BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-15
Company: Dynamic Recovery Solutions, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has been calling my residence every day around noon to inform me of a bogus civil filing against me. They want me to call their number to pay. I told them to stop calling me with this nonsense. That if in fact there is a civil filing and law suit to send me the civil filing and I will have my attorney address the matter. I have not received anything in the mail other than harassing calls and unethical letters saying there is a debt but no proof of where this is from. I do not owe anyone or any company money. My credit cards are to date with their payments along with all my bills. I have also filled a complaint with the Federal Trade Commission and Consumer Protection Services and the XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10
Company: EQUIFAX, 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 recently reviewed my credit report and found unauthorized inquiries. I contacted the creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
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 Account # 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 Experian Date Last Active : XX/XX/XXXX XX/XX/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 2020-12-05
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was served with lawsuit papers from debt collectors Midland Credit Management. I have repeatedly asked for a copy of a physical contract with my signature verifying the validity of this contract and debt. They can not furnish it only a card statement. XXXX  XXXX the original creditor can not provide me one either as I requested. This has hurt my credit reports and any chance of obtaining credit. I will be placing a fraud alert on my report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Most recently I have been disputing these accounts with Experian around XXXX early XXXX. Verification of debt was requested via letter and sent certified on XX/XX/XXXX and received by all Experian on XX/XX/XXXX. Experian has failed to provide sufficient information used to verify debt but has responded that it has been verified or updated. 

Please see list of accounts below. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX- XX/XX/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 explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: IL
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 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 .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 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX 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 2022-07-18
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The following company have been reaching out several times by phone and email for the last XXXX years, I have been trying to remove the PMI in a home that I have more than XXXX  years already, they continue refusing to process this removal with the excuse of that I am late in my payments which is false, all payments are on times, and the only late payment were during covid 19 and they offer us to no made payments for XXXX year without penalties and credit remarks, all escrow payments was made and pay on time, this company have been refusing under any legal facts why they still refusing these legal right of consumer under mortgage policy and statutes, their answer is without credible grounds. I required intervention with this company, I pay taxes, I pay mortgage on time, I pay escrow, Insurance and still have no legal grounds for such refusal.

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 2017-05-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
according to the U.S. treasury guidelines. under the imminent default criteria I believe my brother who is a military veteran deserves to keep his home. under the US treasury guidelines he should be eligible for a   modification based on his  XXXX . He went through marital issues and a divorce in  XXXX  and  XXXX  causing him to struggle with excessive expenses, he struggled from  XXXX  and was hospitalized multiple times. He Is a  XXXX  patient and has to be   XXXX    XXXX  times a week. He was admitted into the hospital on  XXXX  and  XXXX , currently in hospital.   He has been hospitalized multiple times due to  XXXX   XXXX  and issues that may have resulted from being in the military. He depends on medical equipment for support to walk and to get around. he is only  XXXX  yrs of age and struggles like an elderly individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: Dynamic Recovery Solutions, LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX/XXXX/XXXX received debt collection notice from Dynamic Recovery Solutions. I responded on XXXX/XXXX/XXXX asking them to validate the debt because I have never had a creditor by the name they indicate and I have never owed a debt in the amount indicated by Dynamic. I never received any response. Then on XXXX/XXXX/XXXX they sent another collection letter. I still have not been provided the information I requested and I have advised that this is not my debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: Experian Information Solutions 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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 he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 non-monetary relief
Consumer complaint received 2015-06-09
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received MANY phone calls by unknown numbers, often at early hours of the day. ( XXXX may be reasonable to lawmakers, but is ridiculous to me ). These come to both my home and cell numbers. Sometimes these calls can come XXXX times within a XXXX minute time-span. This is ridiculous and unacceptable, hence this complaint. Because I do not know the number, I have no reason to pick up. They should leave a voicemail message, identifying themselves and who they are calling for. This information is never provided. I answered XXXX of these calls from yet another unknown number ( this time at least a company name showed up on caller ID : XXXX XXXX ). The caller let me know this number was listed as an alternate number for my brother. Ok. That 's fine. I can take/deliver a message. Then the caller continued to say that they have been trying to reach him for a long time. I told the caller this is the XXXX message I have received. If a message is not left, this is the XXXX attempt to contact my brother at this number. Then I found out that this company is the one that has been calling and hanging up, with no voice mail message, which has been disruptive and harassing to me. This is NOT ok. 
The caller 's response was that they are not permitted to leave a message on voice mail, by law. 
1 ) if this is true, then the FTC needs to revise the law. I am sure this harassment is happening to other consumers, not just me. I am a law abiding consumer with great credit. I am willing to be the alternate contact for my brother and work with him to help find resolution, if that is what 's needed. However, the harassing phone calls are inexcusable!!! The credit collection company must be able to leave some kind of message. 
2 ) if this is not true and the company is allowed to leave a voice mail message, but instead instructs their employees to frequently dial numbers and hang up until someone picks up, then my complaint is against Central Credit Services. This practice is NOT ok. There must be some way to respect the people at the other end of the phone line ( including responsible consumers like me ) with basic information that does not give out confidential information. Perhaps a message stating " my name is XXXX from XXXX company. I am trying to reach so and so regarding a personal matter. Please call XXXX stating reference number XXXX. " There must be a way to protect responsible consumers, while still allowing the credit collection companies to function.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home loan is now being serviced by Ditech, Original Loan XXXX then Greentree I believe XXXX thru today 2016. In the Months of XXXX Thru XXXX of this year I have been seen discrupitancies having difficulty in speaking with a humane that 's does n't seem threatening. I am on a BI-Monthly payment which is every other Friday deducted out of my bank account. I started to notice in XXXX Late charges being applied to my account, when I called they said it was a computer err and would ask that the fee be removed, Again the following month another Past due charge was applied ... I called again ... " They will request this be waived '', Computer err my account is in good standing ... Then come XXXX ... I get a NON so Nice man Beating on my door, handing me a notice to Call Ditech.. I call no nothing 's wrong account is in good standing ... then I receive a letter notifying me that there has been a collection agent assigned to my account XXXX at XXXX ... PLEASE CALL " This communication is from a Debt collector. I call .... NO your account is in Good Standing ... THEN on XXXX I receive a Notice : This letter is to inform you about a Loss Mitigation : Temporarily Forbearance Agreement, which gives you time to pay your monthly obligation, If I are unable to make my payments, my best option to find AFFORADABLE Housing or oss Mitigation .... 
Additional ... Seek housing XXXX Assistance. 
Again sent from This communications is from a Debt collector Ditech Every time I call Ditech, I have to start from the beginning to be transferred to a supervisor only to be disconnected ... After XXXX Calls or MORE. That last person I spoke with was XXXX a supervisor who said I DON '' T want to hear again that you 're a Commercial lender and do n't need to know that you know what a Forbearance agreement is, when I asked that this letter of collection be retracted he clearly declined saying that last letter was only a sales tool and did NOT need to be retracted. As of my XXXX statement Thru my XXXX Statement and XXXX payments later I can only see approx XXXX Applied to my principal balance. I have asked serval times for the statement reflecting their accounting and how 's it has been applied with NO success to date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: AL
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 accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct XXXX XXXX. XXXX XXXX XXXX Acct # XXXX xxx XXXX. XXXX Acct # XXXX XXXX. XXXX ACCT # XXXX They have violated my rights. 

15 U.S.C 1681 Section 602A states that I have the right to privacy 15 U.S.C 1681 Section 604A Section : It also states a consumer protection agency can not furnish an account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) -- no consumer reporting agency may make any consumer report containing any of the following items of information -- -Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) -- A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are 100 % incorrect from XXXX In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate

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 2022-04-10
Company: ALLY FINANCIAL INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Some of them clearly stated they had no proof i ran my credit with them and didn't know where the inquiry came from. Every time i try disputing they just update it.

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 2015-07-06
Company: BB&T CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a home built and closed on our loan in XXXX of XXXX. We closed knowing the taxes were based on an unimproved amount and would increase in XXXX of XXXX when the XXXX appraised our home with improvements on the land. When XXXX XXXX came and went and I had not received a letter from BB & T Mortgage regarding an increase in our payment due to the taxes going up I called them. I was told that they do their annual escrow evaluations in XXXX of every year and I should receive a letter in XXXX. Knowing that there was already a 6 month time period for the XXXX taxes that I have not been paying on improved amount I began saving money to accommodate until BB & T sent their letter. When I received their letter in XXXX XXXX it said my escrow shortage was {$480.00} which I knew had to be wrong as our taxes went from {$1000.00} per year to {$9700.00} per year. I called BB & T the same day I opened their letter and explained that I thought they were wrong and they needed to properly adjust my mortgage payments. The person I talked to said they could see what I was saying but that their escrow department sends the notices and if there is a shortage after they pay the taxes in XXXX XXXX they will notify me of the shortage to pay. When XXXX XXXX came and went with no communication from BB & T I called them again. They said I would get a notice for the XXXX shortage after they do their annual evaluation in XXXX XXXX. I saved the difference in taxes paid versus owed for XXXX waiting for the letter which I received XXXX XXXX, XXXX. To my complete shock when I opened their letter it said that I have an escrow shortage of {$15000.00} or the option to have my mortgage go from {$1800.00} to {$3800.00}. BB & T waited TWO YEARS to get my escrow account right and send a letter saying I owe them {$15000.00} - this is insane! Although I did my best to be a responsible consumer and save for what I thought my shortage would be due to BB & T 's complete lack in ability to properly set up an escrow account it is nowhere near what they say it will be. I now have to sell my home as we can no longer afford to live here. Had they adjusted my mortgage when they should have in XXXX of XXXX this would not be an issue. BB & T 's lending practices are irresponsible and reckless, not to mention financially crippling to consumers like myself. Please assist in making sure that consumers like myself are not victimized this way in the future and force BB & T to better service their customers. What has happened to my family is in my eyes criminal and now my entire monthly salary will have to pay this mortgage payment until I can sell this home that we can no longer afford due to the careless lending practices of this company. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: American First Finance, Inc.
State: OH
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:
Pulled credit placed credit inquiries on credit reports I didnt apply for credit with this company

Company response to consumer: Closed with non-monetary relief