BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was on a mortgage forbearance plan with Mortgage XXXX XXXX From XXXX of XXXX until XXXX of XXXX. When I opted to come out of the plan and start making mortgage payment my loan was sold to BSI Financial. On XX/XX/XXXX Mortgage XXXX XXXX  sent over my new agreement to the company. Which was a new balance of XXXX, monthly payments of XXXX until XXXX XXXX at a 3 % rate. Well in XXXX BSI Financial sent me a bill for XXXX. I immediately called and explained that i signed a contract and if I previously owed XXXX due to the forbearance plan I no linger owe that amount. I was sent to the voice mail of XXXX XXXX ( who was over my file ) .Who assured me everything will be updated in the system once processing processes everything. After XXXX passing and still no update I called Mortgage XXXX XXXX and they advised me it shouldn't be taking BSI XXXX this long to update your new contract. So I called BSI Financial and left several voicemails for XXXX with no call backs. I was transferred to a customer service manager XXXX XXXX who assured me he would email XXXX and cc her manager XXXX XXXX who has yet to follow up with me as far as why hasn't my account been updated. Due to the lack of follow up and poor communication skills and the system reading the wrong information I have been scarred to make a payment. When I put my ego aside in XXXX and called to make a payment the rep advised me she couldn't take my payment due to the status of the loan and she then proceeded to forward my call to XXXX to make a payment but per usual she does not answer. I am hoping you all could potentially speak to someone higher up in the company so that my account can be updated. We are 5 months into the year and it should not take this long for them to update the amount I owe them. I am asking for all late fees they have on my account be removed due to their lack of processing and any payments that was supposed to start be placed to the back of the loan because they failed to update there system making me feel comfortable enough to make a payment. i did not feel confident that this company would forward my payments mad correctly once the system was updated and I did not want to put myself through any further headache or stress with this comoany

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I need to know that you are really the company I should be dealing with on this debt. 
I do n't want to make a payment to your firm and then find out that I should have paid a different firm, and be sued by them. 
Please provide me with documentation that your firms ' either owns this debt or have authority to collect it, so that I will know that if I make a payment to you, the payment will be going to the proper company. 
I also need to know how you calculated the balance you say is due. 
Please provide me with an itemized breakdown of what you claim that I owe, identifying and explaining any fees, interest or other charges you 've addedIf you provide competent legal information, we may be able to reach a settlement or a payment arrangement. 
All such agreements need to be in writing, have a beginning and ending date with a clear number of payments to reach a settlement in full without additional interest charges or hidden fees, and you must agree not to resell or reassign the subject debt unless I default. 
This agreement needs to be signed by a person in your firm with the appropriate authority. 
I wo n't allow EFT withdrawals, or access to or from my accounts, all monies sent would be certified checks, or money orders. You do not have validation of me, I suggest you delete the Derogatory remarks from all CRA at XXXX. You do not have a contract with me. 
They purchased my personal information, without my authorization. It is being reported on all XXXX CRA reports as a charge off paid in full. The information is damaging. It is report as XXXX XXXX account number XXXX high XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Went to free anual credit report site. Got my XXXX and XXXX reports. However Experian gave me a response that they already gave me my report. I have attempted to contact Experian by phone and internet to no avail. All options are automated and they ALL want me to input a valid credit card and agree to be charged. Anything else either links me back to the freecredit report site just hangs up on me after telling me to go to the free report site. This same thing happened last year. Then I was able to get ahold of a live person and get this resolved. Not so this year, so they are in violation of the Fair Credit Reporting Act and I wish to file a complaint.

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 2017-05-20
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This creditor is asking for a debt in the amount of {$290.00}. This is not my debt, asking for this debt to be remove from all  XXXX  major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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 XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # have 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 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XXXX, XXXX and Transunion have repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Transunion has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of XXXX XXXX, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2020-06-10
Company: Atlanticus Services Corporation
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:
Fortiva allowed an installment loan to be opened in my name, and they REFUSE to stop reporting it, even after law enforcement and the FTC have helped me file identity theft reports, and send cease and desist letters. They are illegally trying to collect on a fraudulent account, opened by someone who stole my identity. XXXX XXXX XXXX allowed someone to obtain an auto loan in my name, and refuse to stop reporting it, after cease and desist, law enforcement instruction, FTC instruction, and proof that the loan was fraudulently opened. XXXX  and XXXX  also refuse to remove these accounts from my credit reports, even though I have followed all instructions to prove that they were fraudulent and a result of identity theft. All companies on this report are breaking consumer credit laws in regards to reporting fraudulent accounts on my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions 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 XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX # have 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 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2017-05-20
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently while conducting a monitor of my credit report I discovered that OPTIMUM OUTCOMES #  XXXX  has furnished some items that have unverified information. I believe under  the Fair Debt Collections Practices Act , I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from OPTIMUM OUTCOMES but I am unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under the  HIPAA  law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT  OF 1996 ], to pr otect my privacy and medical records from third parties. I do not recall giving permission to    XXXX   XXXX   XXXX   XXXX   to  release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but it is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and  HIPAA  authorization.   1.Please provide breakdown of fees including any collection costs and medical charges  2.Provide a co py of my signature with the provider of service to release my medical information to you.    3.Cea   se any credit bureau reporting until debt has been validated by me.
4.Please send this   information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved as a  HIPAA  compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.   Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Columbia Debt Recovery LLC DBA Genesis put a collection debt on my credit report before providing proof of debt XX/XX/XXXX. I finally got proof of debt letter dated XXXX. XXXX, XXXX and they provided the final move out statement for money owed in the amount of {$5100.00} belonging to only XXXX XXXX and XXXX XXXX. I was removed from the lease in XX/XX/XXXX due to going to college at XXXX XXXX XXXX XXXX. The final move out statement shows the lease ending XX/XX/XXXX. The debt collector has failed to provide the lease renewal with new dates and rent increase because they know I am not on it. I emailed the apartment management company on XX/XX/XXXX to correct the error and their response was vague. There is no history of the apartment management company reporting late payments from XXXX on my credit reports because I was removed from lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I was approved for a trial period modification. The XXXX trial payments were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX. I was approved for the modification effective XX/XX/XXXX. I have made every payment on time since the start. 

