BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-11
Company: Duncan Solutions, lnc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
When asked for verification of debt, I was presented with a printout that did not include the name of the creditor or their contact info. The letter did not state that they are an authorized agent. The printout had codes and information that I could not readily understand. 

The best I can see at this point is that I was issued a parking ticket XXXX with a penalty of {$20.00} - XXXX years old. I threw away accounting records in accordance with the IRS suggested 7 years, so I can not verify using my own records. It must have been paid because the printout has the account go from & lt ; XXXX & gt ; to & lt ; XXXX & gt ; XXXX. On XXXX, it is changed & lt ; XXXX & gt ; to & lt ; XXXX & gt ;, but changed again XXXX to & lt ; XXXX & gt ;. In another area, it says the late fee is {$5.00}. And yet another has the late fees waived " based on effective payment. " The debt has not been shown to be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: HW Holding, Inc
State: NV
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 chose continued attempts though no attempts to contact me have recently been made. But this seemed the most fitting for my situation. I have recently been monitoring my credit on XXXX and I see this debt on my report. I was contacted about damages to the apartment I stayed in after I moved out from the manager. I made a payment and to my knowledge I paid the amount due from verbal conversation through the supervisor at the time, XXXX. So, I recall paying the full amount that was due. I believe it was paid online.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for loan modification in 2010 which granted per attached approval notice from lender. Later, the lender applied rates not according to the approved loan modification notice. 
I request correction and full compensation from lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a residential mortgage with OCWEN, and apparently the are skipping months of reporting my over 5 years of on time payments. This is the same mortgage company that were reporting my information religiously monthly when my payments were late over 6 years ago. I have contacted OCWEN prior about reporting my on time payment to the credit bureau. I believe this practice is unfair to consumers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Shellpoint Partners, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX  was Loan originator. They were the worst mortgage company I have ever had to deal with, they were very litigious with a legal department incessantly seeking opportunity to assess legal fees and force default. The Loan was sold to Shellpoint Mortgage Servicing who have turned out to be an even worst nightmare. 
They routinely assess fees basically for just holding the loan. If your property taxes or insurance goes up watch out as it will be a XXXX to assess additional fees and they will never communicate any of this beforehand and filing an appeal or compliant is useless. They both will undoubtedly do well in the current COVID afftected economic downturn and many will lose their homes and property to their unfair practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: First Associates Loan Servicing LLC
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Was tricked into applying for a private loan with peaks under the guise that it would be a part of my existing loans with XXXX XXXX. 

Peaks offers no provisions for a deferment and refuses to offer me any assistance with repayment, I 'm XXXX dollars in dept and XXXX dollars behind, since I was not able to make my payment, my account is now XXXX days delinquent. 

If they had offered a forebearence option or an income based repayment like XXXX XXXX does, I would not be in this situation. Their collectors are calling multiple times a day. 
Im having a very difficult time managing the XXXX this is causing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My credit report of my child support status amounts are inaccurate and very unfair to be reported on my credit reports as being unpaid or late payments. I am XXXX and have been so since XXXX XXXX, XXXX according to Social Security standards, my daughter was receiving payments from my XXXX from XXXX of XXXX until she turned XXXX in XXXX. In XXXX of XXXX I was told by a judge to have her placed on my benefits and was done as informed. However, I have noticed that on my credit report there has been a constant report of erroneous information basically identifying me as a XXXX. I believe this to be an unfair credit report and extremely hurtful to me on behalf of my credit. Today I have noticed that this error is still reporting on my credit report and I am asking for this matter to be corrected and a stop be put to this unfair credit practice as described by the equal and fair credit reporting agency. Thank You, Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion refused to correct a deliquency that the reporting company verifies they have corrected. XXXX XXXX XXXX, XXXX, XXXX sent me a letter regarding my XXXX card on XXXX XXXX, 2016 indicating that they have cleared me of any delinquencey associated with Account ending in XXXX. I have received verification from XXXX that they have sent this to all XXXX credit reporting agencies.I received a letter from TransUnion dated XXXX/XXXX/2016 stating that they will not correct the 30 days late. I forwarded TransUnion this letter, which indicated they had removed the delinquency.

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 2015-03-24
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted PDQ on Several occasion asking them to provide me with proof that this is my debt. I do not owe this debt and they continue to report inaccurate information on my credit file. I sent PDQ a dispute letter on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and now XXXX XXXX, XXXX and they still have not complied with my request. I need you to assist me in getting this matter taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
FILE NUMBERXXXX REPORT DATEXXXX NAMEXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; +XXXX # XXXX this a fraudulent account listed on my credit file XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1700.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$1700.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : & gt ; {$1700.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : ACCT INFO DISPUTED BY CONSUMR ; & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I filed several times before complaints against " XXXX '', " TransUnion '', " XXXX '', " XXXX '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " TransUnion '', " XXXX '' decided to take a Revenge against me by Re-age on XXXX a XX/XX/XXXX deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " XXXX '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XXXX, b ) XXXX account # XXXX i closed it on XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by Bribing Politicians or because Corporations are Governing America???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have a closed credit card account through XXXX. On XXXX/XXXX/17, this company repeatedly ( four times in a span of a few hours ) called from both blocked and unblocked phone numbers to harass my husband ( the primary card holder ) about receiving payment. Our payment was not even due until XXXX/XXXX/2017 and there was absolutely no reason for this company to be calling this often or to be trying to collect a payment that had not even reached its due date! I called the company and explained the situation on XXXX/XXXX/2017 and told them to stop harassing my husband and I over a bill that was n't even due yet. The customer service representative did n't even apologize and just told me she put a block on his phone number, but they could still continue to call my cell phone. I told them this was harassment and I was n't going to answer if anyone called because I was at work and the bill was n't due yet. I am very upset with the way this company tries to get in touch with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A debt collector keeps calling me stating they are a debt collector and wanting me to call them back at XXXX XXXX and at XXXX XXXX XXXX. They never leave a name only wanting me to call them. I do not have any debt XXXX and have not in over XXXX years. These are not my debts and I live alone. Please take the time to take care of this. I have been on the NO CALL list for many years and have never needed to contact you before now. Thank you very much

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Alorica Inc.
State: IN
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:
COLLECTOR KEEPS COLLECTING A DEBT NOT MINE AND RAN MY CREDIT W/O PERMISSION IN VIOLATION OF FCRA. ( SEE ATTACHED REPORT )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2015, more than a month ago now, I completed a refinancing of an existing mortgage. The new lender transmitted the payoff amount to the old lender, Ditech. Ditech acknowledged receipt of the payoff amount, and they " closed '' my account. However, Ditech acknowledged that it owed me the balance in my escrow account, which is approximately {$1900.00}. To date, Ditech has not sent me a check for the escrow balance. I have attempted to contact Ditech but I have received no reply. Ditech understands that the escrow balance is due to be paid to me, not to my county/town tax authorities ; the new lender already paid the biannual payments which were due this month, and Ditech has been made aware of the tax payments. Please contact Ditech to demand that they send me the escrow balance without further delay. Thank you in advance for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CAPITAL ONE BANK USA N XXXX Date Opened XX/XX/18 Balance {$410.00} I am concerned with the quality and precision of your current inspection as well as the delayed payments needed for this particular account and also how it is reporting on my credit report. Around 45 days ago I applied for an investigation because I assumed the item is just not being cited most recently. To my big surprise, I got a letter announcing that your evaluation was achieved and that the item had been " verified as correct. According to Section 1681 ( g ) make sure you provide me personally along with a summary of the process accustomed to verify that this particular account is " complete '' and post me the name and addresses of persons got in contact with per legal guidelines located in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX {$740.00} Take off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Purchased a home in XXXX, XXXX in XXXX for {$390000.00} the height of the inflated prices of the housing boom after taking a XXXX job. So, moved myself from XXXX to XXXX with no assistance from the XXXX. Left XXXX and moved to private industry for 5 years. Rejoined XXXX, XXXX to move to XXXX with no housing assistance. Was able to get the house rented but it did not cover the mortgage costs. The market value never returned to the amount that I paid for the house. 
About XXXX or so, the huge retaining wall needed a {$20000.00} repair which we could not afford, so we were unable to rent it any longer or sell it. So, we decided to try a short sell finally getting it sold for {$250000.00} in XXXX. However, Ditech, the largest of the XXXX company 's holding the Mortgage would not allow a short sale to go through until I was 90 days past due. By the time the final transaction was completed, they were able to state that I was 6 months passed due, seriously degrading my credit rating. Also, they posted to the credit companies that the loan was closed, but not paid in full. 
1 ) Is there anything that can be done with my XXXX employer to force them to provide some financial assistance that was never provided? 
2 ) Is there anything that can be done to fix my credit history? 
Seems like the system is rigged against individuals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX I got a mortgage for a small XXXX bedroom mobile home through XXXX XXXX Mortgage. The contract was a forgery, signed and altered by the seller in order to change the interest and payment I signed for. XXXX ignored all my complaints so I continued to pay the payments until I was sent to prison in XX/XX/XXXX. XXXX forgave the debt and filed it with the Credit Bureau as such. Now this Ditech Financial LLC is illegally harassing me for a debt that was not only forgiven but the statute of limitation bars any collection. There has never been a judgement against me for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a phone call on XX/XX/XXXX from Southern Management Systems , Inc. They informed me they were a debt collection agency working on behalf of XXXX  at XXXX and/or XXXX at XXXX in regards to an apartment lease agreement from XX/XX/XXXX to XX/XX/XXXX. This is an apartment complex my daughter lived in college. They claimed there was an unpaid charge for {$230.00} in damages to repaint the bedroom and bathroom and part of the common areas along with an unreturned door remote. I explained I was unaware of any charges and I had not received any notices They went further to inform me that collection notices had been going to the wrong address. I further informed her that I was a listed guarantor on the lease contract that had contained my correct address. They acknowledged having no record of providing a notice of a debt prior to XX/XX/XXXX, nearly 1 1/2 years later. The collection woman demanded immediate payment or she would file it on my credit report. I requested that she send me an invoice for my review. I was sent a collection letter dated XX/XX/XXXX of which I did not receive until XX/XX/XXXX. The Guarantee Agreement was attached that had my correct address all along. Upon receipt of the letter, I pulled my credit report to find they reported it on my credit the next day on XX/XX/XXXX. I find this to be an abusive collection tactic and these people should be investigated. This is a deceptive company that is not playing by the rules. They knowingly filed this on my credit report as leverage to collect a debt that I was not provided the ability to dispute. My daughter lived in this apartment for 2 years along with 3 other girls. The lease was renewed for a 2nd year term and therefore paint touch up of {$230.00} should be considered normal wear and tear on a {$19000.00} lease payment term. In summary, I was not provided the ability to dispute this claim until after the fact, but they still filed this on my credit report with full knowledge they had not provided an invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Credit Karma, LLC
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent notice to credit reporting agency that there is an error by XXXX communications on my report. 1 ) I cancelled XXXX due to poor service 2 ) XXXX is an internet company that invoices month in advance 3 ) I did not pay the last invoice as I was not getting the internet speed they charged me for, and they bill in advance. 4 ) XXXX sent my account to collections. 6 ) Not only is this on there once, it appears as a collection three times on my credit report. 7 ) I contacted XXXX years ago about this, they did nothing. 8 ) I 've contacted credit reporting agencies, and I have heard nothing back. 9 ) This has affected my credit rating. I do n't feel I owe this amount ( about {$62.00} ). And I feel all XXXX these collections should be removed from my credit report. Can you please help me? Poor credit results in me paying higher prices for insurance and interest rates. How can I get this collections off my report? It was a prepayment and service was horrible.

Company response to consumer: Closed with explanation