BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-29
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a corporate XXXX XXXX card issued to me by my former employer XXXX XXXX XXXX. I resigned from the company in XXXX 2014. I turned in the card on my last day and did not have any access to it after that. A charge was made on the card in XXXX 2014 that I did not make, and that I did not authorize. This has now gone to collections. I have tried to dispute it with XXXX XXXX but they refuse to assist since the debt has already gone to collections. This debt is not mine and the collections agency continues to harass me every day including calling my place of employment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 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 Transunion more than XXXX times. transunion 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 n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-02-12
Company: Dynamic Recovery Solutions, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dynamic XXXX Solutions calls our home is not specific who they want to speak with or what debt they are referencing. They have not sent anything in writing to our address related to any debt of any of our household members. We have been be very attentive toward any debts we do have, so we found this very disturbing. After some on line searching we appeared to be just another victim of a company with long history of questionable activity. They call from a Michigan cell number XXXX and want to call XXXX, not saying who they are calling why they are calling, or to what debt this could possible relate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midwest Recovery Systems placed an account in collections under all three of my credit bureau reports XXXX as of XX/XX/XXXX in the amount of {$810.00}. I have not received any written or verbal communication from this company regarding this collection nor have they allowed me the chance to validate this debt prior to placing it into collections on my reports. My credit reports state this account went unpaid as of XXXX which is not true! I have not had any unpaid accounts in more than 7 years as I have watched my credit reports vigorously. Therefore, this can not be correct. The account number listed on the reports for this collection is # XXXX. If this company can not validate or verify this debt they are not allowed to collect it. Also, an account can not be reported if the ORIGINAL DATE OF DELINQUENCY is more than seven years. Midwest Recovery Systems will need to provide proof of the original delinquency date which is the date the account first became delinquent ( with original debtor ) and after which it was never again brought current in order to continue reporting. 
Address on file : XXXX, MO XXXX or XXXX XXXX MO 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 2022-05-24
Company: Affirm Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Unauthorized account was made on Affirm.com. 

Several Affirm.com representatives, along with the merchants highest point of escalation, confirmed the account was unauthorized and fraudulent. Affirm.com also verified that I was not responsible for the loan, and that it was voided. 

Affirm.com is now refusing to provide a refund for the payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX A 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. 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis 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 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Capital Management Services, LP
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Capital management has called me multiple times a day either speaking with me or leaving voices mails. When they have called and I picked up I told them to stop all phone call communication. If they want to talk to me to mail me information. Nope rhey continued to call leaving my personal info on my phone, on my step grandfathers phone. When they as well told them I do n't live there nor do they talk to me and please stop calling the wen harassed them. I have one of the.voice mails saved with the women 's name. I know the fcpa laws and the cfpb protection laws they have broken more than on with me. This must stop, I am looking into law suite with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-24
Company: I.C. System, Inc.
State: NY
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:
I have tried to clear this matter up with this collection agency several times. Ive sent all the information 5 different times in the mail to them to no avail. Their reply is always the same. We did not receive any proof. Ive recently returned to the corporate XXXX store to get proof of all returns. I have attached them also. Their reply is there should of never been any problems. All items were sent back and the account was closed due to the XXXX problems in the area I live in. I have a derogatory remark in all 3 credit bureaus that I would like to have removed.

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 2021-08-04
Company: EQUIFAX, INC.
State: MA
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:
i have recently reviewed my consumer credit report and would like to inform you that you are reporting inaccurate information on my consumer credit report.i have sent you 2 notices DEMANDING these inquries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, removed and have not gotten no response back.i would like to inform you that your agency, has violated my rights under FCRA .i have the right to privacy and my right has been violated.i gave no authorization NOR these companies has permissible purpose to place invalid inquiry on my consumer report. the list of violations is where my rights were violated at:15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b XXXX Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 
15 U.S. Code 1681g - Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: Harris & Harris, Ltd.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid to original creditor, they do not own the debt per their own statement. They refuse to remove even though it is invalid and refuse to provide any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: DE
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 XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX 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 explanation
Consumer complaint received 2015-07-13
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My ex-spouse passed away. Medical bills for my children that my ex-spouse was legally responsible for were not paid. The bills were being sent to him. I had no knowledge of the bill until I received a notice from my credit monitoring company. I contact the collection agency and was told it is my problem and to take my dead ex-spouse to court. They refused to work with me and told me it is my problem and I have to pay the bill, just before hanging up on me. They offered NO documentation that this bill was valid nor did they made any attempts to contact me regarding outstanding debt. I have since paid the debt even though I have received no proof that exists and have filed dispute cases with the credit reporting just to not have it impact my credit report. I find it unacceptable that a debt owed by my deceased ex-spouse be charged negatively against my credit when I have NO knowledge of its existence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was with The Money Source Inc. Before I had even  made my first payment the sold the mortgage to XXXX XXXX . I  was made aware of this change XX/XX/2020 and my first payment on the loan is due XX/XX/XXXX ( 3 days notice ). I would like to report that his is in clear violation of the National Affordable Housing Act which requires at least 30 days written notice of such a change. I find this to be unacceptable due to not having adequate time to investigate my rights in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: JH Portfolio Debt Equities, LLC
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I do not have a contract with the said company. I have sent validation letter to XXXX back in XX/XX/2016 with the letter being returned undeliverable. Shortly after JH Port started reporting this account with the credit reportinfg agenices.

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 2016-08-08
Company: Midwest Recovery Systems
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I pulled my credit report and saw a collection account from Midwestern Recovery for a payday loan debt totaling {$720.00} from XXXX XXXX. I contacted XXXX XXXX XXXX Contact Center who advised I do not have an account from XXXX 2010. I have never received a validation of this debt. It just showed up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX PHH Mortgage took over our XXXX XXXX XXXX Our property taxes were due that month and our statement indicated that {$4100.00} had been removed from the escrow account to pay these property taxes. 

In XXXX of XXXX it was brought to our attention that our property taxes were showing as not being paid and would soon be considered overdue. We reached out to PHH and were told they would research it and get back to us. After 2 weeks of us repeatedly contacting them we were able to have a conference call with PHH and the Tax Commissioner, who had no record of ever receiving their check. PHH assured us a check would be issued and the Tax Commissioner agreed to extend our due date. 

Today we discovered that the taxes have still not been paid and we are about to be sent to collections. After holding for an hour with PHH they assured us that not only had they sent a check to the Tax Commissioner a refund had been issued by the Commissioner to PHH. We again conferenced in our Tax Commissioner and were told that no check had been received and no refund had ever been issued by their office. In addition, the Tax Commissioner informed us that we were not the only PHH customer they were having this issue with. At this point we feel that PHH Mortgage should be investigated for fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Bonneville Billing and Collections
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I paid the debt I owed to the collection agency on XX/XX/2016. I called to inform them that the debt had been paid through the actual place I had accrued the debt. The debt company then informed me that they were already taking me to court in an attempt to collect this debt that I have already paid off. They said that they would settle with me for {$400.00} to pay for the legal fees. I told them that I would not pay any legal fees because my debt with them has been paid off. 
I have not received any notice regarding them taking this debt to court other than them telling me over the phone after I had already paid the debt in full. 
I feel that this has been very wrongfully dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is an on-going saga with a home foreclosure that was the result of a divorce. The first mortgage was transferred through several financial institutions and is recently being serviced by Shellpoint. My ex-husband stopped paying on the mortgage years ago and rather than start the foreclosure, XXXX XXXX XXXX sold the mortgage which ultimately ended with Shellpoint. The original mortgage amount when it was originated in 2004 was {$120000.00}. In XXXX, the balance reporting was {$120000.00} and in XXXX the balance is reporting {$150000.00}, a full {$26000.00} more than the principal balance. It seems abusive for a lender to transfer and delay the foreclosure of a property only to continue to accrue interests and fees. I 've practically begged for both XXXX XXXX XXXX and Shellpoint to complete the foreclosure, yet to no avail and now the account is being assessed an additional {$26000.00}. I am at a loss to what I can do at this point.

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