BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-29
Company: ProCollect, 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: Investigation took more than 30 days

Complaint:
sent all FTC guideline documents. to prove the violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The company XXXX XXXX XXXX, is harassing me for a debt they say I owe, it doesnt even show in my credit history, they say that they sent letters of collection to two address that I have not leave there for more than ten years, and the account was suppose to be in debt since 2012. They have call my work place asking for me and have call my cell phone treading to sue me even take my property away.

I contacted HSBC asking them for information on my debt and they didnt find anything, I called folder dept and found nothing so I wrote a letter asking to get the company name they sold my case to ... I suppose to owe {$660.00}. This is the number to reach XXXX. XXXX number is this XXXX. The place sounds like its empty with an echo, then they call back and has some voices like operators but I didnt hear it before ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a dispute with transUnion credit reporting agency a fewmonths ago regarding an fraudulent account showing on my credit report from XXXX XXXX XXXX XXXX in the amount of {$3100.00} as I was a victim of identity theft and this account does not belong to me. Included in the dispute, I sent in a police report a and a FTC fraud affidavit which TransUnion confirmed they recieved, removed and blocked the account. 2 days ago, this account came back to my credit reports despite them claiming to have blocked it. I called Transunion immediately and was told that they no longer blocks fraudulent accounts from reappearing on credit reports. But offered to dispute it the regular way, which take up to 30 days in which they could not ensure it would be removed. 

I requested to speak witha supervisor ( XXXX XXXX ), who confirmed as the previous representative stated, that they no longer blocked fraudulent accounts. I have attempted to dispute this account with XXXX XXXX XXXX XXXX to no avail as they have been unable to verify these charges belonged to me as theyve only sent in charges related the credit card. But nothing pertaining to any addresses ive ever lived. 

TransUnion is not obeying Section 623 ( a ) ( 1 ) ( B ) which requires data furnishers to remove/blocked fraudulent transunions within 3 days of recieving a police report and FTC Fraud report.

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 2019-05-23
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
While searching for my credit scores, I discovered that Designed Receivable Solutions submitted a collection for a ( closed ) XXXX XXXX XXXX XXXX Hospital bill in XX/XX/XXXX. According to three different Medicare representatives, Medicare paid the account, and that I DO NOT owe the original charge of {$3200.00}. The Medicare Summary Notice states that the total that I may be billed is {$190.00}. As always, that amount was to be submitted to my secondary insurance for payment. As of this date, Designed Receivable Solutions has not sent proof of original billing as requested! 

XXXX XXXX, the collection manager, literally laughed in my face when I stated that I was going to report this problem to the Attorney General Office, the CFPB, and The XXXX XXXX XXXX. His exact words were, " Good luck with that! '' It seems that he has done this before and that no consequences for his bold actions! 

Please note that I received from a person who worked for XXXX XXXX XXXX Hospital, who stated emphatically that a female co-worker had intentionally submitted many collection notices to XXXX XXXX XXXX Hospital patients upon its closing in XXXX, but he was intervening to stop this wrong. He promised that I had nothing to worry about, that he would send the {$190.00} to my secondary insurance for payment. 

Please note that I NEVER HEARD back from XXXX XXXX XXXX for any billing at all. In fact, Designed Receivable Solutions had my old address on file as of XX/XX/XXXX ; therefore, I never received any correspondence from them as well. I was never contacted by Designed Receivable Solutions until I called them after discovering on my own that my credit report contained a collection! I gave my new address and phone number to XXXX XXXX. 

Please HELP!!! I have endured so much sickness due to an already chronic medical condition ; since XXXX I have had to go to the ER twice and to several doctors for chronic stress and XXXX XXXX XXXX! 

Thanks for clearing up this matter. Enclosed, please find supporting documents!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2018-03-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
over 10 lines on my credit report asked for consolidation and repayment to match income on my tax return

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX continues to call my cellular phone number despite having expressed to them that I am not the person that they are looking for. I have asked them to stop calling me on at least five occasions, two of which I described intentions to pursue legal actions for harassment ; and one of which I spoke to a manager and asked to not be contacted again to which I would pursue legal actions if my request was not met. The cadence between myself and this company has gone on for about two months. This morning ( XX/XX/2018 ) I received another phone call from the same number. I was unable to answer the call due to being at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I had to refinance my XXXX loans through XXXX. I applied with the latter agency in XX/XX/XXXX. I sent a letter along with a paycheck stub showing my base monthly pay and requested that they calculate my monthly payment on this amount instead of my XXXX tax returns because I was able to acquire extra work throughout that year. However, it's not guaranteed income, and indeed, I've not been able to secure the same amount of extra work in XXXX, and will be making a lot less. 
In XX/XX/XXXX, XXXX sent information about my monthly payments ( in the amount of {$180.00} per month ), which were scheduled to began in XX/XX/XXXX. A week ( no more than 2 weeks ) before this first payment was due, XXXX sent a letter saying that my monthly payment had increased to {$240.00}. There was no real explanation. On XX/XX/XXXX, I called XXXX, and a customer service rep said that I didn't fill out the application correctly, so they based the payments on my XXXX tax return. 
I was advised to reapply. I have. However, I've been pushed back into forbearance. 
On XX/XX/XXXX, I called XXXX to make sure that I had indeed been put into forbearance ( and that they wouldn't report me for not making the XXXX payment ). The customer service representative who checked my account said that my monthly payment ( that had been scheduled for XXXX ) should be {$180.00}. 
I've since processed the reapplication, per the advisement from the XX/XX/XXXX call. It is accompanied by a letter from my employer that declares my base annual salary. 
Something very fishy is going on at XXXX, and given the unexplained, shifting of monthly payment amounts that come up every time I communicate with them, I believe that this complain is warranted. Please contact XXXX and ask them to send me information on how they have calculated the following monthly payments : {$180.00}, {$180.00}, and {$240.00}. 
Again, I've reapplied to have them calculate my monthly payments, but I'm doing so at a heavy cost, and it's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In XXXX I made a voluntary delivery of a car due to illness and I moved to XXXX to the XXXX XXXX XXXXXXXX XXXX in XXXX XXXX. The bank after the property was delivered sold the car in a month. There was a difference of {$8500.00} and agree to pay in payment plans to a company hired by the Bank. I paid for 2 years and fulfilled as agreed. In XX/XX/XXXX, I received the balance due because the wrong balance was affecting me, since XXXX XXXX XXXX did not report the payments. I asked the Bank to indicate when I had to pay to get the account at XXXX. They told me that I had to pay {$2600.00} and thus achieve the account at XXXX and it would be removed from the Experian Report Agency, since for XXXX and XXXX the Bank determined for XXXX, determined delete. I have made several arrangements with XXXX XXXX XXXX and with Experian and I have not been able to delete the account from my credit report. The Law that protects the consumer in relation to credit information is clear and states that failure to report information correctly in 45 days will be delete. The XXXX XXXX XXXX indicated that due to internal processes they did not sell the account, but that the client made his payments to a collector company, XXXXXXXX XXXX. He requested that the process that has harmed my credit history and the violations of the Law that protects the consumer be investigated. He was asked to remove the account from my Experian credit report, for violations of the Law and that currently damages me in the Experian agency.

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 2018-11-16
Company: CCS Financial Services, Inc.
State: WA
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'm filing this complaint because this collection company and XXXX are being really unreasonable. I'm a veteran who is XXXX and have medical issues. I went through major health issues and I had a slip up with this account. I've paid it and made good on the debt as soon as I was able too. I was in a serious medical emergency and that was the only reason why this went into collections. I am a veteran and I fought for this country. I am trying to refinance my mortgage to a much better rate which would put me into a much better situation. I'm XXXX and on a fixed income. Every penny counts. I can't come to terms with the fact that someone in my position is being treated this way. I hope someone can find it in them to put in a request to remove this from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Trident Asset Management, L.L.C.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed Trident Asset Management for 2 Accounts : 1. Amount of {$160.00} paid 2. Amount of {$130.00} paid The delinquency is still on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving constant calls from a company called Portfolio Recovery with the most recent being today XX/XX/2019 at XXXX. This group calls from 100 's of different numbers numerous times per day. The times I have answered noone is on the line. I don't owe this company a dime and am sick and tired of the constant harrassment. They should be penalized up to liquidating due to such harrassment. 
I understand that this company has been fined in the past but it doesn't seem to bother them. I request that the FTC step up for the American consumer and put a stop to this company 's harassment and infringement on our time and lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello I am a XXXX % XXXX veteran who is affected by Hurricane maria in XXXX XXXX. Presently my home is unhabitable and I am staying in a Hotel paid for by FEMA. I quickly filed a claim with the insurance company picked by my Mortgage priovider, XXXX XXXX XXXX claim number XXXX. Back on XX/XX/XXXX an Appraiser went to my home and conducted an inspection. XXXX XXXX from XXXX XXXX a sub contractor for XXXX XXXX XXXX estimated my damaes at over {$80000.00}. I waited over 4 months for them to reply with a settlement. I was very shocked to hear they are only offering me {$29000.00} and taking away half plus deductible leaving me {$13000.00}. I contacted the banco Popular who holds my Mortgage. They basically told me there us nothing they can do. I filed a complaint with The Commission that regulates Insurance Companies in XXXX XXXX. They investigated and was told by the Insurance company that they are penalizing me because they say that I under reported the value of my home. They are saying the Value is over {$330000.00}. I purchased the home back in XX/XX/XXXX and the appraisel was {$260000.00}. I refinced last year into a VA Home Loan. The Appraisel from XX/XX/XXXX was {$220000.00}. The Insurance company refueses to listen to me or work with me. At this point I have a substantial amount of my savings invested in my home. I can not fix my home with the amount of money the Insurance company is offering me. I contacted the VA Home Loan Program and they also tell me there is nothing they can do. I find it unbelievable that the Insurance Company is doing this and actually getting away with it. I am at the end of my rope. My last option is to take a big lose and walk away from my home. So I am asking you for help. Can you help me with my 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 2018-11-16
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/18 i asked equifax to provide me proof of how they validated the debts that they are reporting. they have not provided me proof i called the lady said they are not required to provide proof which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
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: Account status incorrect

Complaint:
I am in a Federally Declared Disaster Area hit by Hurricane XXXX on XXXX XXXX, 2017. My loan serviced at the time, XXXX, told me I qualified for a forbearance because my loan was current and was backed by XXXX XXXX. I was told not to make the next 3 payments and they would be added to the end of my loan, and it would NOT affect my credit. XXXX then sent me delinquent notices, transferred my loan to another company AND REPORTED ME AS 30 DAYS PAST DUE TO THE CREDIT BUREAUS!! My credit score fell 22 points in 1 month because of this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Performant Financial Corporation
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting call from this debt collector, they have called me 2 times in 1 hour on the same day i have filed with my states Attorney General consumer Protection Department.

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 2020-06-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is refusing to allow my FHA mortgage that is in forbearance not to have the FHA partial claim for the months of Covid-19 hardship I spoke with FHA and this is a benefit of this mortgage type. Additionally, under the Cares Act the mortgage companys were not to report negatively and XXXX XXXX has destroyed my credit with negative reporting every month during the national pandemic

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery calls from various numbers throughout the country every day. They never leave a message and when I do pick up they hang up. I filed bankruptcy a few years ago and now I dont owe any debt or have any current debt, so I dont know why they are calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im trying to buy a house. So I seen a debt from Aragon agency for XXXX  XXXX I called Aragon they said they had no debt for me I asked to get something in writing and they said they couldnt give it to me. I called XXXX XXXX and they said they didnt have any debt and that Im a good customer with them and why would I owe them when I have service with my home now. They couldnt give me anything in write either. Now I cant get my home loan because I cant get anything in writing from these companies.

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 2021-06-09
Company: Intelligent Mortgage and Consulting Services LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
DECEPTIVE LOAN ADS On XX/XX/2021, I called Intelligent Mortgage and Consulting Services LLC, of XXXX XXXX, Louisiana to inquire regarding their 1.99 % /2.25 % APR refinance offer I received in the mail. 

A XXXX XXXX answered the phone. I explained I was interested in their offer. After a couple of questions, she then explained to me I would have to pay THOUSANDS out of my pocket to bring down the current market rate to their offered rate of 1.99 %. 

I dont understand how mortgage companies can legally get away with mailing out false VA loan offers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery called me on XX/XX/XXXX18 at XXXXXXXX XXXX EST and on XX/XX/XXXX18 at XXXX XXXX EST. I've asked them to stop calling me at work. I do not own the phone number and I'm not allowed personal phone calls at work. The told the receptionist is was a business matter and it is not, its personal. I told them to send me what they are talking about in writing. They are trying to collect on a debt that is over 10 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services is reporting an invalidated account on my credit file that does not belong to me ( Reference number XXXX ). I have never done business with their client nor them. I spoke with someone name " XXXX '' requesting validation of this alleged account and why this company thinks they have the right to report this false information on my credit file. This company is violating my rights, federal and state laws under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Defamation of Character.

Company response to consumer: Closed with explanation