BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: Bliksum, LLC
State: CA
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: Was not notified of investigation status or results

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Credit Karma, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT HAS BEEN ERASED ON THE XXXX WEBSITE, BUT NOT ON MY CREDIT KARMA XXXX, WHICH THAT DEBT SHOULD BE REMOVED, AND DELETED. THIS IS THE DEBT I STILL SEE ON MY CREDIT KARMA CREDIT REPORT. 


Derogatory marks XXXX XXXX collections / XXXX XXXX XXXX XXXX Rating High Impact Learn more about ratings Based on your credit report information from XXXX on XX/XX/2023. 
We noticed negative marks on your report Derogatory marks generally stay on your report for XXXX years, but their effects can start to fade over time. 
Karma Pro Tip The federal Consumer Financial Protection Bureau has excellent resources for dealing with debt collection. 
Collections XXXX XXXX XXXX Opened XXXX {$450.00} If you have a collection Since debt collectors need to have proof that their info is accurate, you should dispute a collection if anythings off. 
Know your rights debt collectors cant keep calling you.

See if its worth negotiating your debt. If its old, you might just wait for it to fall off.

If you have a public record Public records like bankruptcies, civil judgements, and tax liens are harder to remove.

If any info is wrong, get documentation and court records to build your case.

Dispute with the credit bureaus to remove the public record.

View another credit factor On-time payment history 100 % Credit card use N/A Credit age XXXX yrs, XXXX mos XXXX accounts XXXX XXXX inquiries XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not recall having this account or being associated with this company ever! The monthly payment, credit limit, and terms are missing from the report. I have disputed this account multiple times but it's still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I paid the Property taxes Loancare had illegally paid without my consent on XX/XX/XXXX, in attempting to change the terms of my loan and force place me into impound/escrow for taxes. The County Treasurer sent the same amount to Loancare the same day, XX/XX/XXXX-Loancare held the payment and would not credit my account until XX/XX/XXXX. 

On XX/XX/XXXX, I retained an attorney to resolve continued illegal attacks on my sovereignty by Loancare. 

By XXXX/XXXX/XXXX, I was forced to mail my regular payment of a cashiers check via tracked USPS, since I was prevented from using the Loancare website or pay by phone to make my regular payment as due, I was locked out. 

Loancare received this payment XX/XX/XXXX, but did not credit it to my account until the next day XX/XX/XXXX. Loancare has previously delayed credit of my payment on other occasions, pretended I paid late and charged a late fee. 

By XX/XX/XXXX, the matter was considered resolved by my attorney. Loancare appeared to have the fixed most account errors, reversed late charges, located the tax refund from the XXXX County Treasurer and credited my account and refunded a small amount belonging to me after the corrections were made. The account detail on the Loancare website also reflected the credit of my XX/XX/XXXX payment ; but the website erroneously indicated a next payment due XXXX-the next payment is due XX/XX/XXXX. Another mistake already. Then, a late charge on XX/XX/XXXX. 

As of today, XX/XX/XXXX, the online account screen now indicates an unpaid late charge. This is not accurate, I am up to date. 

Loancare continues making mistakes, erroneous charges, delaying posting my payment and pretending I am in default, even as the issues are being resolved by an attorney at my expense.

All the while, Loancare continues to send embarrassing letters stating I am behind on payments and threating foreclosure. And Loancare Loss Mitigation continues to call me several times each week. There is no reason for Loancare to call me. This is disruptive. 

When I returned Loancare 's call today, XX/XX/XXXX, I was verified through the automated system. XXXX, who answered, would not transfer me to a supervisor or answer my questions of why they were calling me, so I informed her I would file a complaint. 

Loancare continues to attack me by changing the terms of my loan, attempting to charge me late fees, trying to deceive me into believing I am in foreclosure and fraudulently reporting late mortgage payments to credit bureaus. 

These acts by Loancare are injurious and costly.

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 2023-06-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted my bank and informed them about transactions that needed to be charged back as the services were not rendered. The bank refused to handle the problem and in fact gave me the run around and several reps hung up on me. I even provided evidence and the bank did not care.

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 2021-09-30
Company: Possible Financial Inc
State: CA
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: Was not notified of investigation status or results

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no outstanding debts owed reflected in my credit report. Yet I am getting repeated voicemails left at my work phone number. I have recordings of the message available, as I am now work from home due to the pandemic, and all voicemail messages are emailed to me. 

The most recent voicemail was XX/XX/21, and they leave messages 2-3 times a week. 

Transcription of the message left is " We have an important message from South West credit systems. This is a call from a debt collector. Please call XXXX at your earliest convenience. "

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My FHA Mortgage forbearance expired XX/XX/2021. I contacted my mortgage servicing company Community Loan Servicing LLC to find out next steps i.e. what option is best for me going forward. They told me that because I had arrears prior to the mortgage forbearance that I did not qualify for the various FHA Mortgage Covid-19 options which would best help me. 
The only options they presented were ; 1. Pay the lump sum of all mortgage arrears this includes the portion currently being paid in bankruptcy 2. A hardship modification which they have denied in the past. My financial circumstances are worse now due to my lay-off during the pandemic. Their past denial of a mortgage modification is why I went into bankruptcy to prevent a foreclosure. Now Community Loan Serving is also saying that they will likely deny any new hardship modification again and start foreclosure procedures again. During the mortgage forbearance period payments were made by the Bankruptcy Trustee to the mortgage loan. As a result of these payment by the trustee the actual arrears portion of my mortgage loan has gone down. I dont know how this effects the current actions of Community Loan Servicing. They have refused to accept a normal mortgage payments from me at this time. 
Based on my conversation with Community Loan Servicing they said my only options are the 2 noted above. This is not what I was told when I requested the mortgage forbearance. The mortgage forbearance has made my situation worse instead of better because I was given inaccurate and incomplete information by Community Loan Servicing. They are using the mortgage forbearance to force people into foreclosure instead to helping home owners stay in their homes. At no time when I requested a COVID-19 forbearance was I told that Community Loan Servicing could refuse to do any of the options offered by the FHA.

In reviewing the Community Loan Servicing LLC website they never mentioned that persons who currently have arrears can not take advantage of various FHA assistance options due to Covid-19.

Below are 2 FHA websites and at no point does the FHA on its website mention that persons already in arrears can not take advantage of other FHA payment options at the end of the mortgage forbearance period. 

https : XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint against Linebarger Goggan Blair & Sampson, a debt collection law firm. Despite my written request, sent via certified mail on XXXX XXXX, the aforementioned law firm failed to validate an alleged debt in accordance with 15 USC 1692. Furthermore, they neglected to respond under penalty of perjury via an affidavit as demmended, nor did they send me a true bill per ( 12 USC 1431 ). Additionally, Linebarger Goggan Blair & Sampson knowingly and willingly disregarded all the demands outlined in my written correspondence.

I have provided a detailed account of the events leading to this complaint : On XXXX XXXX, I sent a certified mail letter to Linebarger Goggan Blair & Sampson, requesting that they validate the alleged debt in accordance with 15 USC 1692. This request included specific information about the debt, such as how they aquired it, the license to collect, and any supporting documentation.

In the same letter, I demanded that Linebarger Goggan Blair & Sampson respond under penalty of perjury via an affidavit executed and sent to a notary public. 
Despite being provided with a reasonable period of time to respond, Linebarger Goggan Blair & Sampson failed to provide any true contractual validation of the alleged debt or submit the requested affidavit. They ignored all the demands outlined in my correspondence including {$1000.00} payment in the abscence of a true bill. 
Given the law firm 's flagrant disregard for the requirements of the Fair Debt Collection Practices Act ( FDCPA ), as well as their failure to adhere to the specific requests made in my written communication, I believe their actions constitute a violation of consumer rights and I am due remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: MS
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$4900.00}

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 non-monetary relief
Consumer complaint received 2021-05-04
Company: Diverse Funding Associates LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has post 5 collection accounts to my credit report and I have not received any written notice or correspondence, which violents my right and timeframe allowed to dispute validity of the debt in question.

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 2023-08-22
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:
On XX/XX/XXXX, I submitted a dispute for an inaccurate account furnished with Experian from the company XXXX XXXX and it came back updated the same day with no changes made. Experian opened the dispute on XX/XX/XXXX, and then it reported back the same day XX/XX/XXXX " Updated ''. I disputed the fact that the account has been closed since XXXX of XXXX, but the account was still reporting activity every month up until currently. From my understanding once an account is closed that should be it, but if the creditor is still furnishing information on the account on a monthly basis wouldn't that be considered re-aging or even fraud? For the most part the account balance is reporting incorrectly. The Fair Credit Reporting Act stated in 15 USC 1681e ( B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The only thing Experian has done was falsely " update '' the account. Nothing changed.

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 2022-12-30
Company: GOLDMAN SACHS BANK USA
State: AZ
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 have disputed a transaction now 3 times with plenty of evidence showing that the merchant was not doing the work requested. They have denied it twice now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-06
Company: SERVICEMAC, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My wife work position was eliminated due to covid XX/XX/XXXX. We requested and were granted mortgage forbearance under VA disaster relief fund. My wife was re-employed XX/XX/XXXX. We notified ServiceMac that we could continue our mortgage payments. 

XX/XX/XXXX we were notified by ServiceMac that they wanted to work with us to modify our mortgage and help make payments more affordable. XX/XX/XXXX we accepted their offer. A requirement of their offer was that we make three ( 3 ) trial payments over the following 90 days, that requirement was met. 

XX/XX/XXXX we submitted notarized application for loan modification while continuing to make first of month payments over the phone. We were told at that time it should take about 30-45 days to complete this process and would remove forbearance. 

XX/XX/XXXX we were informed that our paperwork was misplaced internally. On XX/XX/XXXX we received notice of Fully Executed Loan Modification Agreement. 

As of this writing, XX/XX/XXXX, our Fully Executed Loan Modification is not recorded. Our account at ServiceMac still indicates " Loan in Forbearance '' When we applied to refinance we were told that our account is still in Forbearance " no update of status ''. We continue to make phone payments at the first of each month per instruction. After repeated inquiries we have been given no information as to expected time for recording of our Loan Modification Agreement. 

This process has gone on for over a year now I can not express the amount of frustration and anxiety this has caused us. We have been prompt in suppling information or paperwork and met every requirement requested of us and continue to be put on hold with no end in sight. Due to this delay we can not sell or refinance our home and have no ability to secure any type of financial transaction.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-30
Company: Experian Information Solutions Inc.
State: SC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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