BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
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: Investigation took more than 30 days

Complaint:
XX/XX/2020 submitted dispute to experian On 9 accounts. Was sent certified and delivered XX/XX/20. No results received. It's been more than 30 days. Emailed CEO and requested removal for failure to respond within 30 days and not adding " consumer disputes '' notice. Both violations. He in turns opens a dispute for each of these accounts after I sent the email disputing and asking for removal of these accounts. Yet they still remain. Legal action will be taken for violations.

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 2020-12-22
Company: V and H Portfolio
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Vance & Huffman has violated my rights as a federally protected consumer under 15 USC 1692. Please review attached documentation. Additionally, Vance & Huffman accused me of making false allegations and blatantly dismissed my concerns as well rudely stating that I can proceed as I see fit. Vance and Huffman stated in their response that their compliance department reviewed the call. However, I never gave permission to be recorded, as well as they have yet to produce and said findings of call. They removed the account from my credit reports and within the same 24hrs placed it back on to my credit reports. Which now reflects even more negatively as a new collection account. Thus, decreasing my scores even further. Vance and Huffman are blatantly ruining consumers credit by using ethical practices and preying on consumers ignorance. I sent Vance & Huffman a Default and Opportunity to Cure via certified mail. I received the return receipt as well acknowledging receipt. Attached please find the initial Affidavit of Truth dated XX/XX/2020 and Default and Opportunity to Cure dated XXXX XXXX, 2020. Vance and Huffman has not responded to date XXXX20. Thus, going past the required legal timeframe allowed for responding. I will now proceed filling with the XXXX and XXXX Courts in order to receive assistance with resolving said concerns. It is unfortunate that Vance and Huffman continue to violate consumer rights and behave as if there are no consequences for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Paypal processes payments between buyers and sellers, and they claim to be protecting the buyer against fraudulent sellers ( misrepresented used goods ). When there is a problem, they do n't review the case carefully, and they lacksadaisically inform the buyer that s/he needs to foot the bill for the return shipping and tracking information, even when it is between foreign countries. They have an insurance program to cover these types of disputes, but they do NOT make any of the information available to the buyer. They try to trick the person into paying the bill. I think they are indifferent and lazy, and in this way they passively foster and foment fraudulent activity among predatory sellers. 
Buyer beware, do not use paypal outside of ebay because ebay will protect you buy paypal will absolutely not. PAYPAL = negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: AMERICAN EXPRESS COMPANY
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:
I have a credit card from AMEX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called AMEX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and AMEX with no successful resolution. XXXX, XXXX, and XXXX reporting me 60 days late. There was an error on their part. I was never 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: AMERICAN INTERNET MORTGAGE
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had Aimloan as a mortgage company for quite a few years and every time funds are due including an insurance claim, an over payment of insurance, and currently an escrow amount due they take months to make payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: Dynamic Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I found a ding on my credit report from this company and have NEVER received a bill or any other communication from this debt collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26
Company: Continental Finance Company, LLC
State: MO
Product: Credit card
Issue: Late fee

Complaint:
This is a formal complaint against Continental Finance ( XXXX XXXX ). There was an unauthorized charge on my card. I promptly reported it to my credit card company and they were very sluggish in resolving the issue. They sent out the required paperwork for me to sign to dispute the charge THREE WEEKS after I made the complaint despite the fact that I only had a limited amount of time to dispute the charge. Disgusted with the poor customer service, I withheld payment until the matter was resolved which was my right. After another 30 days had elapsed before they finally resolved the issue but had managed to add late charges of {$65.00} and even after I made the payments, they continue to mount late charges each month despite the fact that I made timely payments. 
The reason that they give is that the entire required payment including the late charges was n't paid in full. I only paid the required minimum monthly payment since the late charges were not valid since I made the required minimum monthly payment in a timely manner. I have tried to resolve this issue with the credit card issuer and their customer service agents are rude, arrogant and uncooperative. 
I am going to paid this credit card in full and close this account. 
But I want this companies ' unethical and predatory behavior on the record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collection agency is listing a XXXX payday loan for over {$3000.00} on my credit report as of XXXX. This agency has never attempted to contact me in any way. 

The last payday loan I received was in XXXX for the California state maximum of {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was in XXXX ( for something that happened during an acknowledged XXXX ) and my son was taken to the doctors months into my XXXX. When I left he had insurance and everything for him was up to date. I get out 2 years after the hospital trip and I have an account in collections while piecing my life together.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Commonwealth Financial Systems, a third party alleged debt collector failed to send my " Mini-Mirandi '' rights before placing this alleged debt on my credit report, in which I asked for validation and informing them about the " Mini-Mirandi '' rights. They did n't respond, so I contacted the XXXX and Commonwealth Financial Systems stated to the XXXX they would immediately remove it by notifying the XXXX credit bureaus ( XXXX, XXXX, & XXXX ), in which they made this statement to the XXXX on XXXX ocassions ( XX/XX/2015 & XX/XX/2015 ) to no avail. 

Then on all XXXX credit bureaus this item is still on there to this day XXXX XXXX, 2015 with a little trickery on blocking out certain numbers, but get this, it 's the same account and even shows it 's pass the 7 year " Statue of Limitations '' for removal from all XXXX bureaus. They are arrogantly breaking the in regards to FDCPA, FCRA, and defamation of character. 

Please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX XXXX all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been subject to constant, harassing phone calls from Green Tree Mortgage for the last XXXX years. 
I am divorced, but the mortgage on my former home is still in my name, as my ex-wife can not get it in her name. As part of the divorce decree, I pay my ex-wife, who is responsible for paying the mortgage. I pay her, but she is unable to make the payments on time. Green Tree will call me continuously, from XXXX a day to as many as XXXX times a day for XXXX weeks out of every month, and then start again.Green Tree is fully aware of these circumstances, but has continued to harass me. This has been going on for XXXX years, calling my cell phone at various times during the day, leaving threatening messages regarding legal action against me. This has been going on for years. Please make them stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a modification by XXXX XXXX XXXX in XX/XX/XXXX after 2 years they increased payment by {$100.00} then {$200.00}, I thought it was escrow issue but then i noticed nothing changed and filed a dispute with XXXX and they lowered my mortgage back to the agreed amount. 

After this they sold loan to Green tree. Green tree began to state i was behind on the morgage every date they provided i gave them proof of payment. With this they still sent me letters that i am going into forclosure. Recently they sent me a modification for a higher intrest rate and threatened me with foreclosure if i didnt sign, i refuse to sign because again every date they said payment was missing i gave them documentation it was paid.Also the modification payment would increase by about {$800.00} from {$2300.00} to {$3200.00}. 
They refused to accept my XX/XX/XXXX payment at first and accepted it ( XX/XX/XXXX ) they but stated next month they would charge me {$300.00} dollars more and they would still proceed with forclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bofa checking account which is linked to my unemployment benefits had fraudulent activity with some unknown person using the card to withdraw funds from atms near me. The unknown person withdrew {$1000.00} at a time ( the maximum ), in consecutive days XXXX XXXX, I reported the fraudulent withdrawals immediately on approximately XX/XX/XXXX. BofA initially credited the fraudulently withdrawn amounts and then subsequently made adjustments and removed those credits. Now my account is negative due to those fraudulent transactions not being credited.

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 2016-11-12
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received correspondence from this company dated XX/XX/XXXX. I spoke with a representative when I received phone calls. I explained to the representative that this debt was paid with another company that had validated the debt. I asked for validation of the debt. However, no information was received. I mailed a letter to the company on XX/XX/XXXX disputing the debt and also requested validation of the debt. I received no information. I resent the letter on XX/XX/XXXX. No response was received from the company. I called on XX/XX/XXXX. A representative told me that she would get her manager to investigate. I still received no follow-up. I called again on XX/XX/XXXX. At this time, I requested to speak to a manager but was told that no one was available. I then asked for a manager to give me a call back. I received no phone call. I now see that this account was reported to XXXX on XX/XX/XXXX with a balance of {$660.00}. I am reporting Debt Recovery Systems for noncompliance and requesting that this debt be removed from my credit reports with 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 2016-06-15
Company: World Acceptance Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Sent a dated letter to this company which including information needed to verify debt ( name, account #, amount ) and the company claimed I sent a " frivolous '' undated letter without specific enough information!! They also have the incorrect account number written on the response letter they sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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 information incorrect

Complaint:
https : //usa.experian.com/  reduced my credit score by 20 points for no reason and keeps it low, while on another credit cards the score is high, for example, XXXX XXXXXXXX credit card  my score by XX/XX/2020 is XXXX points, but at Experian only XXXX. How to understand this and what it is? They constantly underestimate the score!

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 2020-12-22
Company: ALLY FINANCIAL INC.
State: MI
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:
My payment with Ally financial is due on the XXXX of every month. Ally financial is reporting a payment as 30 days late on my credit report from the month of XX/XX/XXXX that was paid on the XX/XX/XXXX when the payment was only 8 days late. Ally financial is also reporting my XX/XX/XXXX payment as 30 days late when it was paid on the XXXX only making it only 12 days late. I also made an extra payment of in XX/XX/XXXX but Ally financial knows that they get more interest if I don't make extra payments so they are tying to penalize me for a month that I made extra payments on, hence why they are being dishonest on my credit report about my payment date. I use ally financials online portal to make payments and I have attached screen shorts of payments that were process by ally financial on the XX/XX/XXXX and on XX/XX/XXXX. Ally Financial is not being honest and is abusing their power of not having the late payments removed by not agreeing to remove the late payments. Ally financial can clearly see in the online portal that the payments were made within the 30 day time frame.

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 2015-05-13
Company: Dream Center Education Holdings
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am receiving demands to pay a debt to a collections agency from a For-Profit College. I have student loans that should have covered this cost. I do not understand why this debt is on my credit record. I am not disputing my student loan claims. Why do I have this extra cost?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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:
XXXX XXXX # XXXX I have no knowledge of this account ftc Print Review Summary

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 2015-04-28
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. MY SERVICER, GREEN TREE, HAS SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/2015. MY SERVICER HAS HAD A LONG-LASTING PHONE MALFUNCTION ISSUE SINCE LAST WEEK. I AM UNABLE TO COMMUNICATE WITH MY SERVICER. THE ONLY NUMBER PROVIDED TO ME IS XXXX XXXX XXXX. THIS IS AN AUTOMATED SYSTEM AND IT HAS HUNG UP ON ME MORE THAN A XXXX TIMES SINCE LAST WEEK. I HAVE HAD OTHERS CALL FOR ME ON MY BEHALF WITH THE SAME RESULTS - HANG-UPS! WHILE MY SERVICER WILL NOT ALLOW ME TO COMMUNICATE WITH THEM, THEY HAVE SENT ME WRITTEN NOTICE OF THE FORECLOSURE SALE FOR XXXX/XXXX/2015. I HAVE SENT EMAILS TO SENIOR EXECUTIVES AT MY SERVICER - THESE EMAILS HAVE BEEN IGNORED. IN ADDITION, GREEN TREE IS REVIEWING MY REQUEST FOR MORTGAGE ASSISTANCE AND AT THE SAME TIME CONDUCTING A FORECLOSURE SALE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear CFPB, I started working on the loan modification with Ditech on XXXX and they had rejected my request, then I went to apply the XXXX California XXXX Ditech is participating lender, on XXXX XXXX I got an email from XXXX requesting supporting documents and was due on XXXX XXXX 2016 and I submitted it on the XXXX. however on the XXXX, I received a letter dated on XXXX from XXXX saying " your loan servicer has not approved your loan for participation in the XXXX program. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COLLECTION COMPANY IS TRYING TO COLLECT AN ALLEGED DEBT WHICH IS NOT MINE AND A VIOLATION OF MY FCRA RIGHT. I REACHED OUT TO THIS COMPANY VIA EMAIL ASKING FOR PROOF OF THIS ALLEGED WHICH CANT NOT BE FURNISHED SO THESE ACCOUNTS NEED TO BE REMOVED FROM MY CONSUMER 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 explanation
Consumer complaint received 2017-02-22
Company: Ditech Financial LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased motorcycle in 1997 paid the loan in full and never received a lien release now selling motorcycle and do not have a clean title

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: I.C. System, Inc.
State: OR
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 lifted the freeze on my credit for a period of 48 hours, during which time IC Systems, who has been trolling my credit by making repeated soft inquiries, placed a collection that has already been resolved and was the result of Identity Theft. 

IC Systems has placed a collection on my credit file for XXXX. This account was fraudulently opened by an individual, XXXX XXXX XXXX SSN XXXX 

Previous attempts to collect this account were removed from my credit file you XXXX, XXXX and XXXX by disputes with them and through CPFB, XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 IC Systems has been physing my credit file, making repeated soft iquiries through the reporting bureaus. This account is fraudulent and is the result of identity theft and use of my identity to obtain services. 

IC Systems had damaged my credit by attempting to collect a debt that has already been deemed fraudulent, they have damaged my credit score and damaged my good credit rating which has refuted in a credit score drop of XXXX XXXX points.

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