BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-05
Company: Debt Recovery Solutions, LLC
State: VA
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:
A XXXX sales agent contacted me in XX/XX/XXXX to inquire as to whether or not I was interested in switching from my phone provider to XXXX. The agent explained that the promotion entailed XXXX free minutes a month to any country of my choice. I inquired if the promotion included the XXXX XXXX. The agent replied in the affirmative. I expressed my surprise at this and ask for confirmation that the XXXX XXXX was included in the promotion. The XXXX agent again replied " yes - the XXXX XXXX is included ''. I selected the XXXX XXXX as my country for the free minutes and indicated to the XXXX agent that this was my sole and only reason for accepting the promotion and offer to switch to XXXX. She congratulated me on my selection. 
In fact, the promotion did not include the XXXX XXXX and the bill for the XXXX month was {$800.00}. I called XXXX and the agent explained that the promotion in fact was never intended to cover the XXXX XXXX. I explained that I relied on the XXXX agent who misinformed me and cancelled my XXXX phone service. XXXX apologized for its error and indicated that I would not have to pay the bill. I received a credit for {$800.00} on my final bill. When I contacted XXXX on XX/XX/XXXX, a representative confirmed that I owed {$0.00}. 
However, I recently discovered that XXXX has turned the bill over for collection, ( the name of the company is Debt Recovery Solutions ) which has negatively impacted my credit score and has prevented me from refinancing my mortgage. 
I have contacted the debt collection agency, which indicated to me that it has no information to support my assertion that the money is not owed, and that therefore, they will continue to try to collect the {$800.00}. 
I again contacted XXXX, which informed me that since they sold the debt, that there is nothing that they can do to assist me to resolve the matter. 
Thanks you for your assistance and keep up the good work that you do on behalf of the American people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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 resulted from identity theft

Complaint:
there are debts on my report that have been on my credit report for twenty years. But they are not my debt. XXXX, XXXX, XXXX XXXX and other company popping up with different Social Security Number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: MD
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:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.

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 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2020-03-23
Company: Resurgent Capital Services L.P.
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:
On XX/XX/2020 at XXXX XXXX  I sent written communication to LVNV Funding LLC dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account numbers XXXX, and XXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from LVNV Funding LLC dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, LVNV Funding LLC sent printed copies of credit card statements addressed to addresses that are not of my own. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing LVNV Funding LLC communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires LVNV Funding LLC to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 )  Proof of any other information contained in the credit report regarding the account. LVNV Funding LLC provided none of the above. LVNV Funding LLC continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. LVNV Funding LLC has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. The above illegalities were committed via USPS mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: First Credit Services Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016 I paid my mortgage off in full to Ditech Financial, LLC. Attachedf is a letter from them acknowledging the payoff and the Account number is contained thereon. XX/XX/XXXX I called to inquire about the status of my escrow refund of {$1900.00}. I was advised by XXXX that a check had been cut and would be sent out shortly. On XXXX 2016 I called again about the escrow and was advised that the check had been cut and released on XXXX/XXXX/16. I again called on XXXX/XXXX/2016 and spoke to a XXXX . XXXX, who identified herself as a supervisor. She said that check XXXX had been issued on XX/XX/XXXX. I advised her that I had not received it. She wanted to cancel the check and send a new one and I refused that option as this would have restarted the process and allowed Ditech another 30 days to send a check. XXXX . XXXX agreed to have an electronic transfer made to my bank account. She told me this would take 5 days. As of today, XXXX XXXX my account has not been credited. 
I am of the opinion that Ditech is a rogue mortgage and collection agency who keeps other people 's money an undue length of time and only refunds money when threatened. It is this kind of company and lack of federal oversight that led to the last financial meltdown and will lead to the future bank and real estate meltdown. They are an unprincipled company that should be severely fined or put out of business. I encourage your office to log into XXXX and read the hundreds of negative feedback on this company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After speaking with XXXX Bank, new information has come to light on their reflecting late payments to their company. Their claim is that I purchased an XXXX at XXXX in XXXX of 2021. As earlier reported, I gave my son permission to purchase the system via XXXX XXXX. I have found the receipts and the proof that he purchased the system months later using out XXXX XXXX card at XXXX XXXX. XXXX we have a case of identity theft. We did not make this charge, it should be removed from my credit report. Further, I paid the invoice because I wanted to stop the negative information. I would like to be reimbursed for the amount I paid. 

Note also that the purchase was made and picked up in XXXX area. 

I have the receipts, serial numbers, etc of our purchase. 

Please help me resolve this with XXXX Bank.

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 2018-02-02
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX '' and I, informed Rise of our finicial hardship. We ask Rise to work with us and informed Rise of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need Risecredit to work out new repayment terms. We were unable to to Pay the Current 199 % rate on our loan and we were unable to Pay {$260.00} twice a month, which were deducted out of my bank account every pay day. 

I asked Rise credit for a copy of my loan agreement, and let Rise credit know my loan documents were taken off line and I did not have a copy of my loan agreement. 

I also let RiseCredit know I felt their lending falls within the guidelines predatory lending ... Do to the following at the time I applied for the loan ... 
My credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate of 199 %. 
Rise has also threatened to sue me and refused to work with me. 
I have not been provided a copy of my loan agreement I have not recieved a default letter by mail nor e-mail Rise responded by, stating my account would be refered to an attorney and I would be sued for the remaining amount I owed on my loan. 
Rise refused to work with us in regards to our documented finacial hardship. 

Rise is refusing to work out an affordable repayment plan so I can avoid Chapter XXXX Bankrupsy by lowering my interestrate and montly payments. 
I feel taken advantage of by RiseCredit I feel RiseCredit took advantage of a Veteran who had a credit score of XXXX when I was provided a 199 % on my loan and with excessive payments {$260.00} twice monthy equals {$530.00} monthly. 

