BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-10
Company: PHH Mortgage Services Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX we closed on a condo in XXXX XXXX. The mortgage company at the time of closing was XXXX XXXX. The mortgage was immediately transferred to XXXX XXXX. After a few more years, the mortgage was transferred to XXXX XXXX and payments were made to PHH ( a mortgage payment clearing house ). 

In XX/XX/XXXX, my partner and I were having financial difficulty because of a faltering business we both owned. We fell behind our on mortgage payment in XXXX XXXX. In XXXX XXXX, we sent a payment for one month. The check was returned to us because, as the representative said, the payment did not bring the account up-to-date. The next month, we tried to make two payments. The checks for both payments were returned because the payments did not bring the account up-to-date. 

The mortgage was transferred to the Loss Mitigation Department. We attempted to contact the department several times over the course of two months. Each time we were told the person in charge of our account would return our calls. That person never called us. 

Finally, we spoke with the account manager who sent us a Financial Package to work on possible solutions. We immediately sent in the necessary paperwork regarding such solutions. Later, we called the account manager several times only to be told the account manager was " awaiting a decision from shareholders. " Obviously, our mortgage was falling further and further behind. The decision was finally handed down. The account manager told us we did not qualify for any repayment terms and we needed to pay tens of thousands of dollars ( payments, fees, interest, and penalties ) in order to keep the foreclosure process from moving forward. 

The property was sold at auction in XXXX XXXX. We were evicted from our condo in XXXX XXXX. The paperwork filed for the foreclosure, sale at auction, and eviction were prepared by the Law Offices of XXXX XXXX XXXX, XXXX ( We later learned, via different and well-respected news outlets, our foreclosure documents had been robo-signed by employees -- but not attorneys -- in the Law Offices of XXXX XXXX. XXXX. ) Consequently, XXXX XXXX XXXX was later disbarred from the Florida Bar Association for his actions in handling thousands of foreclosures in the State of Florida. 

See links to news articles. XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had a dispute over the amount due. The company was told when I first got the loan to never call my work. On Friday, XXXX XXXX, 2015 the company called my work. When I asked if she were aware she was not supposed to call and she said yes and apologized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXXXXXX XXXX  and XXXX XXXXonsumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the XXXX XXXX District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for  accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

XXXX. ) Phoenix Financial Service, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my {$310.00} XXXX  debt in full to the company that owned it at the time, XXXX XXXX XXXX XXXX XXXX. On XX/XX/23, they cashed my check. 

On XX/XX/23 and again on XX/XX/23 I was contacted in writing by Credit Collection Services, who attempted to collect the same debt, this time for {$330.00} but for the same procedure carried out by the same provider on the same day. 

My guess is that XXXX XXXX XXXX XXXX XXXX both cashed my check paying the debt and also sold the debt to another company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: First National Collection Bureau, Inc.
State: SC
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:
im disputing this account, on the basis that i dont remember having a verizon account in XXXX the company that is fighting over it is XXXX and the collection people are for first national collection bureau, i have been arguing ovrer this bill since XXXX XXXX i also have XXXX dispute this but was told that i had to dispute the other company. i have asked numerous times for all the info on this account to no prevail, please help me dispute and have this erased off my credit report thanks. i have had a problem of someone else using my name too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
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: Account information incorrect

Complaint:
XXXX XXXX XXXX, in it 's capacity as servicer transferred a loan that was foreclosed to XXXX to collect. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX 's attorney responded to a complaint advising the Rescission Deed reinstated the lien and debt. On XX/XX/XXXX, a year later, XXXX XXXX XXXX, XXXX 's attorney, conceded the Rescission Deed and Foreclosure sale we 're both invalid. On XX/XX/XXXX, the Court declared the Rescission Deed was invalid. However, XXXX the alleged successor to XXXX is continuing to report this on my credit adversely without any legal authority. Please forward this complaint to the Federal Trade Commission for review, along with the historical file of my complaints.

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 2023-08-05
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: Personal information incorrect

Complaint:
Request to Remove Inaccurate Personal Identifying information Dear Sir/Madam, My only existing name is : XXXX XXXX XXXX My only existing phone number is : XXXX My only existing address is : XXXXXXXX XXXX  XXXX XXXX. XXXX, MD XXXX Please remove all other names, name variants, phone numbers, addresses, shown on my credit profile and credit report as I have been a victim of identity fraud in the past. I'm concerned they may make me susceptible to identity theft again, also I am entitled to 100 % accuracy under federal laws. 