On XX/XX/XXXX I received a letter from US bank informing me that I potentially would qualify for the " pay for performance '' incentive. That being up to {$5000.00} reduction in principal if I stayed in good standing during the term of the loan. The letter also said that I could qualify for an additional {$5000.00} principal reduction after year XXXX ( which should be XX/XX/XXXX ) - again if I stayed in good standing. 

I've called US Bank several times to inquire why I haven't received any of the potential {$10000.00} in principal reduction. They have acknowledged that they sent the letter - however they continue to tell me that they don't know why I haven't received the incentive. 

So my question is simple- why have I not received the " pay for performance '' incentive. And, what do I have to do to receive it? 

If for some reason I don't qualify - please tell me why. 

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 2015-09-11
Company: Performant Financial Corporation
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Performant Recovery Inc. is managing my defaulted loan from the Florida XXXX for the time that I attended Florida XXXX University in XXXX, Florida. I have paid them on time since 2008 through automatic deductions from XXXX of my bank accounts. My loan however is still listed as in default status today and I my principal amount has not decreased. Performant Recovery 's response is that I never signed the correct forms to allow them to begin a default rehabilitation program for the loan. Yet, I did sign papers for them to automatically deduct money from my bank account. Now I would like to enter into their rehabilitation program to remove the default status from my record, and move the loan back to Florida XXXX so that I will no longer have to pay collection costs and actually have an impact on deducting my principal loan amount. Performant Recovery Inc. however is unable to get this program started for me. In the last 3 months I have sent them official documents of my tax returns, pay stubs, all of my bills, drivers license, and they keep telling me that their " auditors '' need to determine if my documents support moving me into a rehab, or if the " auditors '' will raise my payments because clearly I make more money now. They have yet to send me in writing anything that determine how this audit process is driven or what I need to qualify for allowing the eight years of on time payment that I have sent them to contribute towards reducing my principal loan amount and removing the loan from default status. Every time I have spoken with them since XXXX of this year, they need more information for the audit process, meanwhile they are continuing to deduct {$110.00}. from my bank account through automatic payment monthly. 
Please investigate this process and let me know should I contact a lawyer to get my money back, and my payments credited towards my loan principal and removal of my default statusl

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My bankruptcy was discharged in XXXX, 2016. My vehicle was repossessed today ( XXXX/XXXX/2016 ) but no statements were sent by the lienholder stating how much is due. There were no phone calls or attempts to reach me. Their website states that I owe {$8000.00} but my payoff amount is {$3200.00} so I do n't know what the owed balance is. If I had a current statement, I could have paid them. However, I was n't even given the opportunity to pay them. Now, my fiance 's XXXX worth {$5000.00} ( owned by the federal government ) is in the car and he needs it for daily use. This is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: MO
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. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. convergent accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Has violated my rates. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without 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
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX # have 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 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2015-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My credit card has been fraud antsy charged for XXXX year for XXXX without my permission. I went to bank spoke with banker and they were going to contact XXXX and investagate thus far I have not reviewed any assistance or refund reflecting my credit card. I did not authorize the transaction at all. Nor do I watch XXXX. Please help me to find out why Bank of Anerica is negligent in following proper ethics and XXXX in credit card fraud reflecting their bank issued card?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11
Company: MIDFIRST BANK
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had a chapter XXXX two years ago no credit is being reported on my credit history. I called bank they said never received a letter from the attorneys office to keep the house. After two years making the payment on time? Then last year they said I was short XXXX in escrow they fixed it to XXXX again this year said I was in shortage again now they want XXXX a month for what? Taxes went up XXXX more a year? Home insurance went up XXXX a year. why I have to pay XXXX thats XXXX a month than the original payment. I will write them again. They are making me crazy.

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