BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a a unverified account from PLAZA SERVICES #  XXXX . I had previously disputed this account. I have never done business with PLAZA SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA  ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that PLAZA SERVICES Provide verification of the followin  g : 1. ) The original Application or contract or produce my signature on the original contract.
2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) A  n itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PLAZA SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Have tried to close my Regions bank account for over a week. Called again on Saturday  XXXX  and was told it was closed. I check today  XXXX  and voila it 's magically opened again and I was charged another {$8.00} service fee. Called them today and was told that the fee that posted yesterday   XXXX   automatically opened the account back up! I ca n't close because the fee is pending. This is absolutely ridiculous!

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 2017-05-10
Company: ALLY FINANCIAL INC.
State: IA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ally Investment purc hased  XXXX , an online investment company. I am unable to reach  Ally Investment  by phone regarding my account. I called the telephone number provided on the web-site (  XXXX   )  multiple times during the day, and was on hold for hours. I also called Ally Bank general telephone line (  XXXX   XXXX  ) and spoke to a supervisor, who informed me that he was unable to reach the investment team, using the direct telephone number via the bank telephone system.   In addition, I sent  Ally Investment  an e-mail (  XXXX  XXXX  XXXX  ), complaining that I am unable to reach their telephone customer service. They replied by instructing me to restart my browser. There is an urgent issue that can not be completed on line, and requires a telephone customer service assistant, but I am unable to reach this financial institution. This  may  cause me financial lose.

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 2015-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The consumer reporting agency has repeatedly falsified information on my credit report.the false information has made a drastic negative impact on my credit score, this impact has prevented me from goals such as home ownership among others. The reporting agency has updated information on several accounts that have been closed for a extensive time, thus violating the fair credit reporting act. The following are closed accounts that have updated as late or past due in recent months. 
1.XXXX - closed XX/XX/XXXX showing past due in XX/XX/XXXX also showing incorrect amounts2.XXXX - closed XX/XX/XXXX showing as past due in XXXX3.XXXX ( XXXX ) closed XX/XX/XXXX showing as past due XX/XX/XXXX4.XXXX ( XXXX XXXX ) closed XX/XX/XXXX showing past due XXXX5.XXXX closed XX/XX/XXXX showing past due XX/XX/XXXX6.tsi XXXX closed XX/XX/XXXX showing past XX/XX/XXXXThese items are reporting as if they are recently past due, thus leaving new creditors to believe my current situation is such that I may not pay them responsibly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Fox Collection Agency located at XXXX XXXX XXXX, XXXX, TN XXXX. States that a Debt from XXXX XXXX and XXXX XXXX XXXX XXXX are owed. I never received any Debt Validation letter FDCPA 809 - 15 - USC- 1692, I did not receive any statement of the account/payment history/signed contract from the creditor. This debt is not owed. I would like to file a complaint against Fox Collection Agency as they have in error posted on XXXX, XXXX XXXX, and XXXX negative information that is not correct. In addition, I would like to request all negative reporting to be removed from credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have been attempting to get added a s Power of Attorney to my father 's Capital One credit card accounts. Please rea d the following letter which describes everything.     Dear  Capital One Custom er Care Team : In your letter dated  XXXX   XXXX , you indicated that Capital  One  will not add me as Power of Attorney ( POA ) to my father 's account ending in  XXXX . My father suffers from   XXXX   XXXX    XXXX . In your  XXXX   XXXX  letter you requested my SSN/tax ID and total annual income. I responded by requesting a copy of  Capital Ones written policy regarding the privacy of Power of Attorneys. I also explained that attempts made by Capital One via email or phone to contact my fath er directly would be ill-advised as he is suffering from the recent, unexpected loss of his only son.     I have still not received a copy of any written policy regarding the protection of POAs privacy. And, on  XXXX   XXXX , a  Capital One representa tive called and attempted to speak with my father.     Now, for the SAME account ending in  XXXX , we have received ANOTHER letter dated  XXXX   XXXX  with a DIFFERENT case number, directing us to send the paperwork you requested the first time around all over again.     Please check your records. Add me  as POA to my father 's Capital One ac counts so that I can help him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
NOC Financial Systems is contacting my son and my father regarding a debt that I apparently owe, although they have yet to contact my phone and leave a message nor have I received anything in writing. My dad is XXXX years old and does not need this added XXXX and furthermore if someone needs to get in touch with me I have had the same telephone number for 16 years. If someone needs to get in tough with me, send it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was assumed by OCWEN in 2013. I have been receiving phone calls stating that I am behind on payments and charged late fees.I made payments to OCWEN for my mortgage. In looking at my payment history OCWEN applied some these payments directly to the principal balance. This created a shortage or " suspense '' for the following month. I have called to have the principal payments applied as a regular payments to my account. OCWEN not processing payments correctly to my account. " Suspense '' and " payment rev '' 's are not being credited properly to the account. I am being charged late fees and they have reported this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
According to   XXXX   and Equifax, I have an account with a collections company named  XXXX   XXXX   XXXX . I have requested validation from  XXXX   XXXX  since  XXXX  of    2015  with no response or validation that I owe a debt, so I s ent two  certified letters to both   XXXX   and Equifax in  XXXX     2015  and not only have they never responded back to me, but they never verified the debt that they alleged that I owe. Also, the collection has been removed 5 times on both credit files and were put back within 5 days with no notice sent to me as to why -- -that is a violation and subject to fines according to the FDCPA. If the alleged collection account can not be validated as mine showing that I had a contractual signed agreement to pay  XXXX   XXXX   XXXX  then it needs to be removed off my reports permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  has not provided proof of this debt they reported to  XXXX  and Transunion since  2015 . I have asked both agencies to remove this debt or provide proof of the actual debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
unbeknownst to me i was paying  XXXX   XXXX  instead of capital one. The balance was  XXXX  dollars. Once i realized this mistake I immediately paid it in full. There was no intent or malice in our part not to make this payment on time, as we are in the process of securing a construction loan. It would be foolish and reckless to do so. The item in question was for  XXXX   2017 , billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint is in response to another complaint I filed previously in that  Sallie Mae r efused to give me information about my cosigner release., this is NOT a duplicate complaint. The first complaint got me that information now I am filing this complaint in that I think  that Sallie Mae 's P olicy on debt to income ratio is calculated incorrectly. They are currently telling me that they calculate my debt to income ratio by taking my full loan amount and d ivide it by one ye ar of my income. Now the reason I am questioning this policy is that with every other loan I 've ever dealt with the debt to income ratio is calculated by taking the full loan amount and dividing it by my income for the life of the loan or by taking the monthly loan payment and dividing it by my monthly gross income. When I questioned  Sallie Mae abo ut this they stated that is not how they do it without giving any more reason than that. I think that without being able to legally prove their policy on debt to income ratio, or provide any paperwork showing I agreed to it, that they need to calculate debt to income in the same manner that the rest of financial institutions use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Resurgent Capital Services is reporting on my credit report "  XXXX  ''. I have contacted this company to ask them to show proof that I entered into an agreement with the original creditor  XXXX   XXXX  Bank. After numerous attempts , Resugent Capital Services h as yet to provide any binding documents or any documents with my signature agreeing to terms. There has to be a legal binding contract which they have not produced. So how can they authenticate this account if I am asking them to authenticate this by the original agreement, or contract? They have sent statements, all computer generated with no signatures and they sent a random agreement once again with no signatures. How can they possibly hold me responsible without any legal binding documents showing the terms of our agreement? Showing I agreed and we entered into an contract?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I requested a Loan Modification at the end of XXXX 2016 beginning of XXXX 2016. They keep requesting the same documents over and over again. Extra check stubs and the same tax release form. Which I already completed and returned XXXX times. Per their website they still have n't gotten the documents. I know they have. I emailed and faxed and rcvd a confirmation page on the fax all XXXX times. They are stalling for time because the foreclosure hearing is next week. This is very frustrating for me. It should be a simple approval because all the documents and info is almost the same as it was a few years ago, so since we were approved a few years ago, we should be approved again. 
In addition, the tax document they keep saying is incomplete, it is completed just the same as the XXXX from 2 years ago ( I compared them ) and they accepted that one/

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have successfully disputed a debt for {$200.00} that originated from  XXXX  but is being sold over and over again to collection agencies that resubmit it on my report. I successfully disputed it twice with  XXXX , once with  XXXX  and am in the process of disputing for a second time with  XXXX . The original debt was for internet service at my home at  XXXX   XXXX   XXXX  in  XXXX , Tennessee. This account was closed prior to selling our home in  XXXX   2013 . The home was vacant until  XXXX  of that year. No service was consumed, the account had been closed but  XXXX  was continuing to bill me without my knowledge. I am attaching a copy of the HUD statement to show when I sold the house.  XXXX , nor any collection agency has been able to prove any service consumed at that location or any records to indicate that I had not closed 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 2017-05-10
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX / XXXX /   17  - Called several members of my organization 's management team on their personal cell phones giving them his name, company and asking to speak to me or a member of my legal representation.     This led to multiple calls and emails to my HR department whi ch may result in my termination. He led them to believe that I was in serious legal trouble and needed legal rep resentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
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:
There is a collection from  XXXX   XXXX  for {$2400.00} that has been showing up on my credit report for a couple of years now that I have been disputing. I was staying with my sister during this time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
sent letters for proof of debt all i got was just a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I contacted the BBB regarding a mis-reporting of my credit score from TransUnion LLC. They report to me XXXX credit score that falsely leads me to believe I am in " fair '' market value for obtaining credit or a loan, but then they report a totally different score to the lender or creditor. This is " Unfair '' credit reporting and biasly misrepresents my credit worthiness. The score they report to me, should be the same score reported to the lender or creditor. 
Both the BBB and TransUnion completely side-stepped the issue and the only resolution they offered was to send me a " free '' credit report. 
I have also contacted them regarding a credit reporting from a " claimed '' creditor that indicates I owe them money for a rental property from 2013. I did not owe the money then and disputed it with the creditor. The creditor refused to show " proof '' that I owed and they never acted on their claim ( i.e. filing suit to obtain a legal judgment making me responsible for said amount ). I have asked for proof of Court Ordered Judgment stating that I owe this creditor, but they refuse to produce or admit that they actually have one. Without this proof, they have no legal right to place this item against my credit. I have repeatedly asked for its removal as there is no proof that it is my responsibility to pay, but both TransUnion and the creditor will not comply. Again, this is " Unfair '' credit reporting and in direct violation of the FCRA and consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have made numerous attempts to rectify the matter regarding my student loans with XXXX. After receiving correspondence that my student loans were in deferment last year due to the government protections put in place because of the pandemic, this year in XXXX, XXXX made all of my loans due and has reported me delinquent to all three credit bureaus for 6 months. In addition, interest has continued to accrue and I have received numerous calls and notices in the mail regarding the loans. I was once advised that the loans were not federally backed loans which is in contrast to the way they are reported on the XXXX site as XXXX loans. XXXX loans fall under the protections that XXXX and the XXXX of the United States have put in place since XX/XX/XXXX. 

XXXX is taking advantage of student loan borrowers and destroying personal credit that so many of us have worked so hard to build.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Advantage Financial Service LLC (Idaho)
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Called and left voicemail confirming call was for a debt on voicemail. I returned call, XXXX stated the debt was for XXXX medical bills, did not confirm who I was. When I mentioned an attorney, she said she would note the account that they do not have the information and hung up on me. I called and asked for a supervisor, whom also would not take my attorney 's information and hung up on me. Was very rude, interrupting me, claiming I filed bankruptcy in XX/XX/2015, which I never ever have, threatened me, used abusive language, very unprofessional harassment. Filing this complaint and sending formal DO NOT CONTACT me letter, with my attorney 's information included.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation