BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-15
Company: Account Control Bureau
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are three separate accounts listed on my credit from Account Control Bureau. I have asked for verification of debt with signatures, which i have yet to receive. I have spoken with personnel from the said company on several occasions. I have reason to believe my HIPAA rights have been violated. The alleged accounts are as follows : - XX/XX/XXXX- {$140.00} - XX/XX/XXXX- {$57.00} - XX/XX/XXXX- {$850.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX my husband lost his job as a XXXX. All of the work in our area came to a complete hualt. He did n't work for 2yrs in between that time we had a passing away of his mother which we ended up having to pay for the funeral. Our loan was originally with XXXX then was sold to XXXX XXXX XXXX. So for the past 4yrs we had retained attorneys to help save our home since we were not able to make the monthly mortgage payment since we only received XXXX income. My husband was not able to receive unemployment. So I did several hardships adjust my XXXX at work to retain attorneys to help us get a loan modification which at {$40000.00} later we never received even though our house was only coming in at {$230000.00} but we owe on the first {$400000.00} and on the second {$130000.00}. which XXXX XXXX XXXX would not take into consideration. So now in XXXX they gave us a loan modification with a payment of {$1800.00} per but never forgave any of the balance at all even though the value coming in at the time was only {$280000.00} to XXXX. What really blows my mind is how they can structure a deal with putting a ballon payment on our note of {$35000.00} and not even extending the term they kept it at the XXXX since that was the original loan. So now my husband due to all of the stress from the loan modification has had some medical issues that have to do with his XXXX. so we have been running one month behind and on top of that we still have a second that wants there money and we have no way of paying them. We ended up having to file a bk in XXXX and we have been married for XXXX and have never have any problems paying our bills in the past. What 's really bad is we paid all of that money to the attorneys and never received the loan modification that we should have received. More than once we received letters stating we were approved then two weeks later we are denied. Its been insane to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: Amsher Collection Services, Inc.
State: OH
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 am requesting debt validation for an account this company reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX is reporting inaccurate information on my credit file. I submitted a dispute to Experian and XXXX with regards to this matter and they are still reporting inaccurate information to my credit bureaus. I do not have any obligation to pay this company. I have requested proof of this debt from this company XXXX. As of this date. I still have not received any proof that this account belong to me. I have disputed this matter over and over with Experian and XXXX and they have not deleted this inaccurate reporting from my credit file. I am asking you for assistance in getting this matter resolved.

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 2015-05-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed this problem with the XXXX major credit bureaus and they have not compliedI have a Bankruuptcy Case # XXXX and it was dismissed but the XXXX major credit bureaus will not remove this item from my report. I am seeking the assistance from the CFPB to help with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates, LLC continues to collect a debt well past the seven year limit. Last payment was made to the original creditor almost ten years ago. They still contact me and refuse to remove from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants re cently started trying to collect a  XXXX  debt I do not owe and reporting to credit agencies. I had a  XXXX  account once in my life  fifteen  years ago in  XXXX  for four months while I lived in   XXXX   XXXX  ,  XXXX  for an internship in   XXXX   XXXX  . When I canceled my account, I returned all equipment to  XXXX . However, I received a bill for the cost of the equipment I returned. After literal hours and hours on the phone with customer service in  XXXX  of  XXXX , they located the returned equipment and marked the account as paid. I never received another bill.     In  XXXX , I noticed a different debt collector reporting a  XXXX  debt. I disputed the debt and it was removed from all  XXXX  credit reports. N ow, Diversified Consultants is  trying to collect this debt that I never owned and still reporting to credit bureaus despite my trying to dispute.     I do not owe this debt. Regardless, it is past statute of limitations to collect and is unreportable to credit agencies as any it would  be 15 years old. I do n ot have records due to the old age of the incorrect debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
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 have called this company and I have requested multiple times to have the verification of this account sent to me. I have never received anything from this company I do not know why this is on my credit bureau and I dont even know what Im being billed for. I do not get an answer back from the company I have called multiple times I have emailed them and I have tried to dispute this with you people multiple times as well and I get nowhere. 

I am seriously so done dealing with this somebody needs to get back to me and we need to figure out what this is and what Im being charged for. 

This is unacceptable. 

I am requesting information on the collection account fair collections and out. It says the original creditor is XXXX XXXX- I dont know what that is.