Respectfully, 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 2016-10-14
Company: Dyck-O'Neal, Inc.
State: MA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In 2008 I got behind on mortgage. After a long time XXXX XXXX foreclosed on the house. After some more time I got a XXXX with a crazy low Fair Market Value of Property of {$77000.00} & Balance of Principle Outstanding of {$190000.00}. XXXX XXXX is coming after me for the difference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts- XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX has been violating 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry 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 2015-06-04
Company: Hauge Associates, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This agency calls me on my cell phone and home phone, XXXX of which are unlisted numbers, at all hours. The person calling does NOT identify himself as a debt collector, or even say who is with. He attempts to get personal information form me, and other members of my household. He calls from XXXX XXXX XXXX and I only know it 's a debt collector from searching the number online. I have my home and auto loans thru a local credit union, and I have only XXXX Credit card which is fairly new and never been in arrears. This company uses many illegal tactics and should be stopped. 
Hauge Associates , Inc . 
P.O. XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXhttp : //www.haugeassociates.comXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 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 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 Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent TransUnion three Identity Theft Reports, each with a cover letter, a copy of the Identity Theft Report, color copies of my drivers license and social security card, and exhibits of the pertaining fraudulent accounts as instructed on the FTC website. Two of said packets were sent on XX/XX/XXXX, and received on XX/XX/XXXX. The third packet was sent on XX/XX/XXXX, and received on XX/XX/XXXX. Following each of the letters, they not only failed to block the information within 4 business days, they sent letters stating that they are not blocking the information for one or more of the following reasons : - The request provided is missing essential personal identifying information or account specific information that would allow us to complete your request. I have already provided them essential and specific documents described above. If TransUnions reasoning lies with needing additional proof of address/identity, I will provide it here, however that is not explicitly stated as a requirement in Section 605 ( B ). I have acted in accordance with the FCRA and TransUnion has not.

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 2017-09-26
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
FromXX/XX/XXXXthrough XX/XX/XXXX I rented from XXXX XXXX paying XXXX monthly. Upon providing my 30 days notice in XX/XX/XXXX, I moved out on XX/XX/XXXX. XX/XX/XXXX I went to XXXX XXXX 's office in XXXX, Tn to return all keys and garage openers. I asked if anything else was needed, nothing more was needed and I scheduled to be present during the final inspection walk through. After the walk through with maintenance/inspector was complete, I called XXXX XXXX again and spoke with XXXX XXXX XXXX to ensure nothing was else was needed, I was told everything was complete and that my deposit would be mailed out to my new address. In late XX/XX/XXXXI received my entire deposit back in FULL to my new address that was provided. 

9 months later : This year XX/XX/XXXXXXXXXX/XX/XXXX I started receiving calls from a collection agency ( NATIONAL CREDIT SYSTEMS ) stating that they were calling on the behalf of XXXX XXXX. The woman on the line stated that I owed XXXX XXXX {$90.00} in unpaid debt, I informed her that I would not speak to her regarding that matter because it could be a fraud to collect money. I contacted XXXX XXXX on XX/XX/XXXXand was transferred to collections, after not being able to get through I left my name and phone number, and was informed that someone would call me back. After no response I called back on XX/XX/XXXX and was transferred to a voicemail again. No one EVER returned my call and the collection agency calls stopped as well. I thought it had to be a scam because I never heard from either party again. 

That is until XX/XX/XXXX a collection account from XXXX XXXX in the amount of {$90.00} was placed on my XXXX and XXXX report causing my credit score to drop drastically. I do not owe this debt, all debt was paid in full before I moved and my deposit was refunded back to me in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is reporting inquiries that I didn't authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Billing statement

Complaint:
First, this is not a report of a personal issue but of a potentially abusive practice. Bloomingdales sent my statement today, XXXX XXXX, by email, dated XXXX XXXX. The bill is due XXXX XXXX. If this bill is sent online, there is no reason the consumer should not have it in his or her hands the same day, or, if that is not possible, the statement should be dated for the date it is actually distributed to the consumer. The Bloomingdales credit system is administered by Citibank. I happen to be financially more than OK, but people with hardship may well need the extra three days. At any rate, in the electronic age, there is no reason for a three-day lapse. It needs to be brought into line. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX XXXX, XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX are stating that I do not have the right to opt out when in fact Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. Previous letters were sent as well with no response. 
I will be filing a lawsuit for improper reporting on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If XXXX, Equifax, and XXXX do not remove this information from my report, I will be filing a lawsuit on them as well. See attached documentation as proof.

Company response to consumer: Closed with non-monetary relief