BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-14
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I filed for XXXX XXXX Bankruptcy since XX/XX/XXXX which was discharged XX/XX/XXXX. During the bankruptcy period I was paying my first and and home equity line outside of the bankruptcy. XXXX XXXX XXXX Mortgage is my mortgage company which I had no issues with ; they sent me " informational statements '' each month which kept me informed of balance interest etc. However Green Tree never sent me informational statements although I had requested many times. I was always promised they would come but time and time again did not receive. Even now after a year since my Bankruptcy has been discharged I have not got XXXX statement. I was never informed Green Tree is now Ditech Financial LLC. I realized after receiving my Form XXXX Mortgage Interest Statement in XXXX XXXX and XXXX Green Tree to determine Green Tree is now Ditech. Both Green Tree and Ditech failed to provide me proper documents to inform me my loan was sold or transferred from Green Tree to Ditech. Both companies failed to comply with my request for informational statements while in Chapter XXXX. Both companies failed to provide monthly statement of my balance, monthly payment amount, interest I am paying ( adjustable ) verification of payments received and loan balance even after my repeated request. 
With out knowing my current current interest amount I was unsure if getting a personal loan would be beneficial. Ditech Financial LLC ( formerly Green Tree ) has caused me much time and stress. As of today, 1 year since the discharge of my Bankruptcy I still have not received a Statement.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: TENET HEALTHCARE CORPORATION
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I just logged on to a credit site to join and look at my report. I noticed something listed under " Deragatory ''. Looking further, I see a company, ( collection agency ), named " Syndicated Office Systems ''. XXXX or XXXX NY I believe. 
I went to check them out so I could get a phone number to call. 
I run across articles on how the Government just came down on them, and they were fined millions for what it appears has happened to me. Not making proper contact and allowing consumers to address any issue before it gets on their credit report. 

I was just amazed as they were in trouble in just 2015? 

So, a at age XXXX, I have XXXX bad item on my credit report. And get this, ... its for {$35.00}. Are you kidding me? 

Today was the first time I was aware it was there, and only because I went looking. 
I have never had any contact with these people. No letters, no calls, no emails, no work calls. 

What should be my next step or am I already included in the class action suit against them? 

Thank you so much. XXXX XXXXXXXXXXXX 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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX Account # XXXX The Above-mentioned Accounts have 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 non-monetary relief
Consumer complaint received 2021-04-20
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Gateway mortgage has and continues to maintain to recklessly disregarded HUD guidelines as well as violate federal law under XXXX to avoid providing the best relief available for this borrower under HUD guidelines. In spite of the fact that this loan is insured by FHA Gateway has insisted that the borrower can not add his wife to the application unless he provides proof that they are legally married which is in direct violation of ECOA. Gateway also refused to reconsider the wife 's income after Gateway acknowledged it would use it once we provided proof of her continued employment which we did. Gateway refused to provide the reason for denial until after we contacted HUD that compelled them to release it. Gateway offered the borrower, under duress, a covid partial claim if he provided a letter saying that his income was effected by the pandemic. The letter he provided said his wife 's income was effected not his. The offer did not reduce his payments in fact they went up. The borrower 's interest rate remains above 6 % and he has an escrow shortage in excess of {$10000.00} that has not been cured. We have spoken with XXXX XXXX, loss mitigation mgr, who appears to be the most inept, uninformed, untrained manager we have ever encountered and definitely needs to go back to some remedial training because the terms he was using XXXX HUD assumption ) have been outdated for decades. This is the 3rd complaint we have submitted through CFPB. There is currently an open HUD file as well. I sincerely hope the new administration will take more of an enforcement approach to resolve the inequities for this borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On my  XXXX  &  XXXX  report s Midland Funding Credit is c ollecting on a debt from    X/XX/2012      this is when the debt was charged off. I had medical issues & the original creditor was  XXXX . This was for a computer that was returned to the company that did not perform properly! No w Midland is REAGING t his debt on my credit report. I am getting harassing phone calls at home and on my cell day and night! Please help.   Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX Auto Loan In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX Auto Loan In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX Account # XXXX The Above-mentioned Accounts have 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 response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX transferred me to SPS ... SELECT PORTFOLIO SERVICING IN 2015 XXXX. I HAVE MADE ALL MY PAYMENTS ON TIME TO XXXX AND SPS. somehow and i still do n't know why, XXXX took my payments and divided them saying that i owed XXXX $ then i wrote for a research and investigation.when sps contacted XXXX/after a year of harrassment calls and letters they then said i owed another XXXX remember i made all payments never late or missed.i contacted CONSUMER COMPLAINTS SEVERAL TIMES TO NO AVAIL.now after 14 m0nths i am getting new harrassment letters of forclosure.to stop the harrassment i have been sending extra payments to sps on XX/XX/XXXX, with my reg XXXX payment.this XXXX holiday SPS SENDS ME MORE FORECLOSING LETTERS THE SAME SAME LETTERS I RECEIVED 14 MONTHS AGO ... REALLY .PLEASE GET THEM OFF MY BACK AND IF U CAN FINE THEM FOR THEIR INEPTITUDE AND UNPROFESSIONAL DEALINGS WITH ME FOR OVER A YEAR. thanks 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 2017-01-06
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
A California attorney and/or debt collector by the name of XXXX sent a letter to my place of work indicating that she would be suing them on behalf of ECMC. She sent this letter on XX/XX/XXXX, and it was received on XX/XX/XXXX ( letter attached ). She indicated that she was going to sue the employer for a " debt '' that has already been dealt with by more than one complaint filed with the CFPB. She received immediate communication back on XX/XX/XXXX. In addition, ECMC had claimed that it had retained California attorney, XXXX to defend it against FDCPA claims. XXXX office was contacted, and they continued to claim that his law firm was handling the matter and that there should n't be another attorney. Without respect to the confusion that was caused, multiple email forwards were sent to XXXX indicating that I do not have any debts owed with ECMC. She was told that she was not to contact my place of employment via certified mail, telephone, email and facsimile. She was immediately sent documents indicating that there was no Administrative Wage Garnishment in effect and that there was, therefore, no potential claim against my employer. Nevertheless, she still contacted my place of employment on XX/XX/XXXX, emailed the CEO, and spoke with the CEO twice. She then claimed that she would also be contacting the payroll company. After receiving a Cease and Desist and Notice of Intent to Sue, as well as having complaints filed with the CFPB, ECMC and its agents have contacted my workplace a minimum of an additional seven times and have contacted my former college to attempt to obtain records. Unfortunately for them, the records of the college - which have parts blacked out by either ECMC or the college - reveal that I was fraudulently classified as a law student ( I never applied to law school, and I, therefore, certainly did not attend law school ) and show that I made direct payments to them. This corresponds with my own receipts for payment, which I ordered a hard drive reader to be able to produce for their former attorney, XXXX. ECMC - under threat of lawsuit - and with direct proof of fraud, will not stop. Not only that, this situation has become much worse because my work has been contacted more times now than before I filed with the CFPB, and I have had to research additional agencies to turn to to receive assistance. This is consuming unbelievable amounts of time, and there is no way to achieve a permanent solution. It is absolutely horrifying that you can have a debt collector create this much harm without anyone doing anything to stop them. They need to be put in jail, and this needs to be considered a crime punishable by jail time, because they have literally stolen my money and are attempting to do so again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Basically What Is Going On Is.. My Credit Report Is Showing Up To Date Information About My Payment History About A Credit Card I Owned That Was Closed On XXXX. 
However As I Begin To Look On " Experian '' And Also " XXXX '' I See " No Data Provided ''. There Is No Information Provided Of Any On Time Payment History I Was Making On This Account. I Would Immediately Like This Information To Be Updated. Or For This Account To Be Disputed And Removed From My Credit Report Completely At The Soonest Convenience. Thank You Have A Blessed Day!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX the XXXX I received a letter from XXXX XXXX XXXX XXXX. The letter stated I owed XXXX as of XX/XX/2022 and the creditor is PayPal Inc. I do not have a PayPal account and never have had one. It references account number XXXX. This is a fraudulent attempt to collect money. I looked on line and it appears this company is doing this to multiple people. My concern is if everyone knows about this, why is our government protection agencies not doing anything about them? 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I got behind on our mortgage when my husband had XXXX XXXX. Green Tree sent us notification they were going to foreclose on our home. We finally got the money to catch the payments up and paid it. Thinking we were good we recieved a letter in the mail stating they were taking the necessary steps required by law to gain possession of the creditor 's collateral. It also states they 've sent us a " Notice of Default and right to cure Default '' notice. The notice is still in effect and they will proceed as outlined in the notice unless they receive {$400.00} in late fees. My husband went in person to pay the missed payments and was told we were current. No one said anything about late fees or that they could still foreclose on our home over late fees. They also charge every time you make a payment and with draw money out of our bank account even when we 've not authorized them to do so causing NSF charges at our bank. This company needs to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fair Collections & Outsourcing, known as FCO.

FCO had previously tried to collect an amount of {$220.00} from me without proof. That amount has changed to {$76.00} still without proof of that amount being correct.

I have requested validation of debt from FCO several times now at least 4. They have refused to send it. Validation of debt had also been requested in XXXX, XXXX and again in XXXX and FCO failed to provide it each time. FCO has sent a notice of the debt to each of the consumer reporting agency, the notice of the debt must be removed since they did not provide validation of the debt.

FCO has NOT shown they have the right to collect the ALLEGED debt.

FCO has NOT shown the ALLEGED debt is mine.

FCO has NOT shown the amount is accurate. 

In fact, I have documentation proving that the amount is not accurate. So, I don't know how they could possibly claim they have proven it to be accurate. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX of FCO have repeatedly failed to follow federal law, as outlined in the The Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Diversified Consultants, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is an UNKNOWN account. I have never had an account with XXXX which you mentioned that I have debt with. I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: NY
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:
Unauthorized Inquiry on my Experian credit file

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: FACTUAL DATA CORP.
State: GA
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investiagtion results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold by Greentree to Ditech approximately 6 months ago. Since that time, my loan payments ( which have always been submitted on time ) have been applied to my escrow rather than my mortgage, thus making my mortgage payments late. We have contacted them each month letting them know that the payment has cleared our bank and they will reapply the payments to our mortgage, which does happen eventually. In the meantime until that payment is applied ( which can take up to 10 days ), we receive calls on our cell phones and our business phone stating our payments are late. Many of these calls come on the weekend and the evenings when we can not address the issue with a live person. This happens EVERY MONTH. My XX/XX/XXXX payment was not applied to my account until XXXX XXXX, therefore accruing for an additional month and making me over 30 days late when my payment was actually received by Ditech on XXXX XXXX. Additionally, my XXXX payment that was sent on XXXX XXXX is still showing delinquent. I talked to a supervisor today that said it is a known error and this is affecting XXXX Ditech clients. The collections calls are borderline harassment since there is no immediate recourse I can take, my mortgage payments are being held hostage due to a computer error, my credit has the potential to be affected and I am being charged unnecessary accrued interest!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: DC
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:
Disputed the following unknown inquiries that I did not authorize that still havent been removed from my Experian credit report : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX opened a collection account on XX/XX/2022 in the amount of {$780.00} in my name. They have used a collection agency called Account Resolution Servi to attempt to collect this fake debt. I have never heard of this company before. I do not know why they are trying to charge me for something when I have never used their services before. There are reviews from multiples people stating they have been victims of these false collection scams before by this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: JMS Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A man named XXXX XXXX from a company he referred to as JMS Associates has called the receptionists at my new job 5 times this past week to claim he is attempting to collect a debt. 

This is either a fraudulent attempt to collect a non-existent debt ( I have never been contact by JMS Associates at any time previously until XXXX XXXX began calling me at work ) or it is a tact planned to place me in an awkward position at my new job ; for if JMS has a legitimate debt to collect, they have received my personal contact information from the original creditor and I believe they should be using this information properly instead of contacting me at my place of employment every day.

Company response to consumer: Closed with explanation