BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-15
Company: MFP, inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
FINANCIAL CREDIT SERVICES REPORTED COLLECTION CLAIM ON EXPERIAN XX/XX/2016 Prior to reading claim on Experian, I had never heard of CFS, no contacts have ever been made, I read the report on XXXX ( since they have made no attempt to contact me in any way, I consider the first contact to be XX/XX/2016 ) Since they reported the claim XX/XX/2016 & yet to inform me they are in violation of 15 USC 1692 ( a ). This is just an act of harassment done at the bidding of XXXX XXXX XXXX, they have no real intent to attempt collection of this alleged claim. Further they have noted the involvement of an Attorney ( An attempt to excite & intimidate me ) After this complaint is completed I will once again head off to the USPS to mail yet another certified letter asking for Validation of claim ( just as I have with other CA 's ) & a letter to XXXX asking for deletion of alleged claim ) This process will continue until some type of official intervention is made, If XXXX had a claim that was verifiable, they should have no problem providing me with that proof. Am uploading the copy I have of XXXX 's report along with my Validation letter. I am a poor man, I depend on XXXX for income and live well below the poverty line, ( my food budget goes to pay for certified mail ) I have requested low cost legal aid & have been approved, yet, have received no assistance from them. I still doubt that this claim belongs to me & have been offered no prove that it does. I continue to act PRO SE IN MY EFFORT TO FEND OFF THESE ATTACKS ... I AM NOT REFUSING TO PAY A DEBT THAT I LEGALLY OWE BUT, WILL NOT PAY GRIFTERS TRYING TO MAKE AN EASY BUCK. AM UPLOADING DOCUMENTS IN MY SUPPORT.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector which is currently holding the amount owed from XXXX XXXX club is repeatedly calling up to five plus times per day from multiple phone numbers, unknown ( spoofed ) numbers, and under different debt collector names. This collector is based on Florida and is notorious for abusing people with their phone call collection practices. They are listed on the caller ID as Midland credit, XXXX XXXX XXXX, Unknown, and occasionally a number with no name attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had a XXXX transunion credit score for the past two months and as recent as XX/XX/2017. Having not applied for any credit and with all active credit accounts on auto pay I received a XXXX reduction from transunion while during the same period of time my XXXX and XXXX score went up by a few points. Additionally, I submitted XXXX disputes to tranunion and immediately after submitting the disputes on XX/XX/2017 my score was reduced by a substantial margin of XXXX points. Normally, emails are sent when changes are reflected on a credit report. I received no notification from transunion of any changes that I am aware of. It appears that this deduction was partly in response to my dispute submissions. This is the second time within the last year that transunion has deduction my credit report by a very substantial margin and second time the deduction occur after submitting disputes.

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 2017-03-30
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Debt collector Key Bridge Medical. has been attempting to a collect a debt that the State of Ohio paid through the State of Ohio XXXX program. They as well as the original creditor has been made aware of these debts being billed and paid by the XXXX program. The Original creditors have assured me on numerous occasions that they would have this company remove the debts from there files and my credit reports. This has been an on going issues for several months. The accounts in Question belong to the XXXX XXXX medical Center and XXXX XXXX. They have also called and harassed me after I mailed them a cease and deceit letter, I was told by them that I would be sued for the amount they say I owe when clearly it was paid by the government and was told they did not care what XXXX paid or did n't pay they only care about what they were told to collect. I demand that they cease all collection activity, and verify with the State of Ohio that there was XXXX coverage at the time of service and that it was paid. They are reporting the same account several times in an attempt to force me to pay the debt or have bad credit. When I mailed them a demand for validation of the debt I never received a response. They have clearly violated several federal Statutes that pertain to fair debt collection, and improper reporting of information to the credit reporting agencies. They have done harm to my credit, and my reputation by there falsehoods and illegal acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for the Florida Hardest Hits Program after loosing my job two years ago. It has been a complete nightmare. The latest occurrence was when Wells Fargo stated that I should send them {$5200.00}. After I informed them that I could not send by the XXXX of XXXX, because after having to borrow the funds that check had not cleared my bank. The representative stated that should be Okay due to the fact that the quote was good through XXXX. They received my funds on XXXX XXXX. Then turned me down for the program stating that I did not qualify. However, Just after that I received a certified letter stating that they were going to take possession of my property with 60 to 90 days. They stated that they because they had n't received those funds by the XXXX that they have to start over. I received a phone call from my representative from the hardest hit program stating that once again I was turned down for the program. She stated that I do qualify for the program and to fight for it. So I have gone through numerous representative with Wells Fargo. The last one keeps vying more time for Wells Fargo and I am not sure why. It has been two months since they have received my portion of the funds and they have not even issued another quote or requested the funds from the hardest hit program. What I feel is that is when my application for the hardest hit program may expire. I have been approved for the XXXX and with my personal amount my mortgage would be current by now. 
Wells Fargo continues to blame the hardest hit program and the Hardest Hit program tells me to continue to fight for it. 
Its not the first time I have had issues with them. I have supplied information continuously for years. I had a local branch manager to send documents for me and still they cried that never received it. Even he said this is XXXX. I am just trying to save my home. I am a single parent of XXXX dependent children.

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 2016-05-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I applied for a home equity line XXXX mortgage and at the end of 5 year I was hit with a balloon payment which I was not aware of when I applied and was not reviewed with me at signing.

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 2020-08-18
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Calvary Portfolio Collections with a phone number of XXXX keeps calling me asking for " XXXX XXXX ''. I have blocked this number however ; they still continue to call me. My number has NEVER been associated with XXXX XXXX. My phone number XXXX has ALWAYS been associated with XXXX XXXX XXXX ( me ). I called the number back today XXXX and put in extension XXXX which was left on my voicemail. The persons name was XXXX. When I called back, a lady answered and it was not XXXX. I called at XXXX on XXXX XX/XX/2020. She asked if I knew XXXX and I said no to stop calling me. The history of calls is as follows : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX This is ridiculous. They are just calling anyone with the name " XXXX '' to try and reach XXXX. I am tired of the harassing calls. I am NOT XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I recently received my credit statement showing a minimum payment of {$250.00}. Because I can not afford to pay the full amount, there is a monthly fee of {$37.00}. In the terms and conditions, the credit card stated there was a minimum payment of {$25.00} This amount is abusive and the original balance has quadruple within a year 's period.

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 2015-06-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During XXXX period of unemployment I was kicked out of a pmt plan to try to catch up because I did n't submit XXXX pmt on the XXXX.That cancellation consequence was n't disclosed to me. Wells Fargo told me I could apply for a modification in XXXX. I submitted my application and I had n't gotten much help from my agent. I submitted EVERYTHING that was required of me. They said that I was denied approval due to afforability and because I had already gotten a modification in XX/XX/XXXX. It was actually XXXX that I had gotten my modification. I appealed their decision with an updated decrease in income because I had a non-borrower contributor lose his job ; my husband. Also, I had a slight increase in expenses which does not allow for affordability. During the review process I was told that everything was on hold and to try and save my payments to pay at a later date. During the 7-month period I had another season of unemployment, birth of a child, and a XXXX for my child and for myself. These circumstances dipped into the savings i was able to retain. In XXXX they denied me and told me I was 8 mths behind and that i SHOULD have been paying all along. I had misinformation, inconsistent information, and had to speak to all different agents other than the XXXX assigned to me. I may have spoken to the agent assigned to my case XXXX or XXXX times. He never answered the phone. He never returned a call within 48 hours. I would get letters stating receipt of documentation usually. I would always have to call someone to find out what i needed next. Usually a lot of time had already elapsed be requests were n't made known ahead of time. They denied my appeal and now have me in a suspended forclosure status. I am waiting on a reinstatement quote letter that should have been ordered XXXX. I am still appealing their decision based on the 24-month modication rule i read upon and the affordability aspect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was trying to print my credit report and the link to print did n't work. Could you reset the link or mail me my credit report, so I can print my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Dispute # XXXXTo Whom It May Concern : After carefully reviewing copies of all three of my credit reports I discovered that I was a victim of identity theft. I immediately took action by filing a police report as well as contacting all XXXX of the bureaus. I have recently furnished them with the appropriate documents that would verify and validate my stolen identity. 

However, I have made several attempts with Transunion via phone, certified mail, and online corresponding to get an unknown public record ( Bankruptcy ) that does not belong to me removed. As to date I have not received adequate help in resolving this issue. I have become very frustrated with this ordeal. Upon some of my many attempts to resolve the above issue with Transunion, I have experienced phone reps with language barriers ( non English speaking individuals ) trying to help me, representatives providing me with false information such as ( i.e. stating that they did n't have to verify or validate the accuracy of the unknown bankruptcy on my report ). 

Also, upon my request to inquire about Transunion 's methodology for verifying the Bankruptcy ( that is falsely reported on my report ) I was told by a representative that they did not have to furnish verifying that information to me. In short, I went to the courts to inquire about the bankruptcy and the courts stated that they do not verify Bankruptcy 's or any other public records for anyone by any method. The Clerk also stated, " that the credit bureaus often put incorrect public records and bankruptcy 's peoples credit files because they never request verifying information because the courts ca n't furnish it and that they have never spoken to any at a credit bureau. '' Contrary to the above, Transunion has not verified the bankruptcy # XXXX nor furnished me with any proof that they have verified the bankruptcy ; nor will they assist me with help on how to verify that it is not my bankruptcy. 

Lastly, not only has Transunion left me with inaccurate information on my credit report ; they have perjured/misinformed me regarding their means of verifying the bankruptcy. In congruence with the above, this has greatly impacted my life in a negative way. I am unable to move forward with my career and educational endeavors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: BQ & Associates, P.C., L.L.O.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
in the state of Nebraska, XXXX county XX/XX/XXXX, I was sued by Brumbaugh a & quandahl for a debt for a creditor XXXX ( which was sued for illegal debt collection practices ), which they represented. the file number at their office is XXXX. I was unable to pay the debt until XX/XX/XXXX. I contacted their office and they said that they do not have anything to do with this account and told me to send the court in Nebraska the money owed and since they are not associated with this account, they would have to return the negotiable item ( s ) I sent them, which were checks for XXXX and XXXX the full balance XXXX, according to the XXXX county clerk office. I sent the court the checks as instructed and the XXXX county court verified they received them. however I never received the original checks I sent them or anyother form of reimbursement. I received a notice from the firm dated XX/XX/XXXX stating they now wish to settle this amount after they were supposed to send me my original checks back. I contacted their office in XX/XX/XXXX to ask where were the funds that I sent them to resolved this matter and they stated that they returned them to me, but I never received anything. Since I did not trust them, I stopped payment on the check on XX/XX/XXXX. i do not owe this amount anymore and their tactics should constitute a an illegal practice violation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I specifically opened an account to pay bills, light bill ( automated payments ) and a court settlement. When XXXX / XXXX misprocessed the payment and I reported the matter in person to XXXX at th Citizen 's bank branch, h failed in his duties to protect their account holder and process a fraud complaint. 
Also I understand that I may be held responsible for incorrect processing of a XXXX Payment from XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-01
Company: ERC
State: TX
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 have contacted this company, I monitor my credit with XXXX and discovered that this company was reporting a debt that i had disputed with another debt collection due to the validity of the account. I never had the account, I ask for the representative to give me proof of the account being my own and they sent a bill which when asked for Government Identification that was used to open the account they can not present any. This account reported is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a Hard Inquiry in my TransUnion record on XX/XX/2017. It was done by " XXXX ''. I did n't authorize anyone to check my credit reports. I do n't know who this company is. Can you investigate what happened and possible get it removed fro my history? 

Thank you.

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 2021-03-23
Company: CARMEL FINANCIAL CORPORATION, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I noticed my XXXX  score dropped significantly 73 points. Carmel Financial account removed without any prior knowledge off my XXXX credit profile. I immediately contacted Carmel Financial and was told, " XXXX  suddenly decided to remove all accounts including its hard inquiry from their files without prior knowledge to us. We have been in business for over 50 years and don't understand why this occurred. We will continue to report to XXXX. '' I informed Carmel Financial Group I have not received anything in writing informing me of pending removal. She said, " We are in the midst of sending out communications to our consumers. " Next, I contacted XXXX by phone and was told the account was removed on XX/XX/XXXX by representative XXXX. I informed XXXX that " It's my right to know if any accounts are either removed or added per FCRA and that did not occur which affected my credit profile. '' The problem is my family was in the middle of making a major purchase by tomorrow for our XXXX and now I went suddenly from good credit to bad credit without any fault of my own which is putting my family livelihood at risk during a Pandemic.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires listed bellow be REMOVED XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016

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 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am having this issue with transunion refusing to update the XXXX account that was discharged in bankruptcy on XXXX/XXXX/15. The dates as you can see are wrong as well as the account status that states - closed - derogatory. There is also a high balance showing of {$14000.00} which is supposed to be {$0.00}. This account should show {$0.00}, discharged in bankruptcy. It is misreporting and I have spoken with this credit bureau more than once in the past two weeks yet they continue to repeatedly tell me that it is supposed to report as derogatory when it is discharged in bankruptcy however this is not what I read the federal law to state. This misreporting of this account on my credit is causing me to not be able to obtain credit and has hindered me for over two years now.

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 2017-04-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wells Fargo has reported new activity on XXXX of my past mortgage loans that were closed or balances forgiven in a loan modification process. XXXX loan balance was forgiven by Wells Fargo in the loan modification process back in XX/XX/XXXX ( $ XXXX bal. ) and now shows updated activity in XX/XX/XXXX. And the second loan as of XX/XX/XXXX shows new activity on a loan that was modified in XX/XX/XXXX with a balance reduction and refi, this Home was sold in 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 non-monetary relief