BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: GA
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:
Dear To WhoXXXX XXXX XXXX XXXXncern, On XX/XX/XXXX, I have contacted XXXX about un-authorized payments made and un-authorized charges made on my account. I have provided detailed information and all the charges that were not authorized. Someone had hacked my online account and added the card to their XXXX XXXX/online charges. When I notified XXXX they disputed all the wrong charges : which caused all of my merchants that were on auto-pay to be owed again. They apologized and attempted to sent the money back to the merchants that were authorized. With Speaking with them again on XX/XX/XXXX, I have spoke to another representative to have the correct charges disputed. At that point I have closed my account to make sure not other charges go through. With the ATTEMPTED correct dispute. I have waited another 60 days and they have denied my claim. Un-Authorized payments and charges were made on this account and they kept denying my claim. I offered to file a police report and XXXX on XX/XX/XXXX said it wouldn't have mattered. Complete mess, My limit was {$3200.00} and it shows I owe over {$14000.00}. Explaining the situation again they wanted to set me up on a hard-ship payment plan which they did for 60 months. I am not responsible for the mishandling of this account by the fraudster or the bank. This has been a total nightmare dealing with this bank and trying to get this account resolved. On XX/XX/XXXX, I called 3 times and got hung up on. Attempted to speak with a manager for a settlement ( even though these charges are not mine ) except the ones that were for my bills. They told me no settlement is available and I made these charges. Why would I rack up {$14000.00} of debt if my limit is only {$3200.00}. My account prior to this summer was paid on time and kept a low balance. I have been treated so bad and this is ruining my life. I am tired and stressed about this situation and don't know what else to do. I received a call back from a supervisor named XXXX on XX/XX/XXXX. She stated she doesn't know why I was held responsible for these charges but can not settle. They don't have that option anymore. I will provide a police report or anything to have this account situated. I have been dealing with this for almost a year. They told me they can file a complaint but that wouldn't do anything. I told them I would go with the CFPB and possible an attorney she said it did not matter they can't help. I am not sure if you can help but this is driving me insane. Please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a letter to a company called Fair Collections and outsourcing because they were on my credit. I did research and found that for them to report to your credit, they have to send certain notifications. They did not. I sent them a letter on XX/XX/XXXX to dispute the account because it is on my credit. They did not respond to that letter until XX/XX/XXXX, by which time I had already written them a second dispute. responding more than 30 days to a consumers request for authentication is a violation of the FCRA. They have violated the FCDPA by no providing the required validation requested when they did respond. It is my understanding that for these matters you are the proper arbiter. PLEASE HELP ME!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
TransUnion investigation has taken more than 140 days to investigate my initial dispute, and they have still have failed to respond more than140 days later. I wrote to TransUnion requesting an investigation to advise them of accounts showing Inaccurate, Unverifiable, and Incompleteon my credit report on XX/XX/XXXX. TransUnion received and accepted through registered mail my dispute letter mailing dated ( XX/XX/XXXX ) and my follow-up letter ( XX/XX/XXXX ), and a second follow-up letter on XX/XX/XXXX. To date, they have not done their duty as mandated by law. These erroneous errors are continuing to report on my credit report after multiple attempts to have them corrected. Under Federal Law, I also understand they are required to complete and notify me of their investigation results within 30 days, which I have given an additional day due to COVID, but to take 140 days is ridiculous. TransUnion has failed to provide me anything in more than 140 days.

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 2021-02-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to Covid19, My wife and I have nothing but hardship in the last 6 to 9 months. 

Select Portfolio Servicing is unwilling to do a home modification. 
They have increased my Forberence by {$1000.00} per month on top of my standard payment. ( {$1600.00} PM, + {$1000.00} more for a total of {$2600.00} XXXX They have also added extra Fees ( {$450.00} XXXX to the loan. 
Total reinstatement {$13000.00} We can not afford this! We don't have the funds saved to payback over XXXX in payments. 

My wife and I over the course of the last 6 to 9 months have been temporary and permanently laid off from work with and without unemployment. Hrs. have been reduced due to the State of Georgia and US Federal Covid19 guideline.

The loan is a XXXX XXXX, Why do we not qualify for a Loan Mod? 
We are at 4.25 % and should qualify for a reduced 2.25 % Select Portfolio Servicing Inc. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX Relationship Manager : XXXX XXXX XXXX Ext. XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX XXXX XXXX XXXX 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 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 paid my XXXX 'XXXX account in full, however, XXXX 'XXXX   reported that I paid in settlement. I contacted to XXXX 'XXXX who then sent me a paid in full letter. Yet, the 3 credit reporting agencies will not update this information on my account. I have included both paid in full letters to this complaint.

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 2022-10-04
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 information incorrect

Complaint:
On XX/XX/2022 I fully paid off all of my credit card accounts and one personal loan account. At that time my XXXX credit score was XXXX. Then today my credit score dropped to XXXX. Most of the information is incorrect such as oldest credit line went from 30 years to 4 years (??? ). My credit used shows 87 % which is incorrect. I do not owe anyone anything. My available credit decreased from approximately {$12000.00} down to {$660.00}. This does not make sense. I paid off 100 % all of my bills and my credit score goes down. What is wrong with our credit reporting agencies? I will be writing my US Congressman and US Senator about this unacceptable credit reporting misinformation issue. I paid off 100 % of my credit cards and personal loan and then my score goes down! This should not happen to anyone, especially persons who pay their bills. I hope these credit reporting agencies did get my name mixed up with someone else 's. I am a XXXX senior U.S. citizen and I don't have the time or physical energy to chase down these credit bureaus mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Lease Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$650.00} written off. {$860.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$1200.00} XXXX updated XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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: Information belongs to someone else

Complaint:
THERE ARE COLLECTION ACCOUNTS THAT APPEAR ON MY CREDIT REPORT DUE TO IDENTITY THEFT.

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 2018-03-15
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Between XX/XX/XXXX and today ( XX/XX/XXXX ) I have repeatedly contacted XXXX XXXX and XXXX XXXX via phone and email explaining the problem over and over and asking for progress on getting this removed from my credit reports. I get no response. This has been going on for months now. 

In XX/XX/XXXX, I sent NCS pay stubs showing amounts taken from my pay, which indicated that XXXX XXXXXXXX XXXX debt was paid in full. They still claim not to have received all of the {$1700.00} plus that was taken from my pay, even though the pay stubs that prove it. They claim to only have received about {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Based on my investigation, the credit bureaus are misrepresenting the information because XXXX XXXX XXXX XXXX Mortgage 's reported that my mortgage increased by {$10000.00}. There was a forbearance taken which should not have resulted in {$10000.00} being added to my mortgage loan to give the appearance to the credit bureaus that it increased. I was told by XXXX XXXX Mortgage that it would not be reported in this manner to the credit bureaus which was untrue. I was led to believe that there would be no penalties for taking a forbearance. This process of convincing a customer to take out a forbearance and that it will have no impact on the credit score should stop. It is misleading and deceptive to a customer. In addition, XXXX XXXX is reporting the mortgage account one way on their " XXXX XXXX '' dashboard with a different balance than in another section of their website under the mortgage payment section. So there is conflicting payment information on the XXXX XXXX XXXX XXXX website for my mortgage loan. This appears to be a " glitch '' in their system that is unresolved which creates confusion for the customer. Their on-line website reflected conflicting information for my mortgage loan beginning in XX/XX/2021. Prior to XX/XX/2021, it was being reported correctly on their website. Their new enhancements with the " XXXX XXXX '' has created conflicting information in their system for my mortgage loan resulting in the way the balance is reported and shown to others.

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 2018-03-15
Company: Capio Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XXXX 2017, an erroneous medical collections appeared on my credit reports from Capio Partners. They are now the 3rd or 4th company that has attempted to re-age and re-report this debt that does not belong to me.

The reason I am contacting CFPB is because : NO CONTRACT/INVALID CONTRACT/HIPAA VIOLATIONS/FDCPA VIOLATIONS/DEBT RE-AGING/INVALID INFORMATION I have not received any paperwork from Capio Partners. Instead, I have received harassing phone calls. I have attempted numerous times when they have called me to ask for debt validation and also asked them to stop calling me. I still have been receiving harassing phone calls. I still have received NO paperwork or debt validation from Capio Partners, showing that I signed any contract with their company. 

This violates my consumer rights under the FDCPA. I have been keeping track and they have violated my rights over 10 times -- according to the FDCPA, I am entitled to {$1000.00} per violation, should I decide to pursue my legal options.

Additionally, IF Capio Partners were to produce ANY paperwork related to this supposed medical debt, they would also be in violation of HIPAA patient privacy laws. I have never had a contract with Capio Partners in the past, present or future and never authorized or gave my expressed consent to give them access to any and all medical records, which are not limited to and also include medical billing statement for myself or any dependents in the past, present or future. I do NOT have any contracts with Capio Parnters.

They are in clear violation of the FDCPA and HIPAA.

I am requesting that they : 1 ) Immediately cease and desist from all collection attempts on this account, now and in the future, including but not limited to ceasing and desisting from re-selling or re-aging this debt to another company 2 ) Immediately remove this account from all of my credit bureaus and reports, namely XXXX, XXXX  and XXXX  now and cease and desist from any and all attempts to place it back on there in the future If my request is not immediately complied with, I will be contacting an attorney to pursue my legal options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/21, I requested my credit report and complete credit file from EXPERIAN. I was notified that they would be mailing out both the report as well as the file, but I've only received the report. Experian has refused to send me upon request my complete credit file.

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 2021-09-22
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i received an update on my credit report and I now have a collection reporting from a company names XXXX XXXX XXXX. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company. 

After doing research on this company XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself.

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 2019-05-20
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 I paid in full all amounts due on my mortgage to bring it current. The amount I paid was {$11000.00}. On XX/XX/2019 I received a bill saying that {$250.00} was past due. When I called Ditech Financial I was told they had misapplied funds to the escrow account and that error was to be corrected. I was told everything was in order and there was no back payment due. I asked for a corrected bill but was refused and told to pay the next mortgage payment due. I did so and that payment was received on XX/XX/2019. I received a billing from Ditech Financial alleging that there was a late charge due of {$30.00}. When I asked from where did that late charge come, I received a non-responsive answer of the our records show ... variety. When I asked for specifics I got the same response and told to dispute it if I wanted to do so. 
There is no back payments of any kind due. I am totally current. I did notice that Ditech Financial paid out {$30.00} from my escrow account to cover local real estate taxes due but that is not an arrears payment but an advance which they recover in the next payment. Billing me alleging a past due amount is totally false. 
I will appreciate whatever you can do to settle this matter in my favor. 
Since Ditch Financial is in bankruptcy court in NY XXXX XXXX I wonder if this billing is part of a strategy to bring in cash during reorganization? 
Thank you again for your assistance. 
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 2019-06-12
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:
Back in XX/XX/2019, I attempted to contact Transunion to let them know I was a victim of identity theft. They have ignore my letters and have failed to remove bogus information from my file. ( which I know because they updated accounts to consumer disputes ) In accordance accounts which were opened by fraud within 4 business days, per FCRA Section 605B, my rights have been violated and I am now ready to seek legal help. This situation has caused me a bad reputation and being embarrassed and turned down. 

I have also attached the documents sent to Transunion below, have faith that they will correct the problem and clear my name from this bad dream

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 2021-09-22
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They sued me mid pandemic. Initial amount owed was {$1100.00}. I called to agree to {$990.00} @ $ XXXX/mo. I've made pmts in XXXX, XXXX, XXXX, XXXX & XXXX. But they always report to my credit that i didn't make my pmt and they report a higher amt than I actually owe. I currently owe {$590.00} but they reported that I owe {$770.00} for this month. I've tried to have this corrected directly with them. They have refused to let me speak to a supervisor after multiple requests. I finally filed a dispute with XXXX on XXXX for inaccurate payment history and inaccurate amount. I called today ( as a courtesy ) to let them know that I missed almost three weeks of work due to COVID19 and that I wasn't able to make my payment this month ( the dispute is still pending but I still want to pay them ). I spoke to XXXX XXXX on XX/XX/22 @ XXXX EST. He told me " he doesn't have to defer my payment unless I drop my dispute. '' His exact words! He tried to twist my arm to drop the dispute! I demanded a supervisor and spoke to XXXX XXXX @ XXXX. I wanted to report what the previous rep said to me and that I will not be able to make the payment this month due to COVID19. I clearly told her I did NOT wish to discuss the dispute. She argued with me for over 15 minutes about me dropping the dispute even though I said multiple times that I wont discus it with her. I then asked multiple times if our call was recorded. She replied multiple times that it " may be recorded. '' This company sued me mid pandemic, has been nothing but a hassle, reports inaccurate information to the credit bureaus, refuses to defer a payment due to COVID19 and is trying to twist my arm to drop a dispute.

Company response to consumer: Closed with explanation