BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
fraudulent address on credit report fraudulent accounts with address on credit 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 2022-06-01
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On 6 separate occasions in writing I have asked MRS to stop contacting me and they continue. I wrote to them on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and I also called on XX/XX/2022. yet they keep on sending me emails.

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 2015-06-09
Company: Monarch Recovery Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection letter from Monarch Recovery Management XXXX Inc XXXX Monarch XXXX dated XXXX XXXX, 2015. In the letter they state they are attempting to collect a debt on behalf of XXXX Bank. I was immediately suspicious as I have never held an account with XXXX Bank. I contacted XXXX Bank and they confirmed my suspicion of not ever having an account with them, not owing them money and that they never turned anything over to Monarch nor do they use them for collection. I then sent Monarch a debt validation letter on XXXX XXXX asking them to provide details of the debt. I had not heard from them until today when I received a second debt collection notice dated XXXX XXXX, 2015. I called the number listed on the letter and while I did not get an actual person, I left a voicemail asking them to cease and desist any further collection attempts until such debt validation has been made per FDCPA guidelines as enforced by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ive been receiving phone calls from a number that does not speak when answered. Then I received a letter saying I of {$470.00} but is I pay now or make payment arrangements now they 'll settle at {$95.00}. 
I 've called the phone numbers listed and they are not in service. I looked the collector up on the web and once I disclosed the account # listed and that my Attorney and I have worked deligently to bring my current credit to good status, I was disconnected by the other party.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Never had any dealing with convergent or its associates in the past and received a letter stating that I owed them money. Sent a Validation letter and I am awaiting response. Copy of letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: NJ
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:
According to Fair Credit Act 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: American Collection Services, Inc. (OK, TX)
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
they are showing i have a debit when i do n't. best i can tell this is nothing less than an at lest three attempt of over billing a/k/a mail fraud. for a fee of {$500000.00} to them ( pluse court cost and attorney fees ) i 'll pull my checks, credit card statement, etc. anything less is wasting my time. This offer is only good for 10 days this fee does not include punitive damages, interest, insurance expanse, etc. that is to be determined by attorneys and/or jury. 
they have already been advised in writing these are nothing less than an attempt of ether paid or an act of over billing, just not mine.instead, just comment another act of over billing and punitive damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
this bill was paid by my insurance at the time of service we have a statement paid, about 2 t0 3 years later we received a letter from this collection company say 's I owe the bill because the insurance wanted the money back

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: DC
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 sent in a dispute regarding the balance on my student loan with the US Dept of Education and XXXX XXXX. The loan was fully discharged and the balance should be XXXX. 
XXXX sent me a response and said that this creditor was not appearing on my credit report. I sent XXXX proof that the loan has been fully discharged .I spoke XXXX, XXXX was the supervisor that I spoke with. He gave me conflicting information. He insisted that I submit a second complaint notwithstanding the fact that I had previously submitted my dispute over 30 days ago.

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 2022-06-01
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Florida Account # XXXX, XXXX XXXX Credit Account # XXXX, XX/XX/XXXXAccount # XXXX, XX/XX/XXXX Account # XXXX,XX/XX/XXXXAccount # XXXX, XXXX Account # XXXX, XX/XX/XXXXXXXX Reference Account # XXXX, XXXX 's XXXX XXXX andXX/XX/XXXX XX/XX/XXXXXXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states : I have the right to privacy 15 U.S.C 1681 section 604 A section 2 states : A consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Todays date : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ONE ADVANTAGE LLC account numbers are XXXX, XXXX, XXXX and all account pertaining to my social. 
I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: ENOVA INTERNATIONAL, INC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
First of all, I never filled anything out at any point in time for a payday loan on XX/XX/2022 or even within the last 5 months. I called XXXX to request that they delete my information they had on file and informed them that I never asked for them run my credit for a loan I never asked for. They told me they couldn't delete my information by law. When i asked them about the state statute or US code that covered that law i was told they couldn't provide me with that information. I asked to speak with a manager and was told there were no managers available and that one would call me back. That was literally over 45 minutes ago as i searched for this complaint and currently am writing it out. I asked for the employee 's information, name is " XXXX '' and she refused to provide me with her employee number, so i could report this to her manager that was not magically not available during the length of the call, which i extended on purpose so i could make sure to catch the manager. I asked again, why she couldn't erase my information, that i did not provide. Again she said it was the law. I again asked for the statute or code that covered this particular law she was referring too, nothing again. I informed her that i was going to be reporting her to the FTC and going to be getting a lawyer involved in the situation. I was denied again. I informed her that not only is this company stealing my information but that i was going to be pursing a law suit against her as well for also being criminally negligent as well by honoring my request to delete information that they were not entitled to per myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES has failed to send the legally required validation of a debt currently reporting to the three bureaus. I have notified the company that their actions are detrimental to me and that the company has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX {$2100.00} account reported on XX/XX/XXXX OpenAccount # XXXX $ XXXXBalanceXXXX XXXX XXXXOriginal Creditor $ XXXX BalanceXX/XX/XXXX DateXXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNote

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XX/XX/XXXX. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2016-09-12
Company: SecurityNational Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I was pre- approved for the loan 6 months or more prior to the loan being issued. Closer to the loan date I was asked for more information all of which I provided in a timely manner ( less than 48hrs ). I was using a program that claimed to rent out my previous home while I purchased a new Home. I had a signed lease agreement from he leasing company guaranteeing me a certain amount x 3 years and this was a company used by the builder who built my home. Also the loan company was recommended to me by the builder. About a week prior to closing I was told I needed a signed lease agreement by a tenant ; I was told I could fake one but I was uncomfortable with this legally. After I made my concerns heard, I was told they could appraise my previous home and they would rush this. It all went through but I was not informed that my closing date would be pushed back ; this lead to 3 extra nights in a hotel, my furniture being placed into storage and all of our screws to re-connect our furniture being lost and a lot of stress. I complained to the company then but they said they can not guarantee a closing date ; a fact that I wish they would have told me several months prior. It was the underwriter who was holding up everything. I have a good job and decent credit with no late payments ever so ... the only thing I could think of the underwriter had concerns about was my race- I am XXXX. I let this go ; I made my first payment early because I had the money and was changing jobs so did n't want anything to be seen late- the check was cashed on XX/XX/XXXX ; my first payment was due XX/XX/XXXX. I received a letter in the mail dated XX/XX/XXXX stating I owed 2 months payments. I emailed and called ; I was told the payment was applied XX/XX/XXXX on the phone but when I logged into the website it said the payment was applied XX/XX/XXXX -- so no letter should have been generated XX/XX/XXXX. Again I feel like they want to cause me XXXX and just assumed I would not pay because I am XXXX. I sent direct complaints to the company x2 with no response. I wonder how many other people have had these issue with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: NPAS, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NPAS, Inc, XXXX, attempted to collect XXXX that was an error of XXXX XXXX XXXX XXXX in that the hospital failed to submit the necessary documentation to the insurer which resulted in the claim being improperly processed. It should be noted that the first bill we received for this amount came directly from NPAS and not the hospital billing department. I contacted NPAS prior to XX/XX/19 and told the rep that this bill was in error and it wasn't owed. I also asked to speak to a supervisor and was told that all five supervisors were busy. I told the rep. to take a message and have a supervisor call me back. I never received a call. On XX/XX/19, I had my wife call NPAS since she's the patient at XXXX XXXX XXXX XXXX being treated for relapsed XXXX. She told the rep. that it was an error and we didn't owe that amount and besides, we had already hit our catastrophic cap before that date of service for that claim. The rep refused to help and told the wife that she would have to dispute it with our insurer ( I am the policy holder ), but there was nothing to dispute. My wife told me what they told her, and I called back the afternoon of XX/XX/19 and once again explained we didn't owe that amount. I also asked the rep if NPAS was a collection agency and the rep denied they were a collections agency and told me that NPAS was an extension of the hospital 's business office. I once again asked to speak to a supervisor and once again, it didn't happen. At this time, neither my wife or I have heard back from anyone at NPAS. I XXXX   NPAS and it indicated that they are indeed a collection agency. So, the rep misrepresented that fact and lied to me. The only contact info I have for NPAS is the phone number XXXX and an address of NPAS, XXXX, XXXX. XXXX XXXX, XXXX KY XXXX. NOTE : I am the husband of the patient and I am filing this complaint on her behalf. I will enter her as the primary on the complaint and me as the secondary on the complaint in the contact info section of this submission.

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 2016-09-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage loan with Bayview Loan Servicing and I have been attempting for over a month and a half to get a detailed transaction history on my mortgage account. I have faxed Bayview a formal request as well as emailed representatives with the company of my request. 

My request is for a detailed account of my mortgage since its origination in XXXX of 2005 when it closed with XXXX. I want to account for every dollar added to my mortgage loan since the origination date. This request would not only detail the payment history but also the added fees to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1. XXXX XXXX XXXX, Acct # XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX has violated my rights under 15 USC 1681 section 602 A. states I have a right to privacy. 15 USC 1681section 604 A section 2 also states consumer reporting agencies can not furnish with out my written instructions.

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