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 2017-05-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I just got off the phone with the  XXXX   XXXX   XXXX   XXXX  who has verified that the  XXXX   XXXX  that Equifax is showing on my credit report is paid, closed and since it was opened in   XXXX  , is over  15 years old. E quifax is reporting old negative activity on my report and I want it removed IMMEDIATELY. This reporting has cost me a job opportunity. If it 's not removed immediately I will resort to hiring an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: BANKERS HEALTHCARE GROUP LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Bankers Health care Group aka BHG-inc.com sent me an credit card to XXXX XXXX XXXX XXXX with an online application for approval. I filled the short application on line with my SS number and DOB which was required and address etc. There was no provision for entering my Fed ID number. I got a phone call from one XXXX XXXX XXXX who wanted few more information further to my on line application. When it came to the Fed. Tax ID number, he said that he had the number and neither did he tell me the what the number was or did I ask him to verify the number. After answering all his question over the phone he said he will email me forms for me to fill out on line and send it back to him. <P/>The form on the email sent me had my correct SS number and DOB but a Fed ID. number that was not mine and never been mine. When I called him about the discrepancy in the Fed ID number he said he got that number when I had provided when I had applied on XX/XX/2016. I  requested a copy of that application by email or by US mail to verify that information. <P/>As of this date I have not received the information and the Tax ID on the form he sent me for me to sign was XXXX. THIS TAX ID IS NOT MINE NEVER BEEN MINE. <P/>I checked this company at XXXX and there is a doctor who made a complaint regarding this company accusing them of fraud and ID theft. Also on face book there were complaints to the fact that the company never makes any loan but forward the information two attorney 's in XXXX under the name of XXXX XXXX XXXX. I personally have a suspicion that the company makes loans to dummy accounts using false ID 'S and ID Theft. <P/>Please investigate this company for : Using a False Fed ID or Fraudulent Business practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After reviewing my most recent credit report from Transunion, I sent a validation letter to the collection agency. I used the address provided on the Transunion credit report. My letter came back undelivered. This is false information being reported on my report. I then sent a letter to Transunion asking them to remove this collection account from my report as it is incomplete and/or false information. They sent me a letter stating that they couldnt read my letter as it was missing info or was ineligible. I find it hard to believe a typed out, clearly stated letter was either of the things they claim. I just want this inaccurate and false collection account removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have written to Experian now many times about the inquiries listed on my credit report that have no permissible purpose and I have asked them to remove them and they refuse. Instead they want to keep putting security alerts or opt-outs on my report. This is NOT what I am asking them to do. This complaint is not claiming ID theft or asking Experian to put a security freeze or fraud alert on my report. This complaint is to ask Experian to supply me with the permissible purpose for each inquiry that is circled in black or remove them from my credit report. 1. I did not reach out to these creditors nor do I remember having any need to apply for credit. 2. I was never extended credit by any of the listed and circled creditors. 3. Experian is guilty of sharing my information with them that should be only seen by me and they are incorrectly reporting them as a hard inquiry. Either way these companies did not have any permissible purpose in pulling my credit, many of them are duplicates why would I apply to them multiple times if I was not given a line of credit, does not make sense. So Experian is to REMOVE EACH OF THE INQUIRIES THAT ARE CIRCLED AND YOU ARE NOT TO PUT ANY KIND OF FREEZES OR ALERTS ON MY ACCOUNT INDICATING FRAUD THAT IS NOT THE PURPOSE OF THIS COMPLAINT. YOU ARE SIMPLY NOT DOING YOUR JOB BUT YET REPORTING INACCURATE INFORMATION AGAINST ME AND IT MAKES IT LOOK LIKE I HAVE BEEN APPLYING FOR CREDIT ALL OVER THE CASE AND THAT IS NOT THE CASE. REMOVE THESE INQUIRIES IMMEDIATELY AND SEND ME A NEW CREDIT REPORT SHOWING THESE HAVE BEEN DELETED.

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 2017-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have disputed several times and have not gotten the results I wanted, and the customer service staff was n't any help in assisting. Please remove ALL address off my credit report EXCEPT : XXXX XXXX XXXX, XXXX XXXX, FL XXXX And please correct my name on file to : XXXX XXXX. 

No other names or addresses should be on my credit report. 

Thanks.

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 2015-04-27
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
some XXXX use my in formation to get a phone with XXXX it was not me .and now they are calling me at my home and work place

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Paypal Holdings, Inc
State: IN
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Paypal allowed a XXXX dollar withdrawal from my paypal account. They have closed the case but did not return my money. It is a withdrawel from XXXX I do not know this person, I did not send any money to him.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30
Company: Paypal Holdings, Inc
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been a customer of the Paypal credit ( previously Bill Me Later ) for some time now. While reviewing the CFPB website I saw a determination of some practices that I believe I was a victim of. 

Abusively charged consumers deferred interest : The ability to repay the items that were being deferred was not easily apparent, and as such caused undue fees to be applied instead of paying items that cause additional interest. 

Made consumers use PayPal Credit for purchases instead of their preferred payment method : Merchant websites utilize whatever payment option is chosen with paypal, and the payment is not easily apparent. Multiple times I have payed for items that have used the default " paypal credit ( bill me later ). At the time I did n't realize this was something to watch out for but after reading the article there are more than a few items that I would have rather payed for up front for that I was n't clear I had the option for that are now costing me in interest. 

Please review my account and case because I feel this falls directly in line with the determination made by the CFPB in XXXX of 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Experian,  XXXX , and   XXXX   in reference to the bankruptcy reporting inaccurately on my credit report. They stated that it was reported by the  US ba nkruptcy court. I sent a letter to  the US Bankruptcy court on    XXXX   XXXX ,    2016  and they sent me a letter back stating that th e US Bankruptcy court does not report to the credit bureaus, and therefore they have no control over the information contained in my report and that I may want to work  with the bureaus directly. I Then sent a letter to Experian  XXXX , and  XXXX  on  XXXX / XXXX / 2016  advising of the letter that I received from the courthouse and they sent me a letter back stating that this has already been disputed and they will not reinvestigate and I will need to contact the courthouse. I have contacted the courthouse and provided Experian,  XXXX , and   XXXX   with the information that was given to me and they fail to reinvestigate. It is my understanding that reporting false information is a violation of the Fair Credit Reporting Act, and by them claiming that they received the information from the court, when they did not is a complete violation and that means that false information is being reported on my credit report for the Bankruptcy and  Tax Lien. The tax lien is showing that the courthouse is the furnisher of that when clearly they are not. I called the courthouse for the information pertaining to the Tax Lien and they told m e the same thing.

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 2017-05-15
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: Personal information incorrect

Complaint:
Equifax has my personal information incorrect, so I can not get a loan, a place to live, and I have lost a hard job offer because of this. I have submitted certified copies of bills, birth certificate, and social security cards to them, and they " lost them. '' I have been on the phone for hours with people who do n't speak  XXXX .     XXXX   just performed an investigation and removed  XXXX  of  XXXX  charge-offs from my account. My credit score dropped  XXXX  points over night, and again, no one at   XXXX   can speak  XXXX  or help me figure out how removing charge-offs causes a  XXXX  point drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Integrity Solution Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband and I relocated to XXXX from XXXX in 2013. We lived in an apartment while we were house hunting. Our apartment lease was up in XXXX 2013 and we signed a home lease to begin XXXX 2013. We moved out of our apartment XX/XX/XXXX and returned our XXXX XXXX 'box ' to the local center. We both walked in and handed it to the XXXX XXXX employee. We asked if there was anything else we needed to do to cancel services, and he said, " Nope, you are good. '' We forwarded our address to our new home, and almost two years later, my husband received a call from a debt collector stating that we owed {$100.00} because the box was never returned ( we canceled our service and switched to XXXX when we moved ) -- and accused us of " stealing '' the box. He argued with the debt collector and insisted we had done this, but since the debt was so low, he agreed to pay the {$100.00} immediately because we are looking to buy a home and have been aggressively protecting our credit. We are now going through the loan process to buy a home, and our banker said that the XXXX XXXX credit hit knocked our score down XXXX points and we will not qualify for our home loan. Our banker has encouraged us to go back to XXXX XXXX and argue this " debt '' ( which we paid the first time we received a phone call ). After talking to XXXX customer service agents yesterday, they have " no record '' of our account and can not help us. It seems absurd to me that a company can literally ruin a family 's credit without any proof of our wrongdoing. Again, the " debt '' was {$100.00} and we would have paid six times that amount to keep our credit history in tact. Now, we are faced with not being able to buy a home for our family of XXXX. Please advise. This should be illegal!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it  may  concern ; I am writing in regard to the referenced accounts and transactions.     This vehicle was repossessed by  NFCU  in the  State of F lorida on or about,   XXXX    , and resold on or about  XX/XX/2014   .   Under the laws of the State of ( State of Repo ) UCC  9.506 and   State  XXXX  and  XXXX  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 provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.   If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.   In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available  State and Federal s tatutes and  UCC 9  remedies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation