BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-22
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
The company- Midland Credit Management continuously opens and closes the account adjusting the amount by {$1.00}. This in turn has been damaging my credit report as it shows accounts opening and closing quickly. I have tried to reach out to the numerous times. They insist it is not their doing. When I talked to the credit bureaus they directed me back to Midland Credit Management as the bureaus insisted that they were unable to do such a thing and they only reflect what information the creditor is giving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: The Receivable Management Services LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was no debt in the first place since I paid the repairman on site and received a paid receipt via email, which I have retained in XX/XX/2022. The requested amount is $ XXXX.Now I am receiving constant mail from a collection company that I owe them the money. I talked with a person from the collection company on XX/XX/2022 and sent him a copy via email of the receipt, however they keep sending collection notices.

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 2020-01-06
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my Apple Card running by XXXX XXXX, to purchase some furnitures at XXXX for a value of {$2100.00}. However, XXXX told me that a carpet valued $ XXXX was out of stock and they have already put a credit on the file for me. However, until today, I never received it. I tried to call XXXX 's customer service for more than 100 times literately and their call was so busy and can never been reached. 

I disputed this $ XXXX with Apple Card and provided them with the document I got from XXXX. However, after two-month investigation, they rejected my case, claiming that they had got some evidence from XXXX. I asked them to provide me with the evidence and apple card promised to mail it to me, however, they were never able to provide me with that. After communication, they rejected to serve me about this case without any specific reason and I did not get any evidence until today. I called them today, but they still claim that the evidence is still not available and they are not clear about the specific reason. They are hurting my right seriously right now with ignorant altitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: GA
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 has an account with XXXX in XX/XX/XXXX and paid the account in full a few months later. The company came back later to indicate I still owed money and when I refused to pay because I had evidence that the bill was paid in full, they reported that I was late to the 3 credit bureaus. To avoid further impact to my credit report I paid the money. 

In XXXX of XXXX, I received a letter and a check from the FTC indicating that According to the FTC 's complaint, XXXX  engaged in numerous deceptive or unfair practices, including : falsely advertising that it would accept payments by credit or debit cards failing to properly and timely credit payments made by check providing deceptive payoff quotes to customers trying to collect more money than the quoted payoff amount and making unauthorized charges to customers ' bank accounts. 

When I reported a dispute to all 3 credit bureaus to have the missing payment information removed from my credit report based on the FTC information I received, but all 3 came back to indicate that XXXX indicated the information is correct, rather than take into consideration the FTC notice which I have file several complaints with multiple agencies about XXXX  practices and the inaccurate information on my credit report. I want the information corrected by all 3 credit reporting agencies because the FTC has proven that XXXX XXXX  practices have impacted my credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
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:
Hello, my name is : XXXX XXXX XXXX I reside at XXXX XXXX XXXX XXXX APT XXXX XXXX FL XXXX. Please remove all other name variations IMMEDIATELY. They are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX WAY XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TN 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 2022-01-26
Company: Experian Information Solutions Inc.
State: TX
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:
All three major credit bureaus were notified via certified mail and online. certified mail ( XX/XX/XXXX ) and online ( XX/XX/XXXX ) via dispute of a collection account that was being reported that was not mine. We have spoken with the original creditor several times. The original account was never validated back in XXXX with a different collection agency and was removed from Experian. It was then sold and added back to my credit reports and we are now disputing again. The new collection agency failed to properly validate this date per the FCRA and Texas Finance Code, the credit agency failed to properly validate this claim. XX/XX/XXXX - they refused to update this claim stating it had been verified. The most recent dispute asked them to validate and provide their method of verification as we know this account can not be verified because we spoke with the original creditor again on XX/XX/XXXX and again they have no record of me never having an account or an account being sent to collections, that I am eligible to apply for an account. The collection agency also stated they were under no obligation to provide any original documentation showing proof this account was not fraudulent and belonged to us and they would only verify to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is to formally advise that Medical Revenue Service has violated several of my consumer rights. Specifically Exhibit A : placing acct # XXXX on my credit reports before 30 days of asking me to verify debt. Exhibit B : failed to Validate my request of Debt and HIPPA authorization after I sent a letter on XX/XX/2021 for Validation. Which is an FDCPA violation and HIPPA violation.. Exhibit C : continuing to report disputed debt to the Credit bureaus, another FCRA violation XXXX Not only did Medical Revenue service ignore my prior requests for validation of debt and HIPPA authorization but continued to report this debt to the credit bureaus after I told them it wasn't my debt, causing damage to my character. As you may be aware " XXXX  by silence '' legally means that Medical Revenue service had a duty to speak but failed to do so therefore, that must mean they agree with me that this debt is false. I will use XXXX in my defense If I need to sue.. And also seek damages from Medical Revenue service if warranted.

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 2017-07-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXXwe refinanced our home with XXXX XXXX XXXX, making bi-weekly payments throughout the years until XX/XX/XXXX. In XX/XX/XXXX we were advised our mortgage was being transferred to Select Portfolio Servicing ( SPS ) with no interruptions or changes to our current agreement with XXXX. However, in XX/XX/XXXX we contacted Select Portfolio Servicing ( SPS ) after noticing a payment had not been deducted from our bank. We were told at that point by SPS no payment was due until XX/XX/XXXX because we had overpaid XXXX. We requested to continue paying our monthly note and the " over payment '' be applied to the principal balance amount. We were told that was n't possible and the amount due in XX/XX/XXXX would be the daily compounded interest plus the monthly amount due, which will be in excess of over {$2000.00}. We have however continued to pay our monthly note only to have the principal balance increasing monthly. We have contacted several agencies to help with this situation only to be told unless we are at risk for foreclosure or behind in our payments we do n't qualify for any assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is the 2nd complaint against Ditech. The 1st complaint was closed, # XXXX. Ditech 's response to my initial complaint indicated four checks were issued to me in the amounts of {$1100.00}, {$500.00}, {$120.00} and {$1700.00}. I was not aware of this until I reviewed the response on cfpd site. I immediately went home to review un-opened mail from Ditech, as I assumed the correspondence was simply confirmation of the electronic payments made from XXXX. I located check amounts, {$500.00} and {$1700.00}, however check amounts {$120.00} and {$1100.00} were never received. These checks needed to be re-issued. I spoke with several Ditech representatives on different occasions about the missing checks and was given conflicting information. At least XXXX different representatives indicated the check will be re-issued checks will take 7-10 business days for me to receive. I spoke to a supervisor, XXXX, from the Florida call center XXXX in early XXXX, she informed me she will investigate and contact me, she never did. I attempted to contact her and spoke with someone else, on XX/XX/XXXX, who stated the checks were re-issued. Since it has been well over 10 days I contacted Ditech again and spoke to several people who did not seem to understand the reason for my call and would transfer me to someone who could not assist me. Finally, I spoke to a manager in the XXXX, AZ office by the name of XXXX XXXX. XXXX stated she could not confirm if the checks were re-issued and will submit a request for checks to be re-issued and will follow up with me in 2 days. I also provided her with ACH information to help expedite payment. At this point I am beyond upset, as I am clearly getting the runaround. I lived in the property for over 16 years and now I am facing foreclosure for what I believe to be a mix up/break down of communication. The representatives I have communicated with since XXXX all have a different skill-set and provided conflicting information. I am in need to the money due to me, as it will help me stay in my home. Now I have a new mortgage service ( XX/XX/XXXX ) and they are not aware of any of this return payment issue with Ditech. In addition, the mortgage servicer mentioned in Ditech 's response is not correct. I am receiving correspondence from a servicer, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-16
Company: EQUIFAX, 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:
Equifax has the responsibility to keep my private information safe and secure. I am appalled that Equifax would allow this to happen. Not only did they allow this to happen but they also acted as criminals when they started to sell off stock before it hit the news.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX telephoned me repeatedly. When I finally answered, their representative told me I owed XXXX XXXX XXXX {$65.00} for a XXXX Credit Account. I do not have such an account, and never had. I settle my XXXX balances with my checking account or linked XXXX debit card. When I asked them to describe the purchases that totaled {$65.00} they could not. I then asked them to submit details in writing, and all I received was a paper " notice '' ( attached ) with the same amount and lack of detail.

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 2022-06-11
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
ALLY Bank froze and closed all of my accounts and denied access to my accounts completely a few days after I received a large pandemic XXXX XXXX  {$10000.00} USD deposit from the Small Business Administration due to the name on the check being my business name " XXXX XXXX  '' and did not match my real name on the bank account, " XXXX XXXX ''. I attempted to resolve the issue by providing my business license and DBA ( doing business as ) but they told me that they had already begun an investigation into my account and that I needed to contact the " US Treasury ''. Nobody at the treasury knew what was going on. I had 3 accounts open with ALLY - a checking account, a savings account, and a joint account with my partner. 

On XX/XX/XXXX ALLY Bank closed all of my accounts and withdrew a " DDA Debit Memo '' which took every last cent out of my bank accounts at the time was totaled at {$4100.00} USD. 

Received a call from ALLY Bank Called Ally on XX/XX/XXXX at XXXXXXXX XXXX XXXX US Time. I returned their call at XXXX XXXX  XXXX US Time and found out about my account being closed and being under investigation for " suspicious activity. '' They provided a link for me to submit identification documents, which I did. I received no response. 

Called ALLY again on XX/XX/XXXX at XXXX XXXX  for an update, they were unable to provide any information on an update but made notes on my account to help their investigations department. 

Called ALLY again on XX/XX/XXXX at XXXX XXXX  for an update, they told me they can no longer help me as my accounts are completely closed and they will not reopen them. 

Called ALLY again on XX/XX/XXXX at XXXX XXXX  and they told me the same thing as before. 

Called ALLY again on XX/XX/XXXX at XXXX XXXX  and they told me that there is nothing more they can do. 

I have almost lost all hope at this point and have been patiently waiting for ALLY Bank to conclude their investigation and send me my money back. I have received no word from them at all, I need my money back.

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 2019-05-17
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had internet service with XXXX and was never notify account was sold to XXXX XXXX. My credit card was originally charged the same amount ( has a different name, and I thought XXXX simply changed name ). The monthly fee started to slowly increased without any notification and I called and cancel service only to be told to contact XXXX. I called XXXX to cancel service and they confirm cancellation.. but said they have to charge me for an extra month even after my service is canceled and switched to another cable company. XXXX  sent my extra month bill to a collection agency and per " Fair Debt Collection Practices Act '' I wrote to the agency twice ( on XX/XX/19 and XX/XX/19 ) and cc XXXX to show proof of my debt. They continue to ignore my request and keep harassing me with debt collection.

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 2020-01-06
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have tried to rectify an issue with Freedom Mortgage on several occasions. I am XXXX XXXX military and frequently travel outside of the US in completion of my duties. I am often difficult to get in contact with and often have a delayed response to inquiries. On XXXX19 I called Freedom Mortgage in response to a letter I received to ensure my account was up to date and there were no issues. During the XXXX19 call I initiated I asked if 1 ) my account was current 2 ) did I owe any monies ( fees, late charges, etc. ) 3 ) why there was an increase to my payment and what was the new payment. The individual on the phone was very helpful, albeit a bit rushed, and assured me there were no issue with my account. They relayed to me that : 1 ) My account was current.

2 ) The difference in the new and old payment amounted to {$46.00}, there were no late fees or additional charges because it fell below the {$50.00} threshold and since I am XXXX XXXX military there would be no further assessed fees. I would also pay the {$46.00} in addition to my scheduled payment in my XXXX19 payment. The individual assured me that was fine. 
3 ) They could not provide an explanation of the approximately {$13.00} per month increase, but they assured me it was common and a minor amount that would fluctuate. I thought this strange and asked them to ensure this was not an ARM loan. They stated it was not and the new payment would be {$1400.00}. I informed him I would make the changes to my direct deposit and that it will take effect on the very next payment of XXXX19. Again, they stated that was fine and there was not a problem. 

Unfortunately, there did appear to be a problem. I was informed through a credit monitoring account there was an issue with my credit rating due to this matter. I immediately called the customer service line and was told, although there were no additional fees and the lapse between old and new payments was under the {$50.00} threshold, I was 'turned in ' and would have to write you in order to rectify the matter. I am hoping this will clear up any misunderstanding and that Freedom Mortgage will make the necessary corrections with the Credit Bureau. Please let me know if there is any additional information I can provide. Thanks.

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 2017-07-23
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX-2017 Not my account Fraud account identity theft

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 2022-01-26
Company: Experian Information Solutions Inc.
State: MO
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:
In XX/XX/2022 I discovered several fraudulent accounts on my Experian, XXXX XXXX XXXX credit profiles. I was notified several times from multiple companies that personal information was hacked/leaked. I have filed a police report with my local authorities and I have also filed a Federal Identity Theft Affidavit along with mass personal information leak documentation.

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 2022-02-19
Company: I.C. System, Inc.
State: OH
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:
On XX/XX/2020, I C SYSTEM added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, I C SYSTEM has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!

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