BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 received notice of a lawsuit from   XXXX   XXXX   XXXX   on    XXXX   XXXX  , 2017  for an  XXXX  card balance {$920.00}. I contacted them and because I did not want to have this dragging out or have to go to court, I discussed with  XXXX   XXXX   XXXX , a possible settlement. I contacted the gentleman within a day, indicating a family member would assist me but could only give us {$400.00}, we agreed on a settlement of {$500.00}. I never received a letter indicating same. A settlement letter was sent to me for the amount of {$650.00}. Every time I contact the office I get the run around. I was told the letter would be sent, it was never received. When I called back I was told it could be emailed and would be received by the end of the day. It was never received. I contacted the office again on several occassions and every time there was an excuse. I have been told it has been sent and I have been told it was not sent - all by the very same individual as he is the only person I have spoken to at the law firm. I have been told there is a backlog and I was also told because in my answer to the court I disputed the debt, it had to be cleared by the original debtor, Portfolio Recovery and they could not send the settlement letter. I contacted  Portfolio Recovery  and was told they could not provide any information. It appears they are deliberately preventing me from resolving this matter by giving inaccurate information. Thank you for your assistance. I do not know whether or not the amount in question is correct, but I do not want to be hassled by these dishonest people any longer. This firm is known for and has previously been sued by federal agencies for dishonest collection practices and now I am another victim. They have never provided any proof of contract in addition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: NV
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:
Upon reviewing my credit report, I do not recognize the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-03
Company: EQUIFAX, INC.
State: IN
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:
Someone stole my information to open up fraudulent accounts without my permission. I do not understand how people can open any accounts in my name because i was not aware or present. Please see below information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
A XXXX account is reporting on my credit report with a balance of {$16000.00} XXXX. Over a month ago I previously requested a " FULL ACCOUNTING '' of the charges to this account. 
" XXXX provide me with a full accounting of this account which means all the transactions '' XXXX failed to provide me with that accounting information, alternately they sent a letter completely irrelevant to my request. I have attached the letter. 
Therefore I am again asking for XXXX to provide me with a full account of this account dating from XXXX through XXXX. I do not believe the balance reporting is anywhere near accurate among other issues.

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 2016-08-13
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a complaint with DITECH, which on my credit report lists itself as XXXX different entities which are : DITECH FINANCIAL LLC, DITECH FIN, and DITECH. 
DITECH has made inquiries to all three credit bureaus : XXXX, XXXX, and XXXX in the last quarter. They are indeed my mortgage company. In XXXX 2016, when I made my mortgage payment, they applied the wrong amount, thinking that my check read {$1000.00} less than what it was. I have proof and the cancelled check that they made an error ( which they admitted to ) ; they sent me to DITECH Collection Agency, which I have never been to a collection agency in my entire life, which informed me that they realized their error and would fix it. However, they never did. In XX/XX/XXXX, they told me that I was late on my payment, XXXX weeks after they received the payment and the check was cashed. In XX/XX/XXXX, they did the very same thing. I called them each and every time, spoke to various people in their collection agency, who promised me that they would send me a letter of apology and certainly never report any of this to the credit bureaus as this was their error. I never received the letter, and just knew they would not keep their word, which they did n't. They have made XXXX inquiries under the names listed above, which has resulted in my credit score going down. I am also a victim of identity theft, which also brought my credit score down, but I am sure that you know, as I do, that when a mortgage company sates that you are late with a payment, your score goes down even more drastically. I need them to stop making inquiries to the credit bureaus, as every time they do it lowers my credit score. I would like a letter verifying that they have retracted the false information. Once again I will reiterate that all of my payments have not only been on time, but they have been early.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: DISCOVER BANK
State: DE
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:
Im working on myCredit and I see a couple of inquiries that I have no idea where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: MI
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:
A XXXX account is reporting on my credit report with a balance of {$16000.00} XXXX. Over a month ago I previously requested a " FULL ACCOUNTING '' of the charges to this account. 
" XXXX provide me with a full accounting of this account which means all the transactions '' XXXX failed to provide me with that accounting information, alternately they sent a letter completely irrelevant to my request. I have attached the letter. 
Therefore I am again asking for XXXX to provide me with a full account of this account dating from XXXX through XXXX. I do not believe the balance reporting is anywhere near accurate among other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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:
I have unauthorized inquiries on my credit report ; XXXX ( XXXX XXXX XXXX  ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX  ( XXXX ). I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of may rights to privacy.

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 2020-03-25
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my 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
Consumer complaint received 2022-09-03
Company: Credit Karma, LLC
State: NC
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: Was not notified of investigation status or results

Complaint:
I was subjected to Credit Karma 's false pre-approval claims to credit card companies. How do I go about signing up to be a part of the lawsuit?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We had a home that we were behind on payments. We were trying to sell it and we continued to fall behind on our payments. We eventually found a buyer for our house and during this whole time we kept in touch with Ditech on the situation. We were told that we are okay to sell our home, that it is not in foreclosure and we do not need a short sale. So prior to our settlement to sell our home we were issued a payoff from Ditech ( they issued XXXX different payoffs within a week of each of them but the XXXX one we were told was correct and that we can proceed to settlement ). This payoff had tons of late fees, and charges and lawyer fees and we just decided to move forward with selling it. We went to settlement, sold the house, signed all the documents and the Deed to the property. The money was wired to Ditech to pay off the mortgage. The Title Company even cushioned the wire with several days of interest. So 7 weeks later, instead of us receiving the additional cushioned interest back to us. Ditech wires back the money to the Title Company. The Title Company ( and all mortgage professionals that i have contacted ) have never heard of something like this happening and tried to contact Ditech to find out why they sent the money back. Ditech would not talk to them so the Title Company called us to help them get information on what was going on. We spent hours on the phone to find out that Ditech had an error on the Payoff and did n't add on {$12000.00} of supposed Attorney fees. When we asked for an itemization of the Lawyer fees, they issued a new payoff with NO lawyer fees and other misc charges that they decided to charge us, plus they added a year of Homeowners Insurance that is not needed on the property that they want us to pay. This is scandolous! First, they kept the money for over 7 weeks!! The people are moved in and making Mortgage payments on their new house that they think they own it. Second, Ditech stated that the additional money that we owed was due to Attorney fees but after requesting for an itemization of those attorney fees they called the fees something else entirely. Their only claim was that Ditech 's Payoffs are not definite and they have the right to change their minds on what money is owed at any time!!!! Please help!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
To Whom It May Concern, The reason for my dispute is AFNI XXXX   XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AFNI failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationAFNI is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AFNI is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.AFNI has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have provided this agency numerous times proof that I paid my portion of the XXXX directly to the XXXX prior to the XXXX. My agreement with the XXXX was that all I had to pay that was my responsibility was that amount. This has been going on for over a year. I have provided the proof on multiple occasions directly to the original vendor. They now are trying to force me to pay up by reporting me delinquent to the credit bureaus with the hope that it will scare me into paying up the money i do n't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Received a 1099 B from Square , Inc where I received proceeds of {$2400.00} on XXXX XXXX 2020. I have reported to Social Security Adm., Federal Trade Comm., froze credit reports, reported to oig.ssa.gov. I have never done business with Square.Inc. or XXXX. Feel my identify has been stolen. Need the 1099 B done away with because I did not receive any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested Ditech to stop contacting me and harrassing me with threats of foreclosure on a loan they do not own. They have not responded with my request to validate this debt. I will attach documents sent to them again. I have sent debt validation letters to Green Tree and Ditech several times by registered mail and they have not responded. They are now threatening to purchase a insurance policy on the property which they say I will be responsible for paying. They are debt collectors and I am requesting copies of original assignments to them. How did they get my personal information? Please see copies of letters sent to them. They are threatening to foreclose on a credit agreement they say I have with them, I have never had a credit agreement with these companies they say they have an account with me that is secured by collateral. Please see attached letters they have sent to me and continue to send to me. They call me 3-6 a day and I have asked them to stop calling me until they can properly respond to my debt validation letter. They are not following 15 USC 1692 g1 g2, 1692 c, among many other FDCPA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Ditech Financial LLC
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company sent me a solicitation ( attached ) to refinance my loan. I feel that this is a deceptive letter because it highlights the monthly payment reduction without making it clear that if the loan goes to term I will actually pay nearly {$100000.00} more than the original loan. This is exactly the kind of predatory practice that caused the great recession. Why are companies like this allowed to " trick '' unsophisticated consumers into thinking they will be saving money rather than paying out vastly more in the end. I look forward to hearing what you can do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Applied to XXXX to be a driver. XXXX used a company called Checkr to run a background check. Checkr got back to XXXX about a case here in my county that I had been promised my first offense would be expunged after paying off the court. The following has been sent to XXXX by Checkr : Case Number XXXX File Date XXXX XX/XX/XXXX Court Jurisdiction FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX State FL Full Name XXXX XXXX XXXX DOB XXXX XX/XX/XXXX Charge XXXX XXXX XXXXXXXX Charge Type XXXX Disposition ADJUDICATED WITHHELD Disposition Date XXXX XX/XX/XXXX Plea XXXX Charge XXXX XXXX  XXXX Charge Type XXXX Disposition ADJUDICATED WITHHELD Disposition Date XXXX XX/XX/XXXX Plea XXXX Charge XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Type XXXX Disposition ADJUDICATED WITHHELD Disposition Date XXXX XX/XX/XXXX Plea XXXX I have been rejected as a driver because of this and would like it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been denied for XXXX different credit card 's that Credit Karma said that I was pre approved for. This action lowered my credit score. I believe that I was denied due to Credit Karma not doing a complete job on their end. I also think they should be made to compensate me for the waste of my time and also for my score going down due to their fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Effective XXXX XXXX 2017 It is to my understanding that my credit report will require any public record such as a lawsuit, judgement, tax lien and real property lien submitted for reporting on a consumers credit report, to include the consumer 's name, address and either their social security number or date of birth. If any of this information is missing on a reported public record, it will no longer be reported on a consumer 's credit report. I would like to have 3 bankruptcies and 1 tax lien investigated immediately and removed from my report.
Thanks in Advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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 XXXX Account # XXXX XXXX XXXX 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 an account without my 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 explanation