BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-20
Company: Ditech Financial LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have attached a copy of the letter that I have repeatedly received in the mail for the last 5 years or so.My husband passed away 13 years ago and the house we lived in, and had both of our names on, I moved out of and filed bankruptcy on 6 years ago. After his passing, I contacted the mortgage company to inform them and sent them a copy of the death certificate as soon as I had it. This company has changed names several times over the years, but is currently going by Ditech Financial ( used to be Greentree Financial ). During this time, I was repeatedly harassed, had very rude customer service representatives treat me like garbage. I finally filed bankruptcy. Now, I'm receiving letters ; at my new residence, addressed to my late husband who had never lived there, obviously. 
I have tried several times to reach the email address on the letter to Ditech, but it keeps bouncing back. I prefer to communicate by email so that I have a letter trail/proof of communication. 
So far, I have not been able to make contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-30
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX asking for further verification as some items we still not answered - no response. I then sent the attached letter in XX/XX/XXXX directly to this creditor asking what this item is - NO RESPONSE. This item is on my credit report and is negatively affecting my score. I have requested numerous times for verification, or any description to be given as to what this is. I have no idea what it is for or what is it from. To my recollection I have never received a bill or a statement. I feel that this in an incredible violation of my rights to be continually requesting information and to not receive it when my attempts to obtain better interest rates and better my credit worthiness go UNANSWERED! I find it incredibly suspicious that I have received an answer from other creditors sending the same letters. This is a waste of my time, energy and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In results of address and number change I was unaware of Medical debt with XXXX XXXX. I was garnished and paid the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX found that MRS Associates claimed I have a delinquent loan with XXXX  for {$120.00} XXXX checked all 3 credit unions- found this was on my credit scores with XXXX and XXXX and disputed both claims given the following : I had not received written proof of this debt from either XXXX  or MRS Associates. My XXXX  account did not reflect this money owed. 

XXXX attempted contacting MRS Associates , was put on hold and kicked off the line multiple times XXXX XXXX deleted it from my credit score as it found I was not responsible for the debt/it was not correct XXXX XXXX found I owed money to MRS Associates XXXX 

XXXX Called MRS Associates XXXX They said they did not get notice that XXXX removed this from my credit report. They said they would dispute it with XXXX, and would send written proof should XXXX find I owe this money XXXX Called XXXX- determined it was an error on their part due to my moving in XXXX, and their not transferring information about equipment. 

XXXX Filed complaint with CFPB. As of this date I have still not received written proof from either XXXX  or MRS associates that I owe this money.

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 non-monetary relief
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: FL
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:
Ive noticed that after I dispute some information the Credit Reporting Agency ( Equifax, XXXX, XXXX   ) like to leave comments on each account. 

I have asked them in multiple letters to remove ALL comments from each account, especially the words, Dispute Resolved - Consumer Disagrees or Consumer disputes after resolution and Comments that include the payment history??? Why is this even necessary, these comments are intentional AND detrimental to me personally, financially, and to me advancing my career. 


I have NEVER asked that these statements be made on my behalf. These statements/comments should be erased immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: NY
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Acct number 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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX Acct number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
the following inquiries on my credit report were not made by me. They should not appear on my report. The Bureau refuses to remove them.

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 2020-05-23
Company: NRA Group, LLC
State: FL
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:
This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They have removed the report from one of the credit bureaus but not the others. I have requested validation and not verification for the multiple accounts they have listed sent directly to their company in XX/XX/2020 and still no response. This leads me to believe they have no binding contract and are reporting this information illegally.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion is not accurately reporting my on time payments for the months of XXXX, and XXXX For my XXXX ACCOUNT. All my payments have been on time and should be reported accurately.

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 2022-05-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
When I signed up for the Amex XXXX credit card on XX/XX/XXXX, I saw online that there was a XXXX point promotion online. After I signed up for it, I saw that I was going to receive XXXX points because the person on the phone said that was the promotion attached to it. However, because I was under the pretense that it was XXXX bonus points ( as advertised in numerous places online ), I went ahead and called Amex on XX/XX/XXXX, and someone on the phone confirmed that I would be receiving XXXX points. However, I saw on XX/XX/XXXX that only XXXX points were deposited to my account. I tried calling, and they did not confirm the phone call on XX/XX/XXXX. I am upset because now there have been two false promises- one for the XXXX point initial offer, and the second being that they would honor that enrollment bonus on the phone call on XX/XX/XXXX. Now they are not honoring that phone call, and are not acknowledging the phone call where someone confirmed that I would be receiving those points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: GA
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 Acct number 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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  Acct number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Resurgent Capital Services L.P.
State: AL
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 have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I used XXXX to get money before my pay day and it made my account negative {$26.00}.

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 monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: TX
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 sent my letter off on XX/XX/XXXX. I was told the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. 

According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. 

I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX and the balances are not reporting the same across credit bureaus. Also the reporting originator creditor name are not matching as well. According to Annualcreditreport.com the item is estimated to fall off of my report on XX/XX/XXXX Ive sent out 4 dispute letters over the course of 1 year and these issues has yet been resolved. 

*Account Open date is wrong * Original creditor name dont match across bureaus *Reporting balances does not match across bureaus Accounts XXXX XXXX XXXX Account number 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

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 2019-11-20
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a purchase on XXXX, 2019 with website Company name " XXXX ". I spent {$250.00}. After not hearing or receiving tracking # in a couple weeks. I sent them an email. After not hearing anything, I filed complaint with PayPal ( that's how I paid ) They said give the company until XXXX to respond. Then they emailed me and told me they were change the reason of dispute to " item don't look as advertised '', and I told them no but I have not received anything still, so I should have original dispute. Then Paypal told me file complaint with Internet Crime Complaint Center while or in order for them to continue to investigate. I did that, and sent them the information. Now they are saying wait until XXXX XXXX. I just want my money back, and to never deal with this company again. The company use the name XXXX XXXX with Paypal. The Case # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a home that was flooded by Hurricane Harvey. I immediately reached out to my mortgage company, CitiMortgage, to inquire about a forbearance plan for a Federally declared disaster area. On XXXX/XXXX/XXXX, I rec 'd a letter from CitiMortgage granting me a 90 day forbearance period. I did not make my XXXX/XXXX/XXXX payment, per the information in the letter CitiMortgage sent me. 

On XXXX/XXXX/XXXX at XXXX, I rec 'd a call from CitiMortgage indicating they are calling to collect on a past due debt. I informed CitiMortgage I did not make the payment per their forbearance letter instructions. They confirmed they were aware I was on the forbearance plan, but they stated they would call me weekly until the past due amounts are paid. I asked the rep to explain to me if this process makes sense, as they are the ones that granted the forbearance plan. She stated it does not make sense ; however, they will continue to call me to collect the debt. 

Attached is a copy of the letter, which nowhere do they state that under the plan they will attempt calls to collect a debt. I would appreciate some guidance as to how to proceed with these knuckleheads. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: JPMORGAN CHASE & CO.
State: DE
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:
I had a balance of {$5400.00} when I unfortunately had to file for bankruptcy back in XXXX. This account was not included in the bankruptcy -- I paid the entire amount owed ( {$5400.00} ) per XXXX XXXX 's instruction - {$170.00} for 30 months -- this amount was marked paid in full. Reference no. XXXX -- please update my credit report to reflect the correct information -- thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently came home from XXXX  after doing XXXX years and checked my credit report. I have accounts that were created while I was incarcerated. I did not have the ability to apply for anything while incarcerated because I did not have access to anything to do so. 
The following accounts should not be on my credit report. 
XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX The following inquiries cant be mines : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  They should block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, I've read that by law 15 USC 1681 Sec. 604 A Sec. 2 : A consumer reporting agency can not furnish a account without my written instructions.

So I don't know how this got on my report...

These accounts are hurting me in a very bad way cuz I can not get any loans or any thing due to fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PORTFOLIO RECOV ASSOC {$680.00} Balance updated XXXX XXXX, 2022 PORTFOLIO RECOV ASSOC {$1600.00} Balance updated XXXX XXXX, 2022 This account was previously removed from my credit report for fraud. I was not in the country on that date. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/2015, {$2000.00}. Put a notice on my door to pay false late fees in 4 days or My personal items would be put to the street and I would be evicted. I was discriminated against by new management and bullied to leave property with my child.

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 2019-07-26
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to Allied Collection Services requesting they send me proper documentation to myself such as a copy of the original contract with my wet signature, documentation proving they have the legal authority to collect on this alleged debt. They received my letter on XX/XX/2019 via tracking info & was confirmed with account specialist XXXX on XX/XX/2019 XXXX. 

In my letter I unequivocally asked Allied Collection Services to cease collections/reporting until such account was validated which they did not. 

XXXX XXXX ( supervisor/legal ) stated on a recorded call ; that the account was not going to be removed as it was " allegedly validated '' on XX/XX/2019. 

My validation letter dated XX/XX/19 was a rebuttal for Allied Collections to send me physical proof meaning documentation and not just verifying an address or name. 

As of XX/XX/2019, I have received no response/correspondence to my validation letter that was received by them on XX/XX/2019. I then spoke to account specialist XXXX who confirmed no other documentation was sent out following my XX/XX/19 rebuttal validation letter. 

This is a clear violation of the Fair Debt Collection Practices Act. ( section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary ) ( section 609 states that they are required to send me the paperwork associated with this account. )

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