BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I 'm making this complaint against Experian because they are continuing to report these parking tickets and I am including documentation that proves that they are not NOT allowed to report them. I 'm including XXXX articles that support my claim and these tickets MUST be removed immediately as they are illegally reported on my credit file. 

" Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, XXXX fees or fines, XXXX, XXXX, and court fees or fines. '' These are the items that I am disputing : City of XXXX XXXX account # s XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Attached you will find my credit report, dispute letters, identification and supporting documentation. Experian has also stated that they will NOT reinvestigate my claim.

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 2016-05-05
Company: Experian Information Solutions Inc.
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am a U.S. citizen living in XXXX, and as part of a XXXX credit card I maintain ( I closed most of my accounts when moving out of the country, which was likely not a good idea as it might have affected my credit score ) I am able to get a summary report and credit score. I did that about two weeks ago, and realized that ( a ) the score is wildly inaccurate ( I recognize that is not the credit bureau 's part of the problem ) ; and ( b ) there is inaccurate information on the report, suggesting that I am not paying credit cards on time, which is not true. Indeed, it looks as if someone else may have opened a card in my name, since something like XXXX instances of a card paid late are apparently on the report, and I pay my XXXX credit card on time and indeed automatically! 
The real problem is that there is no way to use any of the XXXX credit bureau 's on-line systems without a U.S. address, nor is it possible to use the federal system that 's been set up by the CFPB without a U.S. address ( thank you for setting that up! ), nor is it possible to speak to a live person at any of the XXXX credit bureaus, at least I certainly could n't figure out how to. I sent a letter two weeks ago to Experian, with all details, since Experian had been listed as the source of the inaccurate information. I have yet to hear back, but I have n't given up hope. 
There are XXXX U.S. citizens living abroad ; we pay U.S. taxes ; and yet as far as I know we have no representation in Congress -- so no constituent services people to help. This situation with the credit reports needs to be addressed, since at this point I do n't know if I am a victim of fraud, and I could n't put a fraud alert on my accounts -- without a U.S. address! I 'm certain there are security concerns for sending reports out of the country, but there must be a good way to address that concern without making it impossible for U.S. citizens/taxpayers living abroad to get access to these important records. 

Thank you very much!

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 2016-10-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i wrote to the CRA 'S that there were several bankruptcy cases on my report and that they were not accurate and should verified and removed, they responded with they have been verified i wrote back and asked the method of verification and who they corresponded with, they wrote back we have told you we verified the items and that i should contact the bankruptcy court for more info so i wrote to the court they replied with dear sir we DO NOT REPORT TO THE CREDIT BUREAU AND WE DO NOT SUPPLY social security numbers to any agency, i then wrote back to CRA and sent a copy of the letter and requested that they remove this info as it has not been verified XXXX removed it immediately XXXX AND EXPERIAN both replied we have verified thru a 3rd party who reports public records i wrote back explained to them that i was seeking a attorney to fight this further i explain to them that who ever is reporting to you i have a right to know who they are and that they should be on my report so i can address them properly if they are furnishing information furthermore i did not give them permission to give out my social security number XXXX need to know who they are what is the furnisher information they replied the NORTHERN DISTRICT BANKRUPTCY COURT so i went down to XXXX XXXX XXXX in XXXX Texas and went into court and spoke with a clerk asked if they were a customer of the CRA 'S she said no i also asked her if they verify information when the CRA 'S send those request she said sir we have ABSOLUTELY NO DEALINGS WETHER DIRECTLY OR IN DIRECTLY THE CRA 'S can pull info from companies like XXXX and get this information i bowed her my letter from CRA 'S said that they verified information with your office she said not true we do n't do that and we certainly are not violating any federal laws i will give you a copy of the same form we sent you i asked well can you call them to tell them this she said we ca n't do that and we DONT correspond with them Period here is your letter i then sent this to the CRA 'S for the 4 time and asked they remove this unverified information Experian called me and told me that they were re investigating the case 1 hour later they removed XXXX perfectly good accounts from my report i called and asked why they said they did n't come in under your social i said mam they are credit cards that belong to my father i am authorized user she said thats illegal you need to give me his name i will contact him i said mam you have his information she said he has to verify that he placed you on his cards then we will put you back on i said really even though its illegal she said she had to transfer me to a sup visor that never answered the phone i have did everything they have asked me to DO and they are still violating the law with no fear of any action being taken

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 2016-06-12
Company: U.S. BANCORP
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
By mistake I made a payment to a closed credit card account. The closed account is U.S. Bank account number XXXX XXXX XXXX XXXX. The overpayment was for {$400.00}. U.S. Bank will not refund the overpayment and I have asked 5 times on the phone and twice via a letter. Three ( 3 ) months and no money.

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 2015-07-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
This complaint is regarding a debt of which I XXXX XXXX advised the company PRA Portfolio Recovery Associates LLC. that I would pay a settlement or a portion of the amount owed by my son XXXX XXXX. My son XXXX XXXX gave PRA permissin to speak with me regarding his account. Arrangements were made on XXXX/XXXX/2015 after receiving notification from local law offices that a judgement had been filed against my son however, we never received notification via mail of the judgement from PRA.. In order to to settle the debt which the original amount owed was {$2600.00} however, the settlement I agreed upon was made for total of {$1800.00} a difference of {$800.00} taken off the original balance. The agreement made included giving PRA permission to debit my checking account beginning XXXX/XXXX/2015 in bi weekly in the amount of XXXX to conclude when the total balance of {$1800.00} was paid off. I requested documentation of the settlement agreement with the current settlement balance owed on several occasions XXXX/XXXX/2015 and again on XXXX/XXXX/2015 speaking to several representatives who all told me they would not provide me with a letter outlining the agreement. XXXX representative told me on XXXX/XXXX/2015 that PRA " did not put the current settlement balance on documentation just in case a consumer defaulted on the payment agreement then they could go back and recoup the original amount so they just left the original balance on all documentation. " I requested this documentation be placed in writing based on the companies past track record of unethical businesses practices under the FDCPA including continued collection on debt paid or not owed. Again after spending two hours on the phone I was not able to get the agreement in writing. I called the FTC regarding the issue and thus filed a complaint. I put the company on notice that I was filing a complaint with CFPB and I would be placing this in writing via certified mail that due to their refusal to give me something in writing of the settlement agreement and current balance owed that they were to cease debiting my checking account. I advised that once I received the written notice of the agreement that I would resume payments as agreed. XXXX XXXX should have been notified of any or all legal actions by PRA prior to this company filing judgement thus, giving him an opportunity to clear up the debt however, proper notification was not made to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Harley Davidson Financial Services Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
receive multiple calls daily from Harley Davidson Fin. serv. XXXX a nd three times daily at various hours. This in regards to a 2014 Harley XXXX I 've had the MC for appx 14 mos. I have repeatedly told this co. that I can not afford to pay for it. I also informed this co. several times that I took all insurance off the bike. Harley continues to make calls to me. I said that they could have the MC back for {$1800.00} that I paid to have extra parts put on the bike. I kept my payments on time for over a year. I paid XXXX cash money for a Harley. Now, Harley is threating repo. Due to all these harassing calls, I feel that debt is paid in full and my intent is to file harassment charges against Harley.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I stupidly agreed to pay the amount of {$170.00} a month for 6 months with Portfolio and once had to make payment 3 days after due date. When I called, I was told that my agreement was now null and void and had to pay FULL amount throughout XXXX. I asked for Debt verification letter and company still tried to charge me the {$170.00} which caused my bank account to overdraft. I called company and was told to speak to the legal department, which I did. The woman told me to email her supervisor with proof of overdraft and they would reimburse me. I did XXXX times and still have yet to hear anything or receive and reimbursement. I have not received debt verification letter either. I believe this company is committing fraud and until proven otherwise will continue to fight for my hard earned money. I am a victim of identity theft due to being a federal employee so I have no idea what these hackers had access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery is calling my house at all hours of the day/night. I do not owe a debt to anyone. I have told numerous representatives on numerous times that they have the wrong phone number. I chatted with a representative online who said my phone number would be removed from the list. They called me again, at XXXX tonight, XXXX days later. They are harassing me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: DISCOVER BANK
State: OR
Product: Credit card
Issue: Rewards

Complaint:
I got a new discover card because they had the promotion of 10 % back for upto XXXX payed with XXXX pay. There should have been an other 10 % cash back after 13 months. There was no limitation like gift cards, or need to have recipes or share purchase itemized data with discover. but now Discover do not awarded any bonuses for transactions they subjected to have gift cards included. So the process is to flag bigger dollar amount transactions and make the customer provide the information if he wants the cash back bonus. SO at a nut shell Discover changed the therms retroactivly. Discover has no level XXXX data so now they want recipes for purchase made XXXX so i guess discover does not care about privacy laws neither ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XX/XX/XXXX I filed a Chapter XXXX XXXX Bankruptcy. I completed the plan and in XX/XX/XXXX it was discharged. Seven years have passed since I filed the Chapter XXXX XXXX Bankruptcy which is the statute of limitations for reporting a Chapter XXXX XXXX Bankruptcy as public record. I have repeatedly asked Equifax to remove this information from my credit report. They have reported to me and the CFPB repeatedly that they have, yet as the attached document shows they continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed debt that is not mine with Equifax. It 's currently not being reported or has come back verified with any of the other XXXX credit reporting agencies. I 've asked Equifax to provide me with the verification that they are receiving from the company XXXX XXXX XXXX and they refuse to honor my request. 

they have replied by saying Equifax has reviewed the complaint and its records. We show that you have previously disputed the same items listed on this complaint and Equifax has verified the information three times within the past 90 days as being accurately reporting in accordance with the FCRA. XXXX XXXX XXXX account 2000 has been verified by the data furnisher with the same name and former address as reporting on the credit file. Equifax is unable to take further action on the items that you have listed on this complaint. 

I 'm asking that Equifax provide me with the former address that they are alleging is being verified by this company. So far this debt has been deleted from all CRA 's except Equifax who are now refusing to dispute this incorrect reporting on my file. 

I 'm including my id which has my address and has been for the past 10 years. I 'm also including a copy of my current credit file which shows my current and former addresses being reported. Please Equifax provide me the proof that this company is validating this account by also showing me the former address you are stating that is verifying

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I 've submitted XXXX disputes and the continue to come back stating the XXXX inquiry is factual when it is not. I 've been in contact with their Escalation team to have it removed and I was advised their Equifax Rep is not responding. I believe Equifax is not even contacting to XXXX to verify any data otherwise they will be notified that it was done without my consent from one of their XXXX XXXX Rep without my SSN. I 'm even sure how they were able to run my credit but there is an inquiry from XXXX/XXXX/16 that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX : XXXX XXXX. TX XXXXEquifaxXXXX. XXXX XXXX, GA XXXX. XXXX. XXXX XXXX, PA XXXX XXXX, XXXX : XXXX XXXX REQUEST FOR PROOF OF CLAIMAccount # XXXX *You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Texas Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Lastly, I would like to dispute ( AGIAN ) XXXX XXXX XXXX XXXX XXXX for the matter of {$420.00}, Original Creditor XXXX XXXX Bank XXXX, XXXX. This account was removed from my credit report back in XXXX by XXXX XXXX and yet it is STILL updated as late as XXXX to my credit report. Please correctly update you credit files and delete this account, finally, from my credit report. It was deleted and can not be reporting to my name any longer. The debt was settled for deletion. I would like this removed immediately, because I have disputed this account 2 times since XXXX and NOTHING has been done to correctly remove it from my name yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ditech/GreenTree loan # XXXX XXXX XXXX, XXXX XXXX CA XXXXShort Sale was started with Ditech/GreenTree XX/XX/2015. 

XX/XX/XXXX we received a counter XXXXXX/XX/2015 we called Ditech/GreenTree to get a copy of the BPO. Their phone system hung up on us. Sent and email to the negotiator instead ( see notes ) XX/XX/XXXX we were tol the borrower had to call customer service to get a copy of the valuation in writing. 

XX/XX/2015 the borrower has called multiple times and left many voicemails. No one at Ditech/GreenTree will call him back. 
***ECOA ViolationXX/XX/2015 we sent a new offer package to Ditech/GreenTree via fax - the same fax number they have been using for several years, and throughout their change to 'Ditech'XX/XX/2015 Ditech/GreenTree told us to refax the offer package a to different fax number - XXXXXX/XX/2015 we spoke with " XXXX ''. XXXX said they still did n't have the docs we have already faxed twice. When we asked for a correct fax number, he laughed at us and said he did n't care that we had to keep refaxing the docs. He gave us yet another ( third ) fax number for the documents. They have been refaxed - this is the THIRD time they have been faxed to Ditech/GreenTree. 

We fully expect Ditech/GreenTree ( whatever they are calling themselves this week ) to tell the CFPB that we are lying. We know the CFPB has received LOTS of these same type of complaints. And I bet Ditech/GreenTree says the same exact thing every time. 

The simple facts are these:1. Ditech/GreenTree refuses to follow ECOA Guidelines regarding giving the borrower a copy of the value done in the decisioning process of their loan. 
2. Ditech/GreenTree is OBSTRUCTIVE in the short sale process. 
3. Ditech/GreenTree purposely defrauds their clients and their representatives. 

***When is Ditech/GreenTree going to be shut down and put in jail??? If I were to behave this way I would be FIRED, PROSECUTED, AND SENT TO JAIL!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
debt collector from XXXX called my brothers home trying to collect a debt.they called him several times and where forced to give them our number, funny thing is in the last ten years we never reseaved a letter or call from them asking for payment.they have our old address and our new address, but they do n't have our number which we have had since 1997.when they called they refused to tell us who we owed this money XXXX said it was from a debt collector but would never answer the question of who we owed it to.they expected us to just on faith pay the amount.after a long talk he finally said it was from capital bank.we had an account with capital and have paid them off but he said it was from a different account but would not give details.I told him harassing my family for our info was not called for and why did they never send us anything in the mail or call us.no answer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am going back to my case initially applied with CFPB on XXXX/XXXX/2016. My complaint was that Seterus Inc. has been messing with my account for two years now, and they do not own up nor feel they are responsible for these mistakes where I can loose my home because of their negligence. Seterus responded to this complaint they made no mistake in paying for my County Taxes from my escrow, when in reality they did. Last year was my home Insurance and this year was my County taxes. They also confirmed in their response to you that I will not be responsible for the penalty fees incurred for paying late ( 2 months later after I called to find out why they have not made said payment. ) and as you can see by the attached letter I received yesterday XXXX XXXX, my escrow has increased and I am responsible. 

Neither my taxes nor my home insurance has increased in 2016, on the contrary my taxes were decreased in 2016, how does Seterus determine to increase my escrow, and that my escrow has a deficient.?

Company response to consumer: Closed with explanation