BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-01
Company: Credit Protection Association, L.P.
State: PA
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:
On XXXX/XXXX/16 I received a collection notice from Credit Protection Association L.P. for {$400.00} service balance due to XXXX There is an additional collection fee of {$100.00} that is added on to the service balance. This is more than 25 % of the original balance and extremely high! I have not signed any contracts agreeing to pay for collection fees. The notice says to remit payment to XXXX XXXX even though the collection notice came from the collection agency. Why am I being billed for an additional {$100.00} collection fee if I 'm supposed to pay XXXX XXXX? A month later I received another bill from XXXX XXXX. So now I am confused as to who actually is the current creditor. The original notice also stated that the account would be reported to credit bureaus by XXXX/XXXX/16. On XXXX/XXXX/16, I received another notice stating it would be reported XXXX/XXXX/16. The inconsistent information that I 'm receiving from the creditor and collection agency leads me to believe that they are trying to defraud me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We acquired a loan modification loan some years ago and have had nothing but issues with Green tree and now Ditech. Fraud, misapproiation of funds, threats and numerous other problems with this loan. We are in disperate need of help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company sent a negative information as retaliation to my credit report. after I reported them to the XXXX. In my prevouis report they show the account as closed and not in their office. In checking my credit report they re aged the XXXX account. 

They stated in case number Case Number : XXXX Reference : XXXX, XXXX, & XXXX they showed they closed the account. 

This is against FRCA reporting and I demand compensation for pain and suffering volutarlery or through small claims court. 

I am also contacting my states attorney generals office for the tactics used by this company. 

here is the XXXX case against them. 

Case Number : XXXX Reference : XXXX, XXXX, & XXXX XXXX, XXXX : XXXX XXXX XXXXCase Number : XXXX Reference : XXXX, XXXX, & XXXXDear Consumer Financial Protection Bureau : This is in response to the complaint received from XXXX XXXX XXXX. 

XXXX separate accounts were placed with our office for collection to service the delinquent portions owed. 
On XXXX XXXX, XXXX, we received an account from our client XXXX with a balance of {$260.00} and it was assigned the internal reference number XXXX. The account was later closed in our office and returned to XXXX on XXXX XXXX, XXXX. Our agency previously submitted a deletion for this account ; however it appears it was not processed correctly by the credit reporting agencies. In an effort to resolve XXXX XXXX 's concerns, our agency has submitted a manual deletion request with all credit reporting agencies associated with the XXXX account and our office. The confirmation number for this request is XXXX. 
On XXXX XXXX, XXXX, we received an account from our client XXXX with a balance of {$590.00} and it was assigned the internal reference number XXXX. On XXXX XXXX, XXXX, our agency sent an initial letter notifying XXXX XXXX that his previously disputed XXXX account was placed in our office for resolution to the address on file. Said letter also informs XXXX XXXX that an investigation of his dispute has been completed. Our agency has had no communication with XXXX XXXX regarding the account to date. 
In response to XXXX XXXX 's dispute, we have closed his account in our office and returned it to our client for further review. When an account is closed unpaid and returned to our client, our agency submits a deletion request to all credit reporting agencies associated with the account and our office. We will have no further contact with XXXX XXXX regarding the XXXX account. If he has further questions regarding the account he may contact our client directly at the address below : XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09
Company: ORG GC GP Buyer, LLC
State: CA
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 never opened a account or done business with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was offered a Loan Modification Trial Period Plan by my mortgage company, Ditech Financial, XXXX on XXXX XXXX, 2016. Based on the offer, I had to make XXXX consecutive payments of {$1400.00}, beginning XXXX XXXX, 2016. I have consistently made each monthly payment on time beginning XXXX XXXX, 2016, and I still have not received the Modification Package. Each month with my payment, I have made a written request for information about my loan such as are other options available, is the taxes and insurance included in my payment, who is the owner of my loan, etc. I have reported an error with my account. As of the writing of this complaint, I am yet to receive answers from Ditech to my questions., nor do I have the Modification. In fact, just today, I received a call from XXXX of the persons I 've been calling only to say she is in training and still trying to find out whats going on. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: MO
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 is resubmitting this CFPB complaint in an effort to refute the false information you claim is on my credit record. I was a victim of identity theft once more, and I never made the payments to these companies. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I think I never actually agreed to any contracts with these businesses. Your deliberate disregard for Federal law constitutes a clear violation of consumer rights. Please get rid of the account that is listed on my credit report, as I beg you. You must delete any accounts and information that were created as a result of identity theft in accordance with Fair Credit Reporting Act section 605b ; kindly do so. The following things must be taken away as soon as possible : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX  Inquiry Date XX/XX/2021

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 2022-11-17
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) XXXX and Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/16 Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$1900.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/16 Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Credit card
Issue: Billing statement

Complaint:
Citizens Bank credit card statement shows the balance as of the day before but not actually the amount due. It does show the credit limit and the amount of credit available but not the amount due on the due date. 
The consumer feels compelled to pay the current balance shown. The charges shown are not the ones falling into the billing period. 
A few months ago I spent significant time trying to find the amount actually due and finally did but this period it is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Thaxton Investment Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a payday loan with COVINGTON, always on time until I filed for bankruptcy, it was withdrawn I was expecting COVINGTON to resume taking payment instead without any notice they closed the loan and written of this loan as a bad debt and sold it to third party for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hello. I recently tried to use a {$100.00} visa gift card issued by U.S. Bank National Association. The card was declined so I checked the website on the back of the card and saw that there was a {$100.00} transaction with XXXX on XX/XX/XXXX. This did not make sense to me because I had never used the card. I double checked my XXXX account and confirmed that there were no transactions using the gift card on my XXXX account. 

I then called the gift card customer service number on the back of the card. They asked for proof of receipt for the card in order to help me. I explained that I got the card as a gift and did not have the receipt. I also explained that I got quite a few gift cards for my baby shower and did not know who gave the gift card to me. They then said the card was registered in someone elses name and continued to say they could not help me unless I had a receipt. There request and refusal to help didnt make sense to me. 

I then called XXXX customer service to see if they could help me. I provided them the gift card number but they were not able to look up the purchase that way. The XXXX representative asked me for the transaction number so I went back into the gift card website to retrieve the information but I was now no longer able to access the gift card website that I had access to just a few minutes earlier. 

So I then called the gift card customer service number back and explained the discussion I had with XXXX and that I no longer had access to the website with the transaction information. They then explained that I could no longer have access to the transaction information unless I provided proof of receipt. This led to a repeat of the previous conversation and them not helping me. 

I am now suspicious that they are scamming me. Not only did they not help but they then took away information ( XXXX transaction number ) that may have allowed me to get it resolved through XXXX. I now have no options. 

Can you please help me get a new {$100.00} gift card. Thank you.

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 2015-05-11
Company: Big Picture Loans, LLC
State: LA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I have been contacted by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ext. XXXX regarding a debt through Castle Payday. I tried calling Castle Payday about the account, but it refuses to forward to me a validation of debt. Meanwhile, this person from XXXX keeps calling my employer, family and friends stating that I have committed fraud. The people of XXXX will not give me their address, fax number or email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying for two years to sell my home. It is a toxic asset and needs to be let go at a short sell at the very least. I also qualify for a deed in lieu due to relocation, which I have twice been denied. I finally have an offer on the home ( first offer in two years ) and was again turned down by Ditech. 

I have received absolutely no guidance from this servicer on how to handle this home. I have stated repeatedly I am out of time, money and options and need help. Nobody wants to listen because up until very recently I was able to keep the mortgage current. Now I 'm behind and they finally want to talk, but only about my statement. They do n't want to talk about how to get rid of this property. 

There is an offer on the table. They refused to be of any help in finding out what I need to get XXXX to accept the offer. I 've only been able to speak with my actual account rep twice and she was of little help XXXX times. I ended up bypassing Ditech entirely and contacting XXXX directly where I learned about an additional resource to escalate the process of a short sell. I repeat - there is an offer on the table and Ditech was of no help in getting XXXX to accept it. 

To say Ditech has been a terrible communicator would be giving them a lot of credit. I am done playing games with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation either

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 2022-04-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit bureaus are incorrectly reporting a collection that was posted on my credit score from Fair Collections and Outsourcing ( based on an unjust bill from XXXX XXXX Apartments ). I broke my lease in XXXX of XXXX and only lived there for only 5 months. My apartment was left in the same condition as it was given to me but they charged me {$340.00} for painting, refurbishment fees. They have no proof that the apartment was left in poor condition to warrant this {$340.00} fee nor did I sign an agreement stating that Id be charged this amount from the complex if I leave the apartment in a particular condition. This collection has negatively impacted my credit score and Fair Collections and Outsourcing stated that they will not delete this collection from my credit report, even though I paid the collection off under duress. Additionally, XXXX, XXXX, & XXXX are still reporting this collection on my credit even though Fair Collections and Outsourcing has no proof of the apartment condition or paperwork that I signed agreeing to pay a particular painting fee. Since XX/XX/XXXX, Ive filed disputes with the credit bureaus and nothing has changed. Fair Collections and Outsourcing needs to be held accountable for not deleting an incorrect and fully paid collection from my credit report. The credit bureaus also need to be held accountable for verifying incorrect collections information on my credit score. 

Additionally, Fair Collections and Outsourcing verbally harassed me over the phone and threatened me to pay the unjust collection or they would sue me and ruin my credit score further! I demand justice for all consumers and will not stand to let Fair Collections and Outsourcing continue their manipulative tactics to take advantage of the public! Fair Collections and Outsourcing needs to be investigated by the Federal Trade Commission for deceptive and unfair business practices.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX 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 2016-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been trying to get into with Transunion credit reporting company about identity theft and fraud accounts on my credit report, I have been denied access to my report, and have not been above to talk with someone on the phone these issues either way. I know have a problem what is there problem.

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 2017-02-06
Company: Big Picture Loans, LLC
State: LA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed {$750.00}, and to date have paid back {$1800.00} and still owe {$3700.00}. Would this lender be considered a predatory lender? How is it legal to charge someone that kind of interest on a loan. If I continue to pay this loan out, I will end up paying {$5600.00} for a {$750.00} loan.

Company response to consumer: Closed with explanation