BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-03
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a complaint XX/XX/XXXX, case # XXXX. I have not heard anything that has happened with my complaint. Since then, I also have new contact information for myself which hopefully I can change when done here. From my original complaint, I never heard anything from Green Tree other than they would look into it. I have since sold my house and had to take out a hard money loan to pay them in full since nobody at GT would talk to me. Again, this all stems from their inability to work with me at all over a year 's time ( please see original complaint submission ). I did pay them in full XX/XX/XXXX. I received the " paid out '' note back from them 3 weeks ago-5 months later! I just recently ran credit on myself and was distraught at discovering that they are still showing a large balance out there with the words " unpaid balance charged off ''!! This is really amazing given the amount of work I went through to pay them in full at closing! I have tried to talk to someone at GT again to no avail. I will contact the credit bureaus to dispute this however the damage to my credit has already been done. I am truly at wits end with this company and not really sure the CFPB is helping in any way.

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 2015-10-14
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Credit Management. To date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumer 's rights. Their illegal actions have caused XXXX consumer 's credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file. 

In XXXX I opened an account with XXXX XXXX Bank with a Credit Limit XXXX. I began receiving numerous threatening and harassing phone calls and the representatives were all giving me different amounts. My balance was less that XXXX by the time it was sold to Midland Credit Management. They have added XXXX cents worth of fees. Illegal by Washington State Law XXXX Prohibited practices. Further As of XXXX XXXX, the U.S. Consumer Financial Protection Bureau ( CFPB ) database listed more than XXXX complaints about Encore Capital Group. Consumers complaining about Encore allege : Continued attempts to collect debt that the consumer did not owe Threats to take legal action False statements or misrepresentations Refusing to provide information to enable the consumer to verify the debt. 

The Better Business Bureau says it has closed XXXX complaints about Midland Credit Management from XXXX XXXX to XXXX XXXX, including XXXX closed in the last 12 months of the period. A majority of the complaints ( XXXX ) were about " billing / collection issues. " A " closed '' complaint is one in which the company has responded to the BBB sufficiently. It does not mean the complaining consumer is satisfied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
the mortagage company paid back taxes and then doubled our mortgage payment. being current on property taxes is required by this mortgage company but was not when we took out the original loan from another mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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:
THE FOLLOWING INQUIRIES ARE FRAUDULENT : XXXX 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 2020-08-10
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a call from XXXX five days ago. " American Express XXXX XXXX '' has continued to call from this number. Interestingly, this number also comes up as XXXX XXXX. They have failed to provide a letter discussing why they are calling as required by law. This has been an ongoing issue with this company. This is also a violation of federal law, which requires written notice within five days that includes creditor, amount, rights, etc. The letter received does not disclose that " this is an attempt to collect a debt '' and not provide the required notice within five days. This company should be prevented from conducting any additional calls as this is now being harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09
Company: World Acceptance Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I received a marketing letter from Colonial Finance and I decided to set an appointment to apply for a loan for {$1000.00} to pay off some citations and car repair from an accident. After applying they said I was approved but would have to pay back {$1800.00}, over {$800.00} in interest!! Highway robbery! Colonial Finance has HORRIBLE and unethical collection practices where multiple representatives used the reference list I had provided when I applied for the loan against me. Colonial Finance harassed me, my manager, my parents, family and friends TWICE DAILY on both cell phone and their work numbers leaving a message each time! Everyone was mad at me for giving Colonial Finance their number because they were harassing them and most are on the XXXX list but Colonial Finance said they did not care and continued to call. I decided to contact XXXX and enroll in a program where they would help me with paying off Colonial and stop the harassment calls. My counselor recommended sending a Cease and Desist letter to stop Colonial Finance 's harassment and so I sent them XXXX. ( see attached ) XXXX sent Colonial Finance payment but they would not negotiate a payment that would be affordable. I was hoping for {$50.00} a month but they do not accept partial payments so I had to do $ XXXX/month, so upon receipt of my payment Colonial responded by filing a lawsuit against me plus court cost. I called my XXXX XXXX for help and so she called this XXXX XXXX who filed the lawsuit to see if she could drop it because it was not necessary ( see attached XXXX and XXXX said there was nothing that they could do. Why not? It is unnecessary and they were getting their payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, 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 act XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2016-09-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/2016 I sent Midland Bank Funding which appears on my credit report A Disputed Verification Letter WHICH STATES I 'M Deragotolry I owe {$550.00} am in collections in reference to a XXXX XXXX account. As I 'm checking around my previous credit report I came across on XXXX dashboard that XXXX account was removed from my account credit report as of XXXX credit report will no longer list this acct.The Acct. number stated XXXX is now under Midland funding .I thought the account was already removed from the XXXX credit bureau XXXX as stated on my credit report of XXXX correspondence I received on XXXX/XXXX/2016 was a letter acknowledging my dispute but nothing else no validation of contract or signature or proof.I sent out a XXXX Dispute Letter to Midland Fund after 31 Days and they sent me on XXXX/XXXX/2016 almost the same letter and a copy of Last Bill dated XXXX the Credit Report Midland Fund is re-aging this XXXXmidland fund as Date opened XXXX XXXX n't this a violation? I THINK SO!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-31
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was originated XXXX XXXX, 2006 with XXXX XXXX XXXXXXXX Lender. The interest rate at that time was 8.5 % on an adjustable rate mortgage which I expressed was high but the Loan Officer with XXXX Mortgage assured me he would refinance the loan in 6 months to a fixed rate. Well to no avail, I 've been trying since 2006 to get help with this loan because the interest rate is now 11.13 % which is totally ridiculous. This Loan Officer also falsified information on this loan as well. He stated this home was my primary residence which he knew it was n't since I live in XXXX and the home is located in XXXX where my Sister resides and has ownership interest in the home. I simply want the interest rate lowered so the payment is affordable. I 've applied numerous times for a loan modification and been denied for so many different reasons including, it 's not your primary residence, you make too much money, now I 'm unemployed the excuse is my credit score is too low and the income provided is n't enough which was a rental income option Di-Tech suggested and still turned me down. These companies play the paper game and have no intentions of helping the consumer. I have yet to know who the actual note holder is. XXXX XXXX XXXX denies being the owner, as well as Bank XXXX who XXXX said they sold it to. This home is probably worth $ XXXX if that with a monthly payment of almost {$900.00}. I have several entries on my credit report stating I 'm in the arrears over $ XXXX and have a balance of over $ XXXX being reported by Di-Tech and other Loan Servicers in the past. I need help so badly with getting this loan resolved. It 's ruin my credit and caused so much stress. Any help you can offer would be greatly appreciated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: CO
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-05-18
Company: EQUIFAX, INC.
State: NC
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 had my identity stolen twice in XXXX  which I later filed FTC reports, there was a XXXX XXXX XXXX foreclosed home ( XX/XX/2018 ) on my credit report valued at {$190000.00}, with a zero balance, with a message, " Thank you for paying off your loan '' attached to the comments, then was later changed to a REDEEMED FORECLOSURE, also with a zero balance, nothing owed. I was told, I'd get a call from their Fraud Dept, but no one called and I keep getting swithed over from dept. to dept. Finally got a Fraud # but it just rang and rang. No one picked up. 

I've made SEVERAL FTC reports and many phone calls to XXXX XXXX XXXXXXXX... calls to XXXX  that has divulged they have NO RECORD of ANY FORECLOSURE in my name in their system, yet it remains on my credit report, yet somehow, the credit bureaus claims it was " verified '', which is utterly FABRICATED. 

This fraudulent account on my credit report is ruining my Finanacial relationship with potential new creditors and I would like it removed from my credit report, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX & XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am writing to you about an account that XXXX XXXX XXXX XXXX which they purchased from another company called XXXX XXXX XXXX ( Preditory Lending ). My account has been written off by the vendor for over 7 years or so ago. On my last credit report which it did state it was written off and then the amount on that account was about XXXX4 times less than what they are claiming. I have all of my credit reports stating that fact. Also, They have been calling my house non-stop. Getting about XXXX of their calls about this. Then non-stop letters in the mail about this as well. I will be sending this information and my concerns to the Federal level, XXXX MN and also my congress person XXXX about this matter. I already tried talking to XXXX of their representatives about this matter, but all he did was yell at me and also treated me like garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: VA
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 XXXX  XXXX, XXXX XXXX, Law offices of XXXX XXXX, Law offices of XXXX account number XXXX, XXXX XXXX XXXX account number 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 2022-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One has been reporting 2 charged-off credit card accounts on my credit reports. I have contacted them at least 5 times in an attempt to fix the problem. Neither of these accounts was opened by me, and the debt showing as unpaid was not incurred by me. I do not have any idea who used my information to open these accounts. I am XXXX and I believe that Capital One is engaging in discriminatory and predatory behavior towards me. I can not begin to fathom how this company can continue to report these debts when I have notified them, in writing, that I have NO KNOWLEDGE of how these debts came to be! The only thing that I am sure of is that I did not open or use these 2 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a tragedy in XXXX XXXX, XXXX when I loss my son in a accident. I could not work and had to file for bankruptcy which was discharged XXXX/XXXX/XXXX. I 'm in the process of purchasing a home after I was able to get my credit up again. I 've called BB @ T several times have spoken to several different people. Today I called and spoke with XXXX XXXX who stated that they had submitted to HUD 78 months ago to close the loan. When I call HUD they have no record of this at all. But yet on last Friday I was told by BB @ T that the loan was closed. I hated doing a bankruptcy and even after that I had at least XXXX short sales which BB @ T would never approve ... im just trying to get my life back purchase my home and do the right thing. All I need is verification that the loan is closed with BB @ T and HUD. 

XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, 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:
I notified Equifax and XXXX  that i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: FL
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 Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Department of EducationXXXX Account XXXX XXXX Department of EducationXXXX Account XXXX XXXXXXXX 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 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 2016-06-25
Company: Ceannate
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
FMS ( XXXX, NC ) appears to be trying to pull a bait and switch scam regarding rehabilitation of my student loans. In XXXX 2016, I called FMS to negotiate a repayment/rehabilitaiton plan. After several hours on the phone, including a transfer to a supervisor, I was given a monthly payment amount I felt I could afford and agreed to direct debit from my checking account. I was told I would be receiving forms I would need to fill out and return and was given a list of other documents I needed to submit. Although I made several phone calls and left several voicemails to follow up, I never received the forms to complete. I nonetheless submitted the documents as requested. The monthly payments have continued to be debited from my checking account ; however, in the last week, I have begun receiving letters informing me that documents -- including the forms I never received -- are missing and that the rehabilitation agreement will be cancelled. 

This is clearly a bait and switch tactic, in which FMS lured me into an agreement, took money from me for several months and now is trying to cancel the deal and/or change the terms. 

I am appalled that a government agency like the Department of Education would do business with such shady debt collectors, and I am beginning to feel hopeless that I will ever be able to resolve my student loan default. If this approach is considered acceptable by reputable government agencies, then I might as well plan on staying in default until I die.

Company response to consumer: Closed with explanation