BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-29
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We filed bankruptcy in XX/XX/XXXX?? We included a home we have a mortgage with DiTech, so that we 're protected, but we continued to pay the mortgage & still pay every month. We did miss paying the tax payment in XX/XX/XXXX, and DiTech paid it & added it to our mortgage. 
DiTech continues to call us several times a day, morning, afternoon, or evening. I accidentally answered one of their calls & the man claimed we missed 2 payments -- which was totally false. I told him to stop calling us. They mail us certified return receipt mail. 

It 's just harassment, after harassment, after harassment. We assume it 's because they want to refi the mortgage so that it is no longer protected under bankruptcy. But I did tell them we plan to continue paying the monthly bill every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I went to XXXX XXXX XXXX on XXXX/XXXX/XXXX, I paid my co-pay during the visit. XXXX XXXX XXXX XXXX tried to use incorrect insurance information ( XXXX XXXX XXXX ), when I 've had XXXX XXXX XXXX XXXX of Texas insurance since XXXX of XXXX. 

XXXX sold/contacted CommonWealth Financial Systems, they submitted my debt/account to collections on my credit report in XXXX of XXXX. 

I contacted them stating I had insurance, they worked with XXXX to resubmit a claim to XXXX of Texas, which denied their claim stating the submission as 12 months past service date, and I was liable for {$0.00}. 

I will be submitting the explanation of benefits for the original service date, and the resubmitted XXXX from 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 2017-01-26
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was/ am a XXXX customer and have been for a long time. Prior to XXXX XXXX I was on a single person plan with XXXX. Then in XXXX XXXX I closed this plan and opened a new plan with my girlfriend, also with XXXX and have been since. In the change from my old plan to my new plan I supposedly owed {$48.00}, of which no one from XXXX told me or gave me a bill or called me. I assumed therefore that the account was closed completely and I did n't owe anything. 
Apparently, that was a mistake. Instead on XXXX XXXX, XXXX, 2 and a half years later they sent this to a collection agency called Enhanced Recovery, phone number XXXX. And did Enhanced Recovery do anything, send me a letter, call me, email me? 
No, instead, they waited until XXXX XXXX and without any contact, without any notification, they reported this to the credit bureaus knocking my XXXX XXXX from XXXX to XXXX. When I found out, I called the Enhanced Recovery and spoke with the manager, XXXX XXXX at XXXX and told him that no one ever contacted me or let me know I owed this money. I stated I have no problem paying the {$48.00} but I want it removed from my credit report. XXXX was ambivalent even seemed to taunt me saying they only update credit reports, they do n't remove anything. I know for a fact they have that ability. I found out the history of my XXXX account from a call with XXXX customer service Manager XXXX XXXX at XXXX XXXX XXXX XXXX and she told me that the amount had been transferred and when.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-13
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I was moving from XXXX to XXXX, I packed up the XXXX boxes, Once I moved in my new house, I called them and they sent me boxes to return the equipment. They received the equipment and never removed this from my credit report. They have used several agencies to collect money from me when I sent back all of their equipment. This is fraud and no one would listen to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX someone has used my information to purchase XXXX XXXX XXXX, and when I got a bill at my mail, immediately reported to the XXXX XXXX and they told me to not worry anout that may be was a mistake, but after that I did noticed that at my credit score there is a collection amount which was not mine. 
After that I did disputed that to the XXXX XXXX and XXXX credit companies! 
In XXXX the XXXX XXXX company did send me letter where its says that the collection item was removed from my credit history but XXXX didnt do anything In XXXX and even in XXXX! there is no live agent there to talk, phone calls are ignored through the automated system.And even more when you trying to google their phone number, its takes you to some law firms who advise you to fix it by money, and when you disagree to pay ( because its not you debt ) they finally asking if you want to connect to the XXXX live agent, and if you say yes they make a connection to XXXX live agent! 
The AWA collection company is the rudest in entire my experiences! they dont answer your questions, very disrespectful and nonprofesional, several times hanging phone on you, dont provide XXXX if asked and dont provide any information about the claim or proof! I think there both work together to try steal money from innocent identity theft cixtims

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Started calling me a few weeks ago. I told them we are in a lawsuit against each other and that they need to contact my attorney. The first time I actually answered they said to have my attorney contact them, which I asked the attorney office to do. The second time I actually answered, I told them we are in a lawsuit and they need to speak to my attorney and they said thats not how it works, which is untrue so I hung up.

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 2015-04-06
Company: Ability Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My credit report shows a collection account by XXXX XXXX XXXX for something called " XXXX XXXX ''. I sent the attached letter to XXXX XXXX XXXX requesting proof in the form of a signed document by me stating that I am responsible for this account and to date no one has responded to my request. I believe this is a violation of the Fair Credit Credit Reporting Act. My identity was stolen and I am only finding out about it now as I went to apply for a credit card. I am demanding strict proof that this is my debt and I want to see where I signed for this loan/credit card or whatever the original debt is. It has been over XXXX since since I made my request and this is hindering my approval for an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt is from an overdrawn checking account from XXXX sometime around XX/XX/XXXX. The representative for ability recovery agreed to remove this debt from my credit report if I paid in full. around XXXX/XXXX/XXXX I made the payment of {$130.00} from my XXXX account. This is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXXXXXX Date filed XX/XX/XXXX Identification number : XXXX ; XXXX XXXXXXXX .... Balance : {$400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: MA
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 want to delete the account XXXX  XXXX XXXX, I tried to taken action against them and was not successful in anyway please help me delete this account from my Consumer report. 
I did not open this account. 

Name : XXXX  XXXX XXXX XXXX open : XX/XX/XXXX Amount ; {$410.00} Name : XXXX  Date Open : XX/XX/XXXX Amount : {$190.00} THESE ARE NOT MY ACCOUNTS

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 2017-02-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had a XXXX student loan with citizens bank, it had been turned over to collection when they were not able to reach me so the gave it back to citizens who in turn just took the funds directly out of my checking without sending me any final notice. They said because it was in my original disclosures when I received the loan back in 2012 they are under no obligation to send me a final notice or warning of action. 

Now I am experiencing a financial hardship because they have taken most of my funds and I am unable to meet my other financial obligations. 

If they sent me a notice stating you have until XXXX XXXX, or we will take the full amount from your account I would have reached out to them. Instead I find out when I check my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: ERC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called my cell XXXX times and only let the phone ring XXXX before hanging up.

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 2017-03-15
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a company called Commonwealth Financial reporting I owe a medical debt which I have not been to the hospital in many many years. I feel this is a mistake. I have disputed and it resolved nothing. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX a domestic wire was supposed to be sent for XXXX. The banker received the right bank name, account number, and routing number as I initially did the same type of wire in XX/XX/2022. I showed the banker exactly how the receipt from the previous wire was done and was under the impression she did it the same way. She asked for a XXXX code and I told her we didn't need one because the bank was in the US. She demanded one in order to send because the merchant was in XXXX. I again explained that the merchant bank was in the US. Once she asked again for it I gave it to her because it seemed like she wasnt going to do the wire without it. I noticed the receipt that was sent to me didn't show the bank that I gave and I found out the banker sent the wire internationally without an IBAN instead. The funds never reached the recipient. TD bank has not found my wire and its been close to 4 weeks. The banker did my wire incorrectly by sending the funds to a US domestic bank on an International wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to get a modification and have submitted all of my documents 2 weeks ago but it still shows that I need to submit documents and does n't seem like anything is moving. When I call they keep telling me 7 days or 15 days etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an account with XXXX XXXX for a XXXX phone. The web portal for this website is deceptive in that after you set up automatic recurring payments to pay the minimum balance due, the company takes a payment of the entire balance. I was supposed to pay the minimum amount of {$33.00} in XX/XX/XXXX, but the recurring payments took the full balance of {$630.00}. I noticed this incorrect amount in XXXX and called in for a refund check and adjustment. They processed the adjustment on my account and added back the credit of {$600.00} to my balance on XX/XX/XXXX but never sent the check. Synchrony said they sent the check but it was never received. Over the course of the next two months I had to call in over 20 times to speak with multiple representatives to get the check sent. Every single time I spoke with a representative, they said the check was on its way and it had been shipped. I finally got ahold of a manager in late XXXX who said that nothing had been sent and that they would reprocess the check to be sent. Finally, around XX/XX/XXXX, I received the refund check and thought everything was fine. Only to login a month later and see that they added another credit of {$600.00} to my balance. So now, XX/XX/XXXX, my balance is 2 times of what it should be and I have to go through the process of working with their customer service to fix this issue when it shouldnt be an issue to begin with. 
It seem like most of their customer service representatives are poorly trained and are not empowered by the company to provide a positive customer experience. However, I wonder if this is all done on purpose and everything is hard to complete in hopes that their customers will give up and therefore Synchrony will come up on their customers losses. I am a college graduate who speaks XXXX as my native tongue and it was this difficult for me to get this done I can only imagine how difficult this process is for someone who does not speak XXXX as their first language, a segment which, I imagine, makes up a large percentage of Synchronys customer base.

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 2015-03-27
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted you regarding a collection agencies that will not stop trying to collect a medical bill that can not be paid by insurance for not having the copy of the actual bill. All three of the companies are affiliated with XXXX company. XXXX XXXX XXXX. XXXX of the collection agencies have been resolved and removed from my credit reporting. I thank you for looking into this to matter to re solve this complaint, XXXX XXXX XXXX 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 2016-06-20
Company: Commonwealth Financial Systems, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Left voicemail saying they were about to take me to court over a debt from " XXXX '' that is more than 20 years old, plus it would have been discharged in my 2012 bankruptcy filing. When I stated I was aware that they were scammers, representative used abusive language and called me names, then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-10-27
Company: DriveTime
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX I purchased a vehicle from drive time in XXXX tn. The amount financed was XXXX. This includes a warranty I purchased with the vehicle. XX/XX/XXXX I voluntarily repo the vehicle after I was told I could not trade as I was told when I purchased the vehicle. Drive time put a charage of XXXX on my credit. According to the laws of tn in regards to credit reporting by buy here pay here businesses. The business may only report a loss. Since I made 13 consecutive payments of XXXX totaling XXXX and drive time stated that the vehicle sold for XXXX. The refund of the difference off the warranty XXXX out the account. So thE amount on the credit report is invalid and fraudulent while also against the law of fcra and the state of tn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. Hospital visit XXXX XXXX. My employer provides health care at 100 %. My Health Insurance company is XXXX3. XXXX paid the medical billsXXXX. Then, in XX/XX/XXXX a collection agency, XXXX XXXX XXXX, placed a negative item in my credit report stating I had not paid the doctor. 
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency. 
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company. 
8. The item is removed from my credit report. 
9. In XX/XX/XXXX a different collections agency, Commonwealth Financial, places the negative item back in my credit report. 

Commonwealth Financial has this error in a database which they got from XXXX XXXX XXXX, which got it from the accounting firm which went out of business right after we used the doctor and XXXX paid the doctor. 
It seems that there is just a big scam where XXXX accounting firms sells accounts to another agency which further sells it to another firm, when in fact the first company had already been paid by the insurance company. XXXX collections agency scams another agency, which then scams another, when in fact there is no debt to collect as the initial firm received payment years ago. 

My credit score is hammered each time a collections agency buys the account from another XXXX and puts this incorrect item in my credit report. 

I need your help to stop this once and for 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 2016-01-18
Company: Empowerment Ventures, LLC
State: OK
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
There was a debit or XXXX debuted from my rush card on XX/XX/2016 and I did not authorize such a transaction XXXX XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation