BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Services constantly calls me at all hours claiming I have a debt from 12 years ago that I never had ( and would be past the statute of limitations even if I did ). They spoof numbers so it 's always different on the caller ID. I 've sent XXXX cease letters certified mail to them, and they ignore them both. They use vulgar language and threats every time they call. This has been going on for over a year, my next step is to sue them as others have ( which would include {$1500.00} for every call they make to me ). They ca n't even tell me what the so called debt is from!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I recently requested an increased credit line from Bank of America to a total line of {$3000.00}. Over the phone they told me they would see if they could approve me for that level. Instead they exceeded {$4000.00}. Months ago I had requested that they decrease my credit line to {$1500.00} and instead they closed my account and I had to re-apply.

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 2017-01-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My loan was sold to Navient and there is inconsistencies in what is owed. There are also inaccuracies being reported on my credit report. No one was able to explain my options of income based repayment or tell me what is best in my current financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX lists numerous late payments when, in fact, I directed them years ago to automatically take the money out of my checking account. Their failure to do so has resulted in derogatory information being reflected as aforestated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have worked and am still working in the XXXX for 42 years been married for 37 years and lived in and paid for this home 28 years. One day in the local paper is a notice stating our home is foreclosing. The judicial sale is taking place this Thursday XXXX XXXX. We are losing our home even though we did all the right things paid our taxes-paid our bills. Right now we have NO outstanding debt except this loan and a student loan. Our credit is excellent. So why would we stop paying on this mortgage? For what purpose? We got an attorney XXXX XXXX and we never met with an attorney. Even in court they did n't introduce themselves. Now we are out {$7000.00}. Please even tho it 's tempting do n't go with pop ups on the computer. They are just stealing from you. There is NO ONE that will help you They will steal from you and you will still have no where to live. This loan started with XXXX XXXX XXXX went to XXXX then to many others. I do n't even know all of the lenders that have changed hands over the 28 years. We paid off credit cards to XXXX and XXXX XXXX and they will not report the XXXX balances to the credit bureaus. Why are we being hurt this way? Why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I originally wrote Equifax, XXXX, and XXXX  a 609 letter dated XX/XX/2021. I never heard back from them nor were the items I was disputing entered into the record so to show that the items were in dispute. I wrote them on the month of XX/XX/2021, a letter to comply with their own rule set in place that they have 30 days to respond which they failed to do. Therefore I am now following procedure and lodging my complaint for the record. I plan on going to court and suing for the amount of {$1000.00} for failure to comply with the rules and failure to amend my credit report to reflect that such items have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AR RESOURCES INC, XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX keeps reporting a medical debt. They have NEVER mailed me any notices about any outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, my wife and I went through a messy separation and we split so I vacated the home and she stayed. She did not make any payments on the loan allowing it to go further and further into default. Due to domestic issues, I was not able to move back into the home to reinstate the loan or complete a loan modification. My wife vacated the home last year, leaving it to foreclose and I have been trying to rectify the default since. I have submitted a complete short sale packet, all documents required of me have been sent to the mortgage servicer. They agreed to postpone a foreclosure that was previously scheduled since I submitted documents but they still have the short sale under review and they still have an auction date for XX/XX/XXXX scheduled which is unfair to me since I did everything that was needed. They have deemed the short sale packet completed so all that is needed is additional time to be able to close out the sale. I am still suffering financially due to my separation and desperately want to avoid a foreclosure that will only put me further in the hole. Please assist me with getting in contact with my servicer to help me get this auction stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am having a problem again with this mortgage company, they have changed their name several times in the last 10 years. They started out with the name XXXX XXXX Mortgage changed that to XXXX Mortgage now their name is Ditech XXXX. XXXX XXXX XXXX, SD.XXXX they have other addresses but thats the XXXX i have for them. They are overly aggressive about taking my house. Your company helped have helped me before with this company but they are at it again. They gave me a modiiforcation on my loan about a year ago and i made all my payments on time each month, along the way they keep adding other expenses to my mortgage payment. i keep sending in my regular payment and they start saying i was not making a full payment, that i was only making partial payments and they start putting into my account that i was delinquent but i was making my payment. They added to my payment without letting me know of their change and why, they added taxes, insurance, and their attorney fees for me to pay. Now they are threatening to foreclose for a small amount of {$1400.00}, I need help i am retired and living only on social security. 
PS.By the way my interest rate is 8.25 % and they refuse to lower it. 
Thank You XXXX XXXX XXXX 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 2015-04-27
Company: Ditech Financial LLC
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I put my home in a bankruptcy in XX/XX/XXXX. The bankruptcy was dismissed and the property was foreclosed on. It was sold to another lender who is reporting the property as being foreclosed on in late XX/XX/XXXX. It is affecting my ability to obtain credit and pursue the possibility of owning a home again. I have not been contacted by the new company that foreclosed. It is still also showing a past due balance of XXXX which is inaccurate if the property has been foreclosed on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: Bread Financial Holdings, Inc.
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Experian Information Solutions Inc.
State: IL
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:
Experian reported XXXX  DATE OF INQUIRY XX/XX/2021.

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 2021-07-05
Company: EQUIFAX, INC.
State: IL
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:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following credit inquiries are related to none of the aforementioned permissible. 

XXXX XXXX DATE OF INQUIRYXXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Green Tree was my XXXX loan and they took over my loan from XXXX XXXX. I found myself in a serious financial situation where I could n't afford to pay my loan any longer. I tried to short sell my condo twice. the last attempt failed because Green Tree demanded I bring additional money to closing to pay them and sign a paper that basically said I would still pay them the total loan amount. The XXXX loan bank got angry and said Green Tree 's terms were not legal so the short sell fell through twice. 
While all this was going on, Green Tree illegally obtained phone numbers for All my previous employers and for a handful of my family members. Green Tree called them every day, all day long from XXXX to very XXXX. They told people they were looking for me because I owed them money. They told them to tell me I had better pay them. Green Tree also asked everyone if they thought it was right that I was n't paying them. 
The phone calls greatly affected my life. I would receive phone calls from family members and previous employers telling me I had better get my stuff figured out so Green Tree will stop calling them. I almost lost my job because the phone calls at my work would n't stop. I made several calls to Green Tree asking them to stop but they never did. I had to file chapter XXXX and get a lawyer. Even with the right paperwork filed, Green Tree did n't stop. 

It is now several years later and Green Tree has been pulling my credit about every 4 months. I sent them a letter asking them to stop and they sent a letter back saying they had a right to pull my credit if they wanted to. 
Green Tree has put me through XXXX and made a huge spectacle of my financial situation. Just because I owe someone money does not give them the right to be abusive, curse at me, inform anyone that ever knew me, they feel I 'm a dead beat who owes them money and threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Commonwealth Financial Systems has placed an item on all XXXX of my credit bureaus that was proven to a previous collection agency as fraudulent. I have contacted this collection agency several times and they will not return telephone calls or mailings, but also refuse to remove the item from my credit reports. 

The item in question is from a hospital bill in XXXX XXXX that took place by a person using information from my stolen wallet. The original debt is from XXXX XXXX XXXX Hospital, and I have a statement XXXX XXXX XXXX XXXX Hospital detailing that their investigation resulted in my being free and clear from further collection attempts because they found the incident to be a case of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got a notification from my credit report that a collection account was put on. I have received nothing from this company that they have any bill of mine. Im a college student and with this pandemic it hard but I pay my bills. I would have set up a payment plan like the rest of it was my debt and was notified of such debt. This is the only negative thing ever on my credit. I worked hard to have good credit and a clean credit report and for them not to notify me of anything is unacceptable and against the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: ONLINE Information Services, 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:
I've spoken to serveral representative from the parties involved with this company and they still won't comply with the information I have given them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I never recieved any information about this debt, but its reporting on my credit report as late and closed. Its hurting my creditworthiness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-28
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I need your assistance in helping me to get this Amsher Collection account remove from my XXXX Credit Report. This account is not mine. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified XXXX along with Amsher Collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : NATIONAL CREDIT SYSTEM Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$460.00} Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Aldous & Associates, PLLC
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 obtained my consumer report and saw inaccurate and illegal information being reported and Pursuant to section 15 usc 1681a under the exclusion section number B states that anything extended or authurized from a credit card should be excluded from a credit report. According to definitions section 15 usc 1602 ( i ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit.This is meaning a credit card from a bank of any form is not allowed on my consumer report and in fact they are illegally reporting information to my consumer report. This information can not be verified or accurate unless the company interviews with neighbors, friends, or associates but however such information shall not include specific factual information on a consumer credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer, according to section ( e ) of 1681a definitions. I am in disbelief of this matter and my ability to obtain credit has been hurt because this company has not followed the laws that has been set in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Please refer to Complaint # XXXX. 
I am refiling since that complaint was closed without the appropriate response, or solving the problem at issue. NOTE : I no longer own the property in question. 
As a XXXX XXXX XXXX XXXX, I do not have the time, energy or resources to keep fighting WELLS FARGO BANK, N.A. and/or WELLS FARGO HOME MORTGAGE ( WFHM ), [ also used herein interchangeably as WELLS FARGO ]. Therefore, I am pleading with the CFPB to demand that WELLS FARGO correct their errors where they incorrectly and falsely issued a XXXX Form 1099-MISC to memore than one year and a half after Chapter XXXX Bankruptcy filing was discharged ( and paid in full as agreed ). WELLS FARGOs actions in this matter is highly injurious to me and the additional stress is affecting my health and well-being. 
Please refer to my complaint XXXX submitted to CFPB XX/XX/XXXX ( now closed ) that stated the following : Wells Fargo Home Mortgage : Engaging in deceptive and unfair practices. My mortgage payments not applied, or misapplied. I was in a Chapter XXXX Bankruptcy, filed in XX/XX/XXXX, which was discharged in XXXX XXXX. According to my Trustee and Bankruptcy Courts, I fulfilled all my obligations including all payments to WFHM. I continued to make all post-petition payments each month. Suddenly, and to my astonishment, around XX/XX/XXXX, WFHM threatened foreclosure and is falsely stating that I am in default and owing {$23000.00}!! It is very suspicious that this happened only after I questioned them about why my monthly payments were " not applied '' after each payment and another issue which is not part of this complaint. 
1-I am requesting written proof from WELLS FARGO regarding " miscellaneous income '' allegedly paid to me and reported to IRS on XXXX Form 1099-MISC, in the amount of {$19000.00}. This documentation must show the date, form of payment, and all proof that the money went into an account belonging to me or was cashed/endorsed by me. 
I DID NOT receive any income from Wells Fargo! 
2-I am requesting written proof that the Bankruptcy Trustee was notified by Wells Fargo of their alleged " error '' of payments not received. Wells Fargo is making this claim, that they made an error, without substantiation. According to the Bankruptcy/Trustee 's records, no such notification was filed. All payments were made as required.

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 2021-07-06
Company: AMERICAN HONDA FINANCE CORP
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: Their investigation did not fix an error on your report

Complaint:
You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation