BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-05
Company: Phoenix Financial Services LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PHOENIX FINANCIAL SERVICE is attempting to collect on an alleged debt in the amount of {$1800.00} for their client : XXXX XXXX XXXX XXXX XXXX ... ... a medical bill. 

A medical bill that I have no knowledge of. I never received any written notification of my rights to dispute and /or request validation of this alleged debt, they just placed this invalid information onto my credit report without due process ... .process to include my rights pursuant to the FCRA, FDCPA and the Fair Credit Billing Act. This agency is in violation of these federal laws. 

PFS has placed this derogatory information on my credit report as valid when in fact it has not been validated at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: CA
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:
Today XX/XX/20 I was made aware of an account that was opened in my name without my permission ; The only reason I found out about this account is because I applied for a credit card and I was not approved due to this account being in negative standing. The account is from a company called XXXX XXXX XXXX. I did not open that account and I did not allow anyone else to open that account in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I ever make any payments made towards this account. I have filed a police report regarding this unauthorized 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 non-monetary relief
Consumer complaint received 2018-07-25
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A collection agency requested info from a former landlord. I would have used that landlord as a reference, but can't now. 
On the envelope was a lawyers name and address. FDCPA subsection 804 states that no symbol, logo, or names shall be used that infere a debt collection. As now i can no longer use that landlord as a reference, there is a violation of FDCPA policy with a penalty up to {$1000.00}. I'd like that agency to pay their fine. Per FDCPA subsection 813. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am currently trying to refinance under the XXXX program. You need to be current on all mortgages in the last 12 months in order to qualify, which I am. Ditech Mortgage has incorrectly reported to the credit agencies that I am at least 90 days past due on my mortgage which is absolutely not accurate, even according to their own records which they have sent to me. I have been following up with them for well over a month to get them to correct this and notify the creditors that the report was an error and we have paid as agreed, but today XXXX/XXXX/2016 they have still not corrected the situation and this is adversely affecting my credit score and my ability to refinance. I have called several times and emailed and this remains an issue. I 'm asking for help to get this rectified quickly so it stops impeding what I need to do as they do n't seem to care or have a sense of urgency in correcting it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company has called me 7 times since XX/XX/XXXX, most recently today at XXXX. Each time they ask if they " have the pleasure of speaking with the owner of such and such company '' I do not own the company, not associated with it, never heard of it. Each time I have told them they have a wrong number and to remove me from their list, not to call again. They continue to call. I have gotten more aggressive on these latest calls letting them know that this is now harassment and they are breaking spam laws. Told them I would report this to the FCC or whoever handles it, and this is one attempt to do so. The company is here : The Offices of Credit Management , LP XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX They are calling me from various phone numbers starting XXXX # # # # I can not get them to stop and I want them punished for violating my rights.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I recently found out that three different people on three different parts of my Powers of attorney and they are completely destroying my identity the destroying my credit destroying everything connected me to businesses making hundreds of millions of dollars under my name this is all illegal I never signed or allowed anybody to have my Powers of attorney I would like to press charges on all of them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Atlanticus Services Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Fortiva has not been reporting my credit card for the last FIFTEEN months! They report to XXXX but not to XXXX or XXXX! I have submitted previous complaints to CFPB to no avail. Fortiva reports to CFBD They are reporting scores and that is the end of it! However, there have not been reported scores since XX/XX/2021!!! 
This is in violation of the Fair Credit Reporting act as you well know! Please take some action rather then believing that Fortiva is keeping my credit line up to date, which is a lie! Ask them for proof and take this seriously as this is a federal law!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: SUNRISE CREDIT SERVICES, INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter saying I owe XXXX XXXX  but I closed that bank account and there was nothing on it that's what I was told and I fixed what was going on and I get mail from XXXX saying I been billed by buying XXXX  products and I don't have an XXXX I have an XXXX  phone and I don't know why I'm getting billed for anything I closed everything down and saying I accidentally opened an account that I didn't even need at all and they closed it so why am I getting something in the mail that says I owe 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 2016-10-23
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My tax returns have been audited by the IRS four times in the past seven years due to Ocwen Loan Servicing 's ineptitude in reporting my mortgage interest paid. Ocwen simply does not report my share of the property taxes and/or mortgage interest paid annually ; however, they do report my husband 's share, which is half. In every case, I submit a copy of our XXXX which clearly states my name as the payer/borrower and the amount of mortgage interest paid. Ocwen Loan Servicing consistently fails to report my share of the mortgage interest, and in XXXX cases, real estate taxes paid, to the IRS. This is not my first complaint to the CFPB regarding Ocwen ( CFPB File No. XXXX : treatment of Escrow payments ), but is the first of this nature. I left a voice mail message for XXXX XXXX, CEO of Ocwen, at XXXX due to my utter frustration with this entirely inept company. I can not understand how XXXX XXXX can continue to operate this company with such blatant disregard for simple math. My prior complaint with CFPB regarding the same company is still outstanding, as Ocwen does not seem to know how to apply an escrow payment to offset an increase in monthly mortgage payments. My frustrations are many ; my immediate frustration is my fourth IRS audit in XXXX years simply due to Ocwen 's blatant discrimination toward female co-mortgagees. It is disgusting. I anticipate subsequent IRS audit notifications and requisite responses due to the trigger that Ocwen is causing. This is unacceptable. The most recent IRS notification is for the year XX/XX/XXXX. That means I should expect another notice for XX/XX/XXXX, and again for XX/XX/XXXX once I file my returns. I am frustrated to the point of wanting to pay off my mortgage just to be rid of Ocwen, or force a transfer of servicing to another, competent servicer. The time spent in resolving so many issues over so many years is time I will never get back, nor will be compensated for. The escrow issue is still outstanding, and Ocwen is unable to explain how an overpayment to escrow does n't affect an increase to our monthly payment. Again, Ocwen, WHERE IS THE MONEY GOING??? Why are n't you reporting me as a co-borrower, co-payor to the IRS?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I am a customer at CITI Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Every 4- 5 months CITI offers a " bonus '' on your interest if you deposit {$25000.00} or more. They say they will pay the bonus 90 calendar days after the deposit. I have enrolled in this promotion several times. Each and every time they do NOT pay the bonus and I have to call and argue with them Often they can not even find the program, but eventually they have gotten paid after they do an " investigation. '' Earlier this year they offered another program XXXX ( see attached ) which I enrolled in and I deposited {$25000.00} on XXXX/XXXX/2016. After 90 days NO bonus was paid.It was supposed to be {$300.00}. After several calls another investigation was started and my request was denied ( see attached. ) I believe that many customers are being lured into this scheme and conveniently not being paid their bonus. The CITI office is : CITIBANK Client Service ATTN C.G.S. 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 2015-12-21
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was Leasing a house with XXXX other roommates. Vacated the property on XXXX XXXX - started receiving letters months later from Hunter Warfield that I owed in excess of {$3600.00} after my {$1000.00} security deposit was applied. I never received written notice from landlord stating my rights as a tenant to contest charges. I have repeatedly asked for invoices as to the damage and have been hung up on, harassed when I am working and am badgered with lawsuits, being told I have to get an attorney and that my credit will be wrecked if I do not pay. No one is willing to verify that this debt is accurate and when asked for copies of invoices I am told to get an attorney. I am a XXXX year old XXXX XXXX student supporting my way and do not have the luxury of an attorney. XXXX Statutes mandate that I am to be sent a written letter explaining the charges, the reasoning my security deposit is held and my rights to dispute and I have never received anything like that. I am told that they have photo 's, but I have photo 's date and time stamped as well proving many of the charges were falsified. I was told also that the leasing company is too big to provide the invoices so I should get an attorney just to verify that these charges are accurate. The charges were reported the day I vacated the property - how a house can have drywall, painting, cleaning all in the same day I moved out is ridiculous. The removal of items that they are claiming as well charging me for, are in my friends garage so obviously the leasing company went to our house prior to our move out. These charges make no sense, I was never officially notified by the leasing company and the debt collectors Hunter Warfield have no proof that the debt is even accurate but are putting on my credit report. The only proof of any letter sent by leasing company was to my former roommate. There is nothing showing my name. 

This is the email sent when I requested invoices " XXXX, Your lawyer can request invoices, not you I can share the pictures of the damage you were charged for as I did with XXXX. You must dispute the charges with a lawyer. 
They are not that easy to get, this is the XXXX largest XXXX single family home company in the XXXX and all is in XXXX through XXXX. Just dispute with a lawyer and have him request. '' This does not seem fair or legal to just put blanket charges on an invoice and give to collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions 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:
I have been dealing With a divorce and Exwife had a XXXX XXXX XXXX XXXX She closed this box XX/XX/18 Due to sending credit cards to this box to this address. This was not nor has it been my address. 
I have disputed this address with experian for 2 yrs they will not remove it due to accounts attached to it which are credit card accounts from my exwife. 
I had validated this was not my address on more than one occasion Experian needs to know and understand under the FDRA and The FDCRA this is a violation unless it's verified in which they have failed todo. 
This was solely in my wife 's name not mine, Please investigate and remove at once at a physical address as which a po box is not a physical address even though it's not my address.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-04-09
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report recently and discovered that this company is reporting a debt that does not belong to me and is damaging my credit by reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: CA
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 called the three reporting agencies about some fraudulent inquiries I found on my credit report. Each bureau told me to file a ftc report and I did just that along with my dispute letter, id, copy of my social security card, and copy of a utility bill. Its been well over 50 days and nothing has happened, the fraudulent inquiries are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX has violeted 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 non-monetary relief
Consumer complaint received 2019-11-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Under Florida Statute 57.105, attorneys fee 's can only be awarded to the PREVAILING PARTY IN A FORECLOSURE ACTION. On XX/XX/XXXX, The the moving foreclosure party ( XXXX XXXX  ) dismissed the legal action VOLUNTARILY. The Court order attached herein clearly reflects that the foreclosure action was dismissed pursuant to a settlement between us and the bank and therefore XXXX XXXX  never prevailed in the foreclosure action and NOT ENTITLE TO LEGAL FEES PURSUANT TO FLA. STAT. 57.105. See Fla. Statute attached herein for your review. 

See page 3 of 7 to the note executed on XX/XX/XXXX. Under section ( d ) " Payment of note Holder 's Cost and Expenses ''. The note reflects the following clause " If the Note holder is required to pay immediately cost and expenses for enforcing the note whether or not lawsuit is brought TO THE EXTENT NOT PROHIBITED BY APPLICABLE LAW ''. What does the last paragraph mean? It means that a lender can not add these fees to the account if the state where you reside does not permit or allowed by Statute. Under Florida Statute a lender is PROHIBITED from pursuing legal fees if have not prevail in an action. There is clear and convincing proof in that the foreclosure action was dismissed due to a settlement out of Court and therefore did not prevail in the action. PHH Mortgage Services are in car violation of Florida Statute 57.105. Both the note and the Florida Statute 57.105 does not allow for such charges given that their predecessors ( Ocwen ), ( XXXX ) DID NOT prevail in the foreclosure action. PHH actions are illegal in the state of Florida and should be reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: AZ
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:
I need clarification as to why you are reporting certain information on my credit report. Please review the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are both charge off the status and balance of these accounts are 100 % inaccurate if any debt was written off the balance should read {$0.00}. 7 CFR 1782.3 Charge-off. Write off of a debt and termination of servicing activity without the release of liability. A charge off is a decision by the Agency to remove debt from Agency receivables, however, future payments may be received. If you Can not Verify this account is reporting 100 % Accurate and Without Error, Immediately Delete This Account from my credit file.Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. Violation of fcra 623 ( a ) ( 7 )

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