BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-28
Company: MFP, inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX in Florida is also known as Financial Credit Services. They are both the same Collection Agency. I have never received any notification by mail that I had any Medical debt with this Collection Agency ( s ). Therefor I did not even receive any notice of my rights to dispute. In addition, XXXX XXXX XXXX did not disclose any communication that this was an attempt to collect a debt. I did not know this company was reporting multiple and duplicate Medical collections until I pulled my consumer credit reports from all three credit agency 's. At that time, I took my legal right with XXXX, XXXX and XXXX and disputed them. Over the last 60 days they were deleted from Credit Reports only to find out GulfCoast Collection re-reported the same collection back on my Consumer Reports under their other company name, which now shows as an entirely new collection with XXXX and the others. This has reduced my FICO score substantially where I now find myself in a serious negative situation with banks and lenders not to mention it is impossible for me to now purchase a home. I am XXXX and even tried to resolve this directly with the company only to be treated unethically, unprofessionally and talked to in a threatening manner. They refuse to cooperate and work with me to resolve this matter in any way what so ever.

Company response to consumer: Untimely response
Consumer complaint received 2015-09-17
Company: BAM Financial, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
West and associates continues to call me and my fiance about a debt that is n't even mine. They can not prove the debt they claim is mine belongs to me. XXXX XXXX thearten me and called me XXXX. He said he would come to my place of employment.

Company response to consumer: Untimely response
Consumer complaint received 2016-07-06
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing this complaint against Paragon Revenue Group. They are trying to collect on an account that was paid a long time ago. Paragon Revenue Group never sent me any documents on this alleged debt. They just started reporting a collection account on my credit reports. They never sent me any letters for me to seek validation and or dispute the alleged debt. All this clearly violates the Fair Credit Reporting Act. Plus there is no debt for them to collect on. 

In addition the account Paragon Revenue Group is listing on my credit report is over 3 years old. The account is XX/XX/2012. In my state SC the statute of limitations for both open and written contracts is 3 years. So they are also violating the Fair Debt Collection Practices Act. Please make them quit violating multiples laws by trying to collect on an account that does n't exist. 

In addition

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Toyota Financial Services ( TFS ) calls us incessantly from various outward-bound Call Centers using FAKE Direct-Inward-Dial Numbers. Furthermore, they are calling a distant family relation at : XXXX - which they have no right to do as they are not a party to the purchase contract. I would like TFS to CEASE AND DESIST all collections activity with my distant relatives ( XXXX XXXX ) and only communicate with my wife and I directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: LMS Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Debt collection firm at phone number XXXX calls to say they have legal documents to be served and that I can avoid legal action if I was to resolve the debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04
Company: M&T BANK CORPORATION
State: DE
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
M & t bank customer service Claims a credit card can not be issued without a chip. The card is constantly denied! Poor customer service with XXXX, XXXX and XXXX. Refused give me the president!

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 2022-08-04
Company: EQUIFAX, INC.
State: MS
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:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
DPT EDXXXX XXXX Balance Owed : {$68000.00} XXXX XXXX XXXX Balance Owed : {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
Hello, I was charged interest despite playing all amounts in full. I did n't realize that my interest free period was expired on XXXX, but automatic payments happen at end of the billing cycle. 

This is an unintentional mistake, please waive my interest amount just for this time. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: AMRON PROFESSIONAL SERVICES
State: NE
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:
My information was compromised on a XXXX government job website XXXX years ago. Since then I been receiving non stop calls about debts that I owe. But I do n't owe anything. They wo n't stop calling. They state that they are going to turn it over to the state attorney, and I am going to be locked up. They call all my family members, harassing them. I have yet to see anything officially in writing by certified mail. They call me from XXXX, XXXX, XXXX XXXX, XXXX, if not these number change with an automated message. APS is the collection agency I guess. XXXX that calls in regards to account # XXXX. Account number has been associated with a couple of these numbers but different voice messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Quality Lenders Inc
State: SD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had taken out a loan with Quality Lenders and my grandmother passed away, I came home after services to find out the company I worked for had decided to let me go. I explained this to them and said I would pay as soon as I could. They never offered me a settlement on the debt, they also never offered a payment plan. They harassed me on XXXX as well. The girl 's name was XXXX and her XXXX said " XXXX XXXX '' with the information for Quality Lenders, they violated my right to privacy by doing so. They would comment on pictures that all of my friends and family as well as potential employer, and anyone who might look at my XXXX page see. I had to block three profiles. It is now in the courts. I paid XXXX before I left home. The balance should have been about XXXX. I got a paper in the mail for nearly XXXX. The companies have since closed in South Dakota. I feel that I have been harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been a customer of wells Fargo for over 5 years. I noticed that as soon as i decided to have my check direct deposited I was being charged fees that was unwarranted. I believe wells Fargo deliberately sequenced my checking account to reflect me not having enough in my account to cover minor transactions so they could charge me overdraft fees. Now they said my account was not eligible for overdraft service so why am i subject to those fraudulent fees.

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 2015-06-02
Company: Livingston Financial, LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector won a court case against me without me being served with any kind of court papers back in 2012. And got a amount awarded of XXXX and XXXX in court costs for a total of XXXX and is now garnishing my wages at 25 % till a total of XXXX is collected

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Started the refinance of home mortgage process with cash out option on XX/XX/2016. Necessary documents were submitted by XXXX. After initial review, got good faith estimate with loan amount and closing cost. Based on this estimate, a deposit of {$350.00} was made towards appraisal. Appraisal came with lesser amount by {$5000.00}. Agreed to reduce the loan amount to that extent. However, got a revised estimate which was less by {$30000.00} and with additional closing cost towards points etc. In between got numerous revised estimates with different loan amounts and closing cost. It took more than 2 months to reach any definite closing document. Hence, want to get back the deposit of {$350.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01
Company: FX Quick Cash, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call around XXXX and wake our kids up, they start calling at around XXXX and they call every 15-30min. Its been going on for roughly 6months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Home Loans purchased my mortgage in XX/XX/XXXX. I was making payments to them from their online system for XX/XX/XXXX and XX/XX/XXXX of this year with no issue. I set up my XX/XX/XXXX payment to be paid on XX/XX/XXXX, and instead they sent the payment through on XX/XX/XXXX. I contacted them when I noticed they were causing my bank acct to go negative on XX/XX/XXXX. I contacted WF and was told to stop payment at my bank, and gave me a fax number to reimburse the NSF and savings transfer fees. I was then told by them that the payment would go through a few more times and there was nothing they could do to stop it even if it is their fault. My bank sent the transfer back to WF and asked me to contact them to make sure they would n't send it back through. I called WF on XX/XX/XXXX to ensure it would n't go back through and was told that as long as my bank stopped payment it would not come back through. Today XX/XX/XXXX, it was put back through as a retry. I again contacted my bank who will return it, but will only do so if it makes the account go into a negative status, which is the case this time. I called WF once again, and they told me to have my bank return it, and he talked with his cash dept, and they said it would go through again a few more times and there is nothing they can do. He apologized for the inconvenience and there was nothing else they can do even if it is their error. I can fax the fees charged from my bank to them to have them reimbursed, but could n't assure me this would not happen again. I ca n't afford to continue doing business like this, and it should not be alright for them to act like it 's okay and nothing could be done. I am still out {$80.00} in fees from last weeks debacle, and now whatever fees from this week, and I still have other bills coming out.

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 2017-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection letter saying that I owe {$260.00}, from an outstanding debt with wells fargo in a checking account # XXXX which was transfer to XXXX XXXX XXXX XXXX XXXX. I have not had a checking account with them only credit account which are paid and closed. I contacted wells fargo directly and they said that I do not have a balance with them, also I check my credit report and nothing shows up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Meridian Financial Services, Inc.
State: MO
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:
Alleged debt is fraudulent. Owner 's maintenance fees were charged to my wife and me as co-owners and paid in full. My wife and I decided to place the time share into my name alone. The Owner 's Association then apparently decided to charge the same maintenance fee that i had paid with my wife to me as the " new owner. '' This duplicate charge is unconscionable and i will be reporting it to all appropriate Federal and State Agencies.

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 2017-04-04
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
LVNV XXXX. XXXX XXXX XXXX, Sc XXXX XXXX : Acct # XXXX ... 

To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$670.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was cancelled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I transferred {$650.00} using Wells Fargo Sure Pay to what turned out to be a fraudulent Wells Fargo account on XX/XX/2016. I reported it immediately to the Wells Fargo Fraud department. I also reported the incident in person at my local Wells Fargo Branch. I provided the results of my own research to Wells Fargo. As far as I can tell, there has been no investigation into the fraud. Wells Fargo seems to have dropped the case. In order to open a Wells Fargo account, the account holder must provide a Driver 's License or Social Security Number. The account was originated in the state of Colorado ( according to the routing number ). It seems to me, that the investigation of the person who opened the account would be a fairly simple process for Wells Fargo. I reported the incident to the local police, and to the XXXX as well.

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 2022-08-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My name is XXXX XXXX, and my card has been stolen by someone I do not know. Not sure If I dropped it or left it somewhere, or was hacked, but my card was used, and fake checks were deposited into it, it did not come to my knowledge checks were being put into my account until around XXXX XX/XX/2022. When i realized my card has been missing for some while after attempting to find it, I called Wells Fargo to report my card lost or stolen. Then realized My account was negative, and I thought it was my Car insurance taking out its bi-weekly autopay, then realized that check had been deposited/returned to my account. I am deeply saddened by this attack on my account, and this has not been the first time I have dealt with scams with wells fargo.

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 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX does not have any documentation, they need to retract this from my credit file immediately.

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 2017-03-29
Company: Clarity Services
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Clarity Services accessed my credit report on XXXX on XX/XX/2017 which they say is in response to a request from some lender because someone used my name and identification to apply for a loan ... this is a fraud as I have not made any such loan request and my bank account has been hacked four times since XX/XX/2017..so I suspect this is part of overall identity theft ... .I can not pursue this fraud without the name of the lender which Clarity seems reluctant to provide ... I want an immediate freeze on Clarity from providing my credit information to any lender who may request it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Debt Collector reporting false information on Credit Report. First Date of Delinquency as XXXX, First dated of delinquency was XXXX, will not put account into closed status causing monthly continual reporting on credit report, also reporting as XXXX XXXX XXXX, false representation. On XXXX report reporting terms which is against regulation for collection agency. Attempts by myself to obtain verification of all information have gone unresponded to. Dispustes thru Credit Reporting Agencies have verified false infomation. contacted XXXX original creditor they will not tell me anything saying pra owns debt now, and that they can not verify debt. i dont know how credit agencies are verifying this then, my only thought is pra is verifying for XXXX. Transunion deleted both lines off my report stating information was not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Describe what happened so we can understand the issue ... 
I have been disputing multiple fraudulent accounts on my credit reports with Experian, XXXX and XXXX to no avail. I have sent in verifiable proof multiple including identity theft affidavit and police reports, yet the credit report agencies have not deleted this information in over a year of multiple dispute attempts over the past two years. 

They continue to state that these accounts have been verified by the creditor but when I ask for proof of verification, they never send the proof to me to validate their results. These are all fraudulent accounts! I am in process of filing a lawsuit against these reporting agencies if they do not delete these accounts. I have been harmed by their misrepresentation and my credit has been destroyed

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