BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-08
Company: BTH Management
State: CA
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:
Original loan with XXXX. Debt was sold off to XXXX ( A.K.A. Plaza Services at phone # XXXX XXXX ). I called XXXX to request settlement offer to clear debt and XXXX referred me to collections company XXXX who owns the debt now ( verified on my credit report. Representative ( XXXX also stated she is a manager with XXXX and one of the policy makers on no settlement offers ). I requested a settlement offer from XXXX at XXXX and was advised that XXXX ... /Plaza Services is not a debt collector but a debt buyer. I asked if I could get a settlement offer to close the debt out and was told by XXXX they do not offer settlements since they are not a collection agency but they would take the entire amount owed on the account they purchased. I told XXXX my credit report is showing that Plaza ServicesXXXX is the collection agency to contact to resolve the account. XXXX advised me that XXXX/Plaza Services is not a collections business and my account is in a holding status with thousands of other accounts until XXXX gets it assigned to a collection agency. I asked who the collections agency was and XXXX said it has not been determined yet. I asked how can XXXX accept money from me for a full pay out or as XXXX suggested to set up payment arrangements when XXXX is not a collections agency. I asked why would accounts be in a holding status preventing the consumer from closing the account through a settlement. None of XXXX answers were consistent with other agencies. XXXX advised me that I could not speak to anyone above her management level to get a deeper understanding of why the debt could not be resolved through them versus waiting until XXXX removed the account from a holding status. What struck me as odd was XXXX at XXXX was the customer service representative, the office manager and decision maker, and an author or the company policy on no settlement offer. It appears strange that XXXX is doing business as a debt purchaser and is indicated on my credit report as a collection agency and will not negotiate a settlement on a debt they own per their policy. 1. Are their actions legal or within guidelines? 2. Are they splitting hairs to meet their need to make more than their share of money off of consumer debt without oversite? 3. Why can I not settle my debt with a company that owns it? Does this fall under the fair credit act? 
This experience does not appear to be a proper way to handle consumer debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
My score went down tremendously due to suffering identity theft. I have over 50 hard inquiries on my report from someone who was trying to utilize my name and information. I was told by the bureau to submit a complaint. I am desperately seeking help.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of unfair and inaccurate reporting of my consumer credit report by EXPERIAN. From my research and understanding, they are in violation of 15 US Code 1681b - permissable purposes, which states that no credit reporting agency shall report anything on my credit report without my written consent. My written consent was not given so that makes this aggravated identity theft and a violation of my federally protected consumer rights.

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 2015-04-01
Company: DAS ACQUISITION COMPANY, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage broker submitted my application for a loan I would not qualify for, even after being provided full disclosure of my situation. Broker was not aware of mortgage rules and as a result submitted my application for a loan type I would not qualify for, and then did not advise me in a timely manner prior to the financing contingency deadline that underwriting had found issues with the application. As a result, I lost {$1500.00} earnest money. Mortgage broker refused to take responsibility for lack of timely communication, and not understanding the mortgage rules.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2020-03-25
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspected that my identity had been compromised. I have many derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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: 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 is missing that should be on the report

Complaint:
The Company Has Inaccurate Reporting Of Payment History. I've Tried Numerous Times To Dispute This False Information But They've Never Removed It. With Transunion And XXXX It Is Not Showing My Last Payment With The Bank XXXX XXXX XXXX My Last Payment Was In XXXX Of The Year XXXX. Please Either Alter And Correct This False Information On Transunion And XXXX, Or Delete The Account From Reporting On My Credit Report. 


False Information ( s ) Is Being Reported On My Credit File, Please Either Alter The Information And Make It Up To Date, Or Permanently Remove This Item From Further Reporting Incorrect Information ( s ) From My Credit Report. It Will Be Greatly Appreciated.

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 2015-07-07
Company: Debt Recovery Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted this agency more than once and unfortunately they are very rude and have even hung up on me as I tried to communicate that this debt is not mine. They DID admit that my EX-spouse listed me as a " responsible party ''. She has, nor had No Right or Permission to contract any debt on my behalf. This collection, I recently learned about was part of the reason I can not purchase a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Paramount Capital Group, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Paramount Capital Group and XXXX XXXX XXXX are continuing to run a Ponzi scheme against innocent consumers to obtain a commercial driving license, and this time they are lying to the Consumer Financial Protection Bureau. Under a previous complaint ( XXXX ) Paramount Capital Group replied stating they no longer service that fraudulently obtained loan ( XXXX ) through XXXX XXXX XXXX XXXX Like my complaint before I am alerting CFPB that these two entities are running a XXXX  scheme against innocent consumers. This fabricated reply to my complaint further solidifies my position it is a concerted effort by both parties. It is a classic move in a XXXX  scheme, and it must be eradicated to protect future consumers. For this reason, XXXX schemes are extremely unstable and inevitably collapse when there are no more new consumers or when CFPB gets involved. Paramount Capital Group is still using unprofessional gangster collection tactics on me, and they have placed this fraudulent loan on my credit report. They have violated the law and the law must be enforced through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage through Green Tree Servicing and two months ago, I entered in the wrong payment amount and my mortgage payment was short XXXX ( XXXX cents ). Green tree accepted that payment and then I noticed that they attempted to collect my mortgage payment again, for {$1300.00}. The second attempt to collect another mortgage payment did not go through and then I started receiving the phone calls. Green tree called me at least once per day, sometimes two or three times a day demanding full payment ( {$1300.00} ). They threatened everything from reporting me to the credit bureau to raising my rates. They were rude, aggressive and verbally abusive. I asked to speak to a supervisor and was yelled at by the " supervisor '' as well. When I asked to speak to a supervisor, I was told that I had to pay the {$1300.00} first, or that I could not be transferred. Keep in mind that they still had the {$1300.00}. When I told them that I would pay XXXX on the next bill I was told that they " did not accept partial payments ''. I finally found another telephone number and called in only to be sent straight through to the collections department again. This time, they wanted to speak with my bank. I refused to let them, and then they demanded access to my bank statements. Again, I refused. I told them repeatedly that they no longer had permission to call my phone ( cell phone I do not have a home phone ) and that any further correspondence would have to be via mail. This did not stop them. The harassment continued. After XXXX weeks, the calls finally stopped. I paid the extra XXXX on the next bill and I did not have any more trouble until, when this month, I sold the house. 
The closing date was on XX/XX/XXXX. My payment was due on XX/XX/XXXX. I called on Monday, XX/XX/XXXX to make sure the wire transfer went through and, again, was sent straight through to collections and was treated like a criminal and they would not tell me the balance on my escrow account until I made my XX/XX/XXXX payment. Even after explaining to XXXX different employees that the house had closed only Friday, they were rude and kept repeating, " you need to make a payment '', " why do n't you just make a payment '' " i 'm not going to ( transfer you, help you ) until you make a payment ''. 
This company should be closed down for good. I see that they have been fined. This, apparently, did nothing to deter them from illegal collection practices, obviously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was denied for HAMP, XXXX XXXX XXXX Mod and HAMP Tier II. HAMP and XXXX XXXX XXXX mod said I am less than the XXXX % DTI, which I understand that. But the HAMP Tier II I do qualify for. My denial letter states that I was denied for HAMP Tier II for the following : Your client 's modified monthly mortgage payment must be greater than or equal to XXXX % or less than or equal to XXXX % of their gross monthly income. Well, I am at XXXX % DTI which shows that I do qualify for HAMP Tier II. 
I filed an Appeal on the denial letter and the lender stated they would have a response by XXXX/XXXX/2016. My atty nor I have received a response. I called the lender on XXXX/XXXX/2016 and I spoke with XXXX in the XXXX XXXX. She placed me on hold while she contacted Loss Mitigation. XXXX came back to the phone and she stated that the Appeal is still in review and is in the Complaint Department. She stated that Loss Mit does n't know when a decision will be made. 
This is not acceptable. As you can see I clearly qualify for the HAMP Tier II and the lender has taken over 30 days to respond with a decision on the Appeal. Even if I did not qualify for Hamp Tier II, the lender should have some in house modification programs such as Asset streamline mod etc, to assist homeowners with true hardships. 
The lender also indicated on the denial letter that the completed an interior appraisal on the property. The lender DID NOT complete and interior appraisal or an exterior appraisal on the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: PLANET HOME LENDING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company will not remove mortgage insurance, continues to slam my phone with daily collections calls, does not allow payments to be made online if you get behind, and charges a {$10.00} fee to pay by phone.

Company response to consumer: Closed
Consumer complaint received 2015-05-07
Company: National Credit Adjusters, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
they call my place of employment several times a day, they share information they say pertains to me with whoever answers the phone, they ask to speak to my supervisor, they refuse to send me supporting documents of the debt, they say they have but I have never received, I do n't know who they are, they ask me to verify my name, ssn etc. without telling me who they are, they just give their name when I ask for a name, they finally gave me a company name that researched to find it is some type of collection agency, they wont let you talk but talk over you, they say I only want supporting documents to delay payment, they demand immediate payment and offer a settlement but do n't tell you a settlement for what.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I bought a car from XXXX XXXX on XXXX/XXXX/XXXX. The vehicle purchased was a XXXX XXXX XXXX with XXXX miles. I drove the car home and it stalled on me and was hard to restart once I made it back to my residence. Once I got it restarted it drove a bit but was hard to restart once I shut it off and tried to crank it up again. The next day it barely cranked over after numerous attempts it finally caught. I received a call from the lending bank ( Credit Acceptance Corporation ) and they wanted to verify my information before funding the deal. I did not verify my information with them because of the problems I just inherited. So I spoke with the rep for XXXX minute or less on XXXX/XXXX/XXXX. XXXX XXXX called immediately after hanging up with CAC and wanted me to call them back and verify my info and I said I could n't and was told to tell the bank I gave {$3000.00} for a down payment. However, I did no such thing. I gave XXXX XXXX a {$700.00} down payment and was scheduled to make another payment of {$500.00} for a down payment not {$3000.00}. They submitted paperwork to CAC stating I gave {$3000.00} in cash and that is a lie. CAC went through with the verification process without my consent and funded this deal and I have a account open with CAC where I am on the hook for {$18000.00}. This I found out after I took the car back to XXXX XXXX on XXXX/XXXX/XXXX and told them I did not want the car because of the issues I had the first day taking it home. They told they would look at it and fix it but I told them do n't bother I do n't want the car anymore because the deal was not completed ( verified by the bank and I ). XXXX XXXX lied about the down payment I gave, CAC accepted the lie and I am told I am stuck with the product of a fraudulent deal.

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 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In XXXX of 2021 I was receiving unemployment from Massachusetts and it was being loaded onto a Bank of America bank card. There were 3 to 4 weeks that my account was hacked due to them not providing the extra security of a chip. I have just spent 2 hours trying to convey to them that I was one of many people that this happened to, as I was told by the fraud department for Massachusetts Umeployment. The woman I spoke to was a lead investigator on my particular case. They transferred me 3 separate times and each time it got more insulting as if I were the criminal. I should also be compensated according to the judgment against them for freezing my account and not fixing a problem on their end. The put a cheap filter in place instead of the software they were required to use to fix this problem. I did eventually get that {$3000.00} but {$0.00} compensation as it states Im entitled too. The cards they provided were easily hacked and transferred to a checking account # that is associated with scams and cons that are used mostly on the elderly as stated by the MA.PUI FRAUD DEPARTMENT. I have now suffered from because {$3000.00} may not be much to most people but to me it is now a matter of a snowball effect leading to potential homelessness. Thank you for your time. 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 2017-01-27
Company: DISCOVER BANK
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My mother is in a XXXX for years. Put my name on a discover card in the early XXXX. This was incase I had an emergency due to being a single parent. Someone used the discover card. I had no idea that it was still active. Never got any bills etc. A person has been using it ran it up to XXXX of dollars. I have a fraud alert with my bank this is how I found out. Contacted Discover they sent me the old contract from the XXXX and said I should have closed the account. I did realize it was n't and did n't know someone was using it. It killed my credit by XXXX points. Another family member was using the card and I did n't know it. Signing my mothers name. Again she XXXX and has for years she XXXX. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is fraudulently reporting on my consumer report without written consent ( signed contract ). XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize, nor authorized these hard inquiries that TransUnion has recorded in my credit report. 

.XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX .XXXXVETERANS XXXX XXXX ( Finance XXXX XX/XX/XXXX In addition , data sets related to inputting of accounts were not XXXX XXXX  Compliant. 
Payment status data listed is mismatched, compared to other credit

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 2017-10-27
Company: TD BANK US HOLDING COMPANY
State: MA
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 am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following unauthorized and unaware XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD AUTO FINANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: TrueAccord Corp.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received an email on XX/XX/2020 regarding a debt. I sent a response on XX/XX/2020 requesting information about the debt, disputing the debt, and also telling this debt collector not to contact me via email, and to only contact me via usps. Received more emails on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. They have never sent me any of the information I requested in my dispute letter to them and they have continued to ignore my cease and desist request of emailing me. If this collection agency does not cease collection of this debt, I am prepared to pursue other avenues for the repeated email harassment and blatant violation of my written request to only contact me via usps.

Company response to consumer: Closed with explanation