade Commissions website www.identitytheft.gov. 

So they are saying they have no record of a response of a dispute being received, yet on my previous complain I attached 9 pages that show evidence that I responded. And to make it easier and more evident, my responses where handwritten on all the 9 letters they sent me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02
Company: ENCORE CAPITAL GROUP INC.
State: MI
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 XXXX or XXXX XXXX will not change the status of an account showing to be paid off instead of written off they took the money from my check and for some reason XXXX XXXX, XXXX, and XXXX   will not fix this other then saying they investigated and left it on my report as a negative status, i have the court papers and garnishment papers from my place of employement showing that they received this money also my pay stubs. these credit reporting companies do not care to listen to the consumer it is all about the companies lying to them saying that the status is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a negative collection account on my credit report on about XX/XX/2018 .the debt  collection company name is Grant & Webber . The amount they claim i owe is $ XXXXI do not recognize this amount, company or services this company claims i owe. After unsuccessful attempts to contact this company via telephone, i wrote them a letter and sent it via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The letter informed this company that i have no knowledge of this debt and that i am certain they are making a mistake. I further asked for any proof, validation, agreement or contract verifying i asked for or purchased whatever they claim i relieved that has me owing {$13000.00}. They responded with a copy of an invoice for some type of medical procedure by a Doctor i have never heard of or received any treatment from.The typed invoice was made to a name similar to mine however not my exact name. At no time did they provide a contract or request for service agreement with my name or signature on it. I responded in writing demanding they either give me proof, verification and validation that this debt is mine other than a basic generated invoice they created. I never received a response. I disputed this issue with XXXX  credit and was simply told that this company certified that i owed the money however that XXXX did not require them to submit any proof that it is my debt.This company has been negatively affecting my credit profile and refuses to respond to my request.

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 2018-02-23
Company: Convergent Resources, Inc.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received letter from a collection company, Convergent, saying that I owed {$5800.00} to XXXX   XXXX. I have never had dealings with this company nor do I owe any debt to them or anyone that I am even late on.

The letter says they will " settle '' for {$1400.00}.

I do not owe this company.

I want them to stop sending me letters and to stop phoning 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 2019-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been in school and have only opened one credit card account with XXXX XXXX XXXX. Per my annual credit report and XXXX XXXX, I have been a victim of identity theft for which I have already contacted the IRS who provided me with a pin that I will need to use in order to protect my ss # going forward. I have various accounts on my report for which I have attempted to remove repeatedly, yet the companies and debt collectors will not remove these items. Such as the following : Capital One Bank : Account Balance- {$1000.00} sold to XXXX XXXX Account Balance- {$2600.00} opened XX/XX/XXXX XXXX XXXX  : Account Balance- {$910.00} sold to XXXX XXXX XXXX XXXX XXXX ( no military affiliation ) Account Balance- {$730.00} opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Demand for past due payment started about 7 years ago. 
We always pay our bills and we had in excess of $ XXXX per year for several years. 
They refused to supply itemized accounting of who was owed. 
They continued to send demand letters, would not provide info on phone, and now call me about once a week. 

In XX/XX/2021, I sent them a Cease and Desist " Certified '' letter per the Fed Debt Collection laws and they continue to call me and my daughter who is not responsible for my affairs. 

Harris & Harris Ltd. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank Walmart closed my Walmart store card on XX/XX/2018 due to a return ACH payment from my bank. I called Walmart Credit Services and was told that this was my second check returned within a year and it was automatically closed. I was told that I could dispute the decision only if I had documentation from my bank stating that it was the banks error. I have such documentation and I am submitting the letter to them. I thought I had previously sent in this information with my bank activity showing I had the funds to cover the payment but I still received a rejection to open my account back so I requested a more detailed letter from the bank and they sent it to me. The Walmart account should not be closed. It was a bank error and this should be re-opened. Getting through your customer service representatives is such a daunting task. This last four months has been a nightmare and I am in the middle of changing bank accounts because this keeps happening

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