BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$390.00} ) violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2016-03-31
Company: First Recovery Solutions, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being solicited for payment of a loan taken out online as of XXXX/XXXX/2011 per the Debt Collector First Recovery Remediation. I did not take any loans from online. I have requested information on said debt and they stated they have sent me information. I have not received any information on this. And, I continue to reiterate this is not my debt. I do not know what to do and they state they will take legal action.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-15
Company: First Recovery Solutions, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Caller stating co name as First Recovery called abd left msgs with my family member. I called the number back using case # XXXX provided by msg. Their number which did not state a company name XXXX. They said I had XXXX cases out on me, said i would be arrested at my job. They claim it was for an outstanding payday loan that I know nothing of. That asked me to verify my ss #. They claimed they wouls send the police to my jon. I asked for company unfo. They hung up on me. I called back for a fax number and was given XXXX. I said i wanted to send simething in wtiting to not call mt family or job to send info by mail. They hung up in me and continue to call.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-01
Company: Collection Management Services, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I responded to a letter they sent me regarding an indebtedness, With an explanation of my situation with also a payment towards the debt, In that letter I clearly stated to stop all phone calls. They are continuing to call on both my cell as well as another number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-25
Company: PMT Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PMT Solutions is an unethical, very unprofessional organization. I called to find out why they were sending me bills that were grossly inflated -with predatory feeds attached. Also, they said lost my letter to them asking them to send me a fair bill -minus the predatory fees. Further, I sent a {$15.00} money order and said apply this to any basic fees or charges that I may owe-but, again, my having been in the hospital with an overnight stay due to a XXXX-I was concerned with this bill and called to understand and resolve it as soon as I got out of the hospital and recovered. I asked why I had these excessive charges ; and, why am I still getting charges-even after I called to pay and resolve it and asked for line by line -item by item research. 

Worse, PMT lost the {$15.00} money order that I sent in good faith with the letter requesting the exorbatant fees be removed! They actually lost the money order -did not offer to research and follow-up and hung up on me 3 times when I attempted to call back to ask for a manager to assist with resolutions. I was sent back and forth between XXXX companies and finally I became aware that PMT solutions has the ability to remove the excessive and predatory fees so that I can pay the base charges-fair and square. They simply refuse to be fair or ethical. For example on a charge that is {$21.00} a {$35.00} fee was added. This was done repeatedly even for charges under $ 7- a {$35.00} fee was added. This is by far predatory and unethical. They are unprofessional, rude and it is impossible to get fair resolve. I am certain that other consumers are being treated the same or worse. Please firmly address and stop them/this.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-12
Company: Omega RMS, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for housing to relocate with my mother who is XXXX. We were denied based on a debt listed on my account that is not mine. My report lists the following : The Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Original Creditor XXXX Stores Online {$3900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Focused Recovery Solutions, Inc.
State: WV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
putting on collection a my credit report that 's not mine Talked to them on XX/XX/2016 say that they could n't find me in their files, I told them that they did n't have trouble finding me put on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been dealing with Ditech mortgage company for 3 months. My house flooded and my flood insurance handled their report in a timely manner. Ever conversation I have had with a person from Ditech gives me a different story on how my I can get my funds in order to repair my house. It got to the point that I have used my own money, out of pocket, to repair my home. An adjuster was sent out to my house on XX/XX/2016 and emailed to Ditech confirming that my house is 100 % complete. I faxed in the final information they needed ( XXXX form ) 3 days ago. They have received this fax but tell me it will take them another 7-10 business days ( which has turned into 15 or more days in each past experience ) to overnight my check, which I am paying for them to do. I have never dealt with more incompetent, rude, and nonproductive people in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Internal Check Systems, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received call from unknown number stating they were going to serve me and had a warrant out for me. He said that he was from the XXXX County Courts and to call XXXX for more information. I called this number and it was to Internal Check Systems. I was told they were calling regarding a payday loan for XXXX XXXX XXXX. I advised him that this sounds like a scam since there XXXX for this company had a scam alert. XXXX yelled obscenities at me and hung up. 
I called back and asked for the manager. I was transferred to a XXXX XXXX who told me he was the owner. I asked him if he was a debt collector, why he did he not send me anything through the mail. He advised me that he did a month ago, but would not say what date. I advised him I never got anything in the mail and that this is the first they have called. I asked for him to mail this to me but he refused and said that they would sue me and go to my work or home. I told them I have paid this in full. He told me he would only give me till Monday to send him my response.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have two accounts linked with the same account number on my credit report. Its unauthorized

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 2017-04-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, I XX/XX/XXXX I attempted to open a checking account with HSBC, they had a {$350.00} bonus promotion running for opening new checking accounts. I finally received my account on XX/XX/XXXX. The requirement for the promotion was to pay 2 bills per month, for 3 consecutive months, within 120 days of opening the account. I made 2 bills pays on XX/XX/XXXX, 2 on XX/XX/XXXX and 2 on XX/XX/XXXX, thus meeting the requirements. I called in today to ask when I would be receiving the bonus and was told that I was not eligible for the bonus because I did not meet requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Prior to the start of my loan repayment period I began to research repayment options knowing that I was not making enough money to repay my loans at the price it was stated for. Navient platforms themselves on their " plentiful repayment options '' to help to ease the process of student loans. Their website rather than provide facts suggests a phone call to the company. I called navient in XXXX 2016 to discuss my options. I was told that there was no discussion to be had about repayment options until after I became delinquent on payments. The representative then proceeded to imply that the only thing to fix the problem was to not pay the first repayment fee. Once I became delinquent I called the company again to discuss repayment options. I had been charged a late-fee. I was then asked to give my income/expenses and my co-signers income/expenses. I explained that my co-signer signed with the intention that I would be the XXXX repaying the loan as I was able to. Once the information was collected the representative told me that they were sorry that there is nothing that I could do and that I would have to come up with the payments or that they would begin to bill my co-signer ( who is retired ). I called the same representative back with my mother, who persist that we come up with some sort of option came up empty handed. When she asked to speak to his manager he said " Ma'am, our manager has directed us not to direct calls with this concern to her ''. For the past seven months I have made the payments with the assistance of my parents ( who are unable to assist and are not the co-signers ). I am at a loss of words for the lack of customer service and options available to young adults like myself that are trying to survive in an ever-evolving world that requires such expenses to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We recently sent Di-Tech Mortgage company over XXXX dollars.They are coming by our house and constantly harassing us.They have even stooped so low to tel the young gentlemen that cuts our grass that we owe them money.We pay every month and they constantly state that we are late. 
what do I need to do to bring charges against this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Midwest Recovery Systems
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I XXXX makes a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " Debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from Midwest Recovery Systems does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX ( XX/XX/2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that XXXX obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by Midwest Recovery Systems and XXXX, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: National Recoveries, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I hired an attorney ( XXXX XXXX XXXX XXXX XXXX to prepare and submit a rehabilitation agreement on my government backed student loans. National Recovery Inc., is the collection agent for some of those student loans. XXXX XXXX submitted my rehabilitation paperwork along with my XXXX tax return in XXXX, XXXX. XXXX XXXX had confirmation National Recovery received these documents. In XXXX, XXXX. XXXX XXXX personally spoke with a representative from National Recovery , Inc. They admitted they had the paperwork, the admitted they were unsure of what was holding up the process, but promised XXXX XXXX they we would have the documents within the week. It has been more then two months since we submitted the paperwork and National Recovery , Inc. has made NO ATTEMPTS to honor the application. I believe they are doing this so they can affect my XXXX tax return. Thus, I believe they are intentional and malicious ignoring the federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Integrated Recovery Services
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A recorded message calls me employer looking for me and giving the number XXXX stating to call immediately. I have called and stated that I am not allowed to receive calls at work however, they continue to do so. I have asked that they send a letter of debt validation and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
During the refinance process in switching from Wells Fargo to XXXX the lien release was not properly submitted or recorded by XXXX County, PA. We are just now finding out that the satisfaction from Wells Fargo for their mortgage in the amount of {$160000.00} consummated in XX/XX/2004 ( and that is the satisfaction that is missing from the Pennsylvania database ) was never completed. I am trying to re-finance my house through XXXX and am unable to do so as their is a lien on the property. I have never received any sort of documentation over the past 13 years regarding this loan and as anyone would, I assumed that Wells Fargo completed all of the required documents. 
Additionally, I am a little surprised that the the XX/XX/2004 mortgage was recorded ( generally the lien placement would be rejected based on there already being a recorded lien on the property. That said, the proceeds from the XXXX company transaction must have arrived to Wells Fargo, the lien was just not properly released ( otherwise you would have heard about this way before now ).

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item need to be deleted.

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 2016-11-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There were XXXX items that still appear on my credit reports after receiving confirmation that they were deleted. I received confirmation that these items have been deleted as well and they still are appearing inaccurately on my report. It is also a violation of the FCRA to re insert items previously deleted without notifying me within 5 days of its reinsertion. I demand that these items be deleted before proceeding. 

I have attached the deletions record from you as well as my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
HELOC loan with a monthly payment of {$250.00} has maturity and Bank of America is wanting to convert to a 15 year payout with a monthly payment of XXXX, does not include my insurance or taxes. My fixed monthly income is {$1900.00}. I was offered a modification for 40 years payment XXXX which would be manageable. I was denied and now they want me to do a short sale or they will foreclose.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This was paid same month due!!!!! Never received info from doctor 's billing correction. This was submitted one year ago as to their error! Please correct this inaccuracy immediately!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation