BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-23
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Not Owed - No Response even after 30 days of Direct Dispute letter to XXXX XXXX. 

XX/XX/XXXX - Sent a " Direct Dispute '' letter via certified mail to Columbia Debt Recovery LLC dba Genesis. Highlighted that debt validation contains debt from XX/XX/XXXX whereas lease end date was XX/XX/XXXX. Provided following evidence documents. 

XXXX. Signed lease document showing lease ending on XX/XX/XXXX. 
XXXX. Bank statement showing all dues paid through XX/XX/XXXX. 

Direct Dispute letter with evidence sent XX/XX/XXXX. 

No response as of XX/XX/XXXX. 

Past 30 days as legally required. 

Requires immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I recently found out that my mortgage company reported that I was delinquent on my mortgage payments. This is not true and an unfair reporting as a new customer. I never asked for XXXX XXXX to buy out my loan and they have had zero communications with me about any changes in due dates and such. They only sent me a letter stating they had purchased my loan. After setting up my initial account, I continued on, assuming that the due date ( XXXX of each month ) would stay the same as it was with my previous company. I have never had any issues with late payments in the past ( ever ) and my report proves this. I have only had issues with XXXX XXXX After months of issues and late fees, I was curious as to what was going on. I contacted them, speaking with someone about the issues. I was told the due date was the 1st of each month. My ( previous ) normal due date the ( XXXX ) was now the ( 1st ), which made it show I was late. Auto pay will not pick up on this change, Thus showing I was late far later than I would have been with my last company ( XXXX Mortgage ). I spoke to someone about the due date, I was denied a request to have it changed. I contacted XXXX about this and requested an official review from the website. Spoke with someone about expediting the process to have it removed from my credit report and my response was it will take about a month for a response. This has already affected my personal credit report which WAS outstanding. My score has dropped XXXX points, all because of communication issues with XXXX. Keep in mind this is from a single payment, not a delinquent account months behind. Very unfair...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Acra Intermediate Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB Team, I have a mortgage with Citadel Servicing Corporation.

Due to the Coronavirus lockdown, we were forced to apply for forbearance which Citadel approved from XX/XX/2020 until XX/XX/2020. 
We then agreed on a payback plan which we honored and made full payments every month according to the contract we signed. 
However, there was a change in servicing within Citadel and due to that internal change, our new mortgage statements did not reflect the payment amount that was agreed upon in our payback contract.

We contacted Citadel and they told us that they were not aware of any payback contract or agreement and that no such notes were recorded in their system. 
We were advised to only send in the new lower payment that was shown on the monthly mortgage statements which we did every month on time.

Besides the fