BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
Company: Diversified Consultants, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Diversified Consultants, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX FL XXXX | Complaint : Diversified Consultants placed a collection debt on my credit report ( s ) during the debt validation process that was not legally validated pursuant to FDCPA Section 809 ( b ). 

A recent review of my major credit reports reveal Diversified Consultants placed a collection debt on my credit report ( s ) regarding XXXX XXXX XXXX XXXX during the debt validation process that was not legally validated pursuant to FDCPA Section 809 ( b ). 

I have not received any written communication from Diversified Consultants via US Mail regular 1st class mail service, or any certified mail service that my signature guarantees my receipt of debt validation, and debt collector validation. 

Most important, I have not received the due process of validating the debt, and the debt collector. 

On XX/XX/XXXX, I, XXXX XXXX XXXX, submitted a consumer dispute regarding the collection debt through the companys corporate website at www.dcicollect.com ( copy of dispute attached ). My dispute outlined the necessary information a debt collector must provide to validate the debt, and to validate the legitimacy of the debt collector. 

On XX/XX/XXXX, I received an email response from employee XXXX XXXX, Compliance Analyst ( copy of email attached ). The email stated that she would forward the email to the appropriate office ( Copy of email attached ). The email also states that I could receive something in the mail. 

On XX/XX/XXXX, I received a notice from XXXX XXXX that Diversified Consultants had placed a collection account on my XXXX credit report ( copy of email attached ). 

Under FDCPA Section 809 ( b ), debt collectors are not allowed to pursue collection activity until the debt is validated. In XXXX XXXX, XXXX XXXX XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

I filed a complaint with the XXXX XXXX XXXX of Florida. The company states they have done no wrong. The company states they mailed validation information XX/XX/XXXX. I did not receive any information in the mail. The company has not provided any proof of mailing from the United States Postal Service such as a " certificate of mailing '', or a " certified mail return receipt ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: NCB Management Services Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a CFPB claim against XXXX XXXX XXXX reporting an auto charge off that is reporting after the statute of limitations. They sent a letter to me on XXXX2019 stating that this account was sold to the third party NCB Management and consequently they are not able to take any action. Now I am filing a complaint against NCB for reporting an account that is over 7 years from the date of last activity. I have included the letter from XXXX to prove that this account is over 7 years old and they can not do anything as this account was sold to NCB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/19, I called Big Picture loan to advise them my funds were not going to be available and I would pay the full amount off on XX/XX/19. I asked for the total amount due I was told {$800.00}, I have already paid them {$710.00}, back on a {$1000.00} loan. At the time I applied for the loans I was told there were no penalties for early pay off. I asked the person I was speaking with today how for the total amount due and was told {$1100.00}. So basically they are try to charge me $ XXXX on a {$1000.00} loan. This company is misleading and the representative tell you lies to get you into the loan. Trying to avoid interest fee by paying it off early and they still charge you. They're fraudulent company that send you fliers in the mail constantly. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Santander Consumer USA Holdings Inc.
State: MD
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I'm trying to link my account with XXXX and it will not allow me to do so? I'm trying to make an investment to grow my money for future use and this bank will not allow me to do so. I need to know why this problem exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions Inc.
State: CA
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 XXXX Bank is misreporting a balance to my Experian credit report. The account was settled for less than full, and is reporting correctly on both my XXXX and XXXX credit reports.

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 2018-04-05
Company: Experian Information Solutions 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 am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " XXXX XXXX '' for an auto loan. Upon doing some digging I found that this loan was obtained online through the company " XXXX ''. 

I have never done business with either XXXX XXXX or XXXX. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan nor did I ever purchase a car from 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 2021-03-30
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The original creditor is XXXX XXXX XXXX, and the credit card was closed by the creditor due to fraudulent/suspicious activity. I reached out to the original creditor to go over my credit card account. However, the customer service representative who was based out of XXXX wanted me to send him copies of my checking account bank statement. I told him that I did not feel comfortable sending him copies of my bank statements, so the customer care representative based out of XXXX would not help. I disputed the original creditor on all three of my credit bureaus, and the account was removed from all three credit bureaus. This issue took place back in the Fall of 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2018-03-12
Company: AMCOL Systems, Inc.
State: NC
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 had a medical bill, Amcol called me and asked if I would be interested in setting up a payment plan, I told them yes, and the agreement was, XXXX a month to be drafted out of my bank account for 36 months. The first payment was drafted on XX/XX/XXXX it was an over the phone payment to get started. Each month there after Amcol drafted XXXX a month from my bank account. In XX/XX/XXXX, I received a notice from my bank saying we have been made aware your card number have been exposed in a data breach at a merchant location, etc ( I have the letter ) we are sending you a new card. I received a new card, and on XX/XX/XXXX I activated my new card. 
On XX/XX/XXXX I got a call from Amcol from a lady name XXXX, I tried to explain to her what happen and it was not a problem I just got a new visa/debit card and I will give Amcol the information so they could debit my account, I told her I would call them later that day because I was on the road driving to an appt. on XX/XX/XXXX, I called Amcol and I did not want to speak with XXXX again because she was rude, I spoke with a lady name XXXX, I gave XXXX my new debit card information and she said she was going to process the payment, on XX/XX/XXXX Amcol put the debt on my credit report. The last payment Amcol debit from my account was on XX/XX/XXXX. From the beginning of the agreement XX/XX/XXXX until now I have not missed a payment or been late. Amcol miss used there authority, Amcol normally draft my account on the 6,7 or 8th of each month, Amcol had my new debit card information on XX/XX/XXXX. Amcol had no reason to put this debt on my credit report when I was paying the bill in agreement with the arrangement we had made. I was not late when I gave Amcol my new debit card information. I would like to keep making my payments and I will give it my all to pay the debt off sooner so I don't have to deal with Amcol any more, and I would like for them to take that debt off my credit report, because its a lie to say the debt was not being paid or late. I have my bank statement of every payment I have made, ( XX/XX/XXXX ) This should be against the law for a debt collector to put any thing on any ones credit report when they are paying the bill. What I don't understand is why is Amcol willing to hurt the creditor they are working for to collect payments for them? I should not have to plead my case, when I am so willing to get my bill paid and keep my credit good. I am praying someone can help me. I have worked really hard to keep my bills in good standing. Hope to hear from someone soon. 

I have my bank statements and letter from bank, let me know if you need them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Bread Financial Holdings, Inc.
State: PA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Ditech Financial LLC
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Property in controversy is the main home of my family and we are interested in considering the options in full to be able to retain it. For this reason, on XX/XX/XXXX, we began the loss mitigation process " Loss Mitigation '' with Ditech Financial LLC. 

From XX/XX/XXXX to XX/XX/XXXX, all mortgage payments were made and collected by Ditech. Including, the payments corresponding to the months of XXXX and XXXX of XXXX were sent to Ditech but for reasons that we do not know they refused to collect them and they were returned. 

Due to Ditech 's delay in responding to the request for mitigation of losses and refusal to collect the months of XXXX and XXXX, we were obliged to file a complaint with the Office of the Commissioner of Financial Institutions ( OCIF ) case number XXXX dated XXXX XXXX, XXXX. 

After the complaint to the OCIF, Ditech sent us two communications requesting the filing of the loss mitigation forms again and the updating of the documents requested with the petition. Again, all documents were sent via fax, mail and via the company 's Internet service on XX/XX/XXXX. The two filing processes were conducted using One Stop Housing Agency 's counseling in XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing this letter to demand that you remove the following accounts that are the result of identity theft : I have previously sent a letter to Bankruptcy Court disputing the fact that my chapter XXXX was showing on my credit report. I contacted the courts and they sent a letter that I have attached. They stated that t they didnt have to verify ; so im requesting the bureau remove it immediately. This is causing harm and damages to me since I am not able to open any new credit due to the incorrect reporting of these accounts as mine. I can not get a loan for a house for my family to live in. I can not get a loan for a car to transport my family members to and from school and work. I can not get a credit card to help pay bills for my familys care. 


According to the FCRA, you must remove these items that are the result of a mistake made by the government. I demand that this letter be read by a human and not e-OSCAR.

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 2019-03-15
Company: Bronstein & Weiss Arbitration
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving threatening phone calls and voice mails looking for a person with a similar last name to mine, but for debt owed and legal action.. and court dates. I tried calling back several times Im the past to tell them to stop calling me they have the wrong number and person. They attempt to question me in a very aggressive manner demanding if I know this person. Today I called back I was annoyed and I was asking to please be taken off the lady ( XXXX ) said this isnt a list, I told her well u have the wrong person please stop calling me she stated I dont like your attitude your phone number is public record and hung up on me. I called again and asked to speak to a supervisor and spoke to a XXXX I asked again to speak to a supervisor, he stated he was, I told him oncev again to take my number off and that his agents were severely rude and hung up on me.. He began yelling at me, I told him thats fine I was going to speak to a lawyer today regarding a different matter but that I was going to mention this harassment.. he stated screaming I hope you do!! Its people like you that ... and I couldnt make out the rest and he said Your life is insignificant. I couldnt believe he said that and he had the nerve to hang up on me the number is a collections agency the phone number is XXXX XXXX and XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-12-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX the above company name showed up on my credit report. I don not Have any Account with such company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Caliber Home Loans, Inc.
State: NH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caliber Home Loans continues to place harassing phone calls to my phone despite being advised that I owe no debt. They call in regards to a XXXX XXXX who I have no affiliation with. In the most recent call the bill collector failed to identify himself or the company calling and what it was in regards to which is a clear violation of federal law. I call the Company back and spoke with representative XXXX who would only provide part of his name XXXX employee number XXXX. 

Call XX/XX/XXXX at XXXX Call XX/XX/XXXX at XXXX I continue to receive harassing and distressing phone calls from this company and they have now began using illegal collections tactics. I urge the CFPB to pursue an investigation into this company and their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: FORD MOTOR CREDIT CO.
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:
XXXX and XXXX are reporting me as 30 to 60 days past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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:
Portfolio Recovery is reporting non verified information and has failed to send documentation as previously requested to show this account belongs to me and I owe Portfolio the original debt. The debtor is XXXX XXXX XXXX in the amount of {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
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:
XXXX  and Transunion are reporting me as 30 to 60 days past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

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 2019-02-19
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notification from XXXX  that Commonwealth Financial Systems has flagged my account for collection. Upon logging in and reviewing the information submitted to all three credit bureaus by Commonwealth Financial Systems, I assert this company is attempting to collect a debt that does not belong to me. I have not been in the emergency room during the times they allege the debt was incurred. I have attempted to dispute this debt, but each time I dispute it, they fail to remove the information while it is being investigated, they fail to provide me with proof the account is mine, and update and refresh the reported information to appear as new within days of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
1. On XX/XX/2018, I sent an initial letter to EOS CCA ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$520.00}.

2. I also notified EOS CCA that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to EOS CCA on XX/XX/2018 at XXXX XXXX. A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for EOS CCA to send me verification of the debt. I havent received anything.

5. The entry of {$520.00} on my XXXX  and XXXX  credit reports is entirely inaccurate, incomplete, and represents a very serious error in reporting.

Company response to consumer: Closed with explanation