I will add I was never sent a default letter my email nor by mail, RiseCredit is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: FISERV INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am a small business. Myself and one employee. I take credit cards for payment. I service and repair just XXXX cars. XXXX of XXXX I did service and repair to a XXXX XXXX that was towed in XX/XX/XXXX and picked up XX/XX/XXXX. Owner paid with a credit card, signed the credit card receipt and agreed to the charges. 
I had a couple of conversations afterwards with him about additional repairs we recommended and gave him advice on having that done. 
With no warning, no request for reimbursement, no dispute of charges by the owner, I received a letter XXXX mail. From Fiserv merchant services .on XX/XX/XXXX dispute Notification. Requesting my response. I contacted and talk to someone familiar with the dispute at the phone number on the letter. on a recorded phone line. I was asked to send in my repair tickets, credit card receipt, and a detail of disputing the charge back. I was requested to send this XXXX mail to a post office box on the letter. I did sell the same morning XX/XX/XXXX. On XX/XX/XXXX I called as I had not received any reply that it was resolved. Or additional information requested. And was told they had not received the letter that was mailed out the day I got the letter XX/XX/XXXX. They asked me to resend it by fax. I did so twice that day XX/XX/XXXX. On XXXX XXXX I called again. And was told they closed the case because I did not respond by XXXX XXXX as noted on the dispute notification. I tried to dispute that they did get a response on XX/XX/XXXX on a recorded phone line. The letter does not say it Hass to be only in writing for the deadline of a response. I dispute that they did not receive a letter sent XXXX mail on XX/XX/XXXX to there post office box. They acknowledged it was postmarked XX/XX/XXXX but claim did not get it by XX/XX/XXXX. 
Please help the Fiserv merchant services is stealing {$1900.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Dream Center Education Holdings
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I enrolled in The XXXX Institute of California - XXXX XXXX and graduated XXXX in both XXXX and XXXX. To cover the cost of education I took out both types of Federal Loans and also a private loan from the school itself. I currently owe the school just over {$8000.00}. The issue is that when I got into the XXXX field I found out that the degree is nearly useless. It 's only use is for XXXX that most companies will only hire after years of experience, which I could have gotten without the degrees. Even more so is that the job help that they provided was the same, XXXX positions that I could have gotten through basic job searches. 
My time and money were wasted and all I got out of it was constant phone calls asking me to pay for my schooling, but no job that pays enough to afford it. 
Even more, when I was going to school my monthly payment they asked for was {$79.00}. After my first year, that was bumped up to {$120.00} then finally hitting over {$200.00} after the second year. This was explained after the fact when they said XXXX the semesters out of each year was not covered by the loans. 
So I sit, fighting to find a job that can pay, taking odd XXXX jobs that can barely keep me above water and having the school call me to threaten me with debt collectors to take money that I do n't have. 
I was trying to help my family and now I 'm lost.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
It took me a long time and a lot of effort to get a loan modification from XXXX, they made it very difficult and denied my applications many times, one time because they said I had enough money and another time because I had not enough. Finally, in XXXX of 2013 I received a congratulations letter ( I have a copy of that letter ) stating that I finally was approved after the three-month test period of paying the modified amount each month. ( I have copies of all the checks I paid at the trial period ) At this time I received a document to sign and notarize but I had some questions regarding flood insurance, XXXX was not answering my calls and if they answered they did n't know anything to guide me on how to proceed and finalize the loan. I sent them a letter begging for help and they answered that Green Tree was now handling my modification and they had all the information and will honor my case. ( I also have that letter ) I called Green Tree and they told me that they were very busy with the new situation and I should call them back some other time. I keep calling them every day and got very vague answers to my questions. ( one time they told me to call back in tree months, I swear it is true ) Later on, they told me that I had to pay the regular monthly payment I paid before the modification, I argued and then said that I could pay the amount of the modification but I could not trust them because never gave me any contract or paper to sign, they just did n't care, everything was very unprofessional and I could not trust them at all. I gave up, I was exhausted and frustrated my health was deteriorating and I had to be treated for XXXX XXXX XXXX. I never heard from them for a while, then a year later they started sending me bills that I owed as if I never had any modification plus interest late fees and everything, the amounts were way too high and I could not afford to do anything and it was no way to talk to them because they have unqualified people answering the phone that are only trained to put pressure on you. Now I 'm in foreclosure and the day of the hearing is the XXXX of XXXX. Is anything I can do? I have a lawyer that sais I have no case and the best thing to do is accept the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: EQUIFAX, INC.
State: OK
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: Investigation took more than 30 days

Complaint:
I am looking to purchase a house this year. I am a married father of XXXX. I noticed an inaccuracy on my account. I reached out to the courthouse and was asked if it was possible that the mistake could have happened on their end. I was alerted that they do not report to bureaus and that a person 's social was never shared. I then attempted to reach the bureau by phone, but to no avail. XX/XX/2021, I proceeded to mail a letter demanding to see verifiable proof as stated by the FCRA. I included the correspondence from the courthouse. They were shipped certified mail. I waited 30 days and sent a follow up. Almost 60 days later, I have yet to hear from them. I feel like my rights are being violated. I just want to be able to provide a decent home for my family and their errors are making it difficult. They are picking on the little guy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from PORTFOLIO RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PORTFOLIO RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account were previously removed from my credit report ( s ) as a result of identity theft. This is now back on my account after theyve been purchased my a 3rd party debt collection agency ( s ) who now keeps harassing me.. The original creditor ( XXXX XXXX XXXX  ) deleted this account from my credit report on XX/XX/2020. I've recently been receiving collection calls, and mail from MIDLAND CREDIT MANAGEMENT. I'm not sure why they continue to contact me or report this inaccurate account on my credit report.

Company response to consumer: Closed with non-monetary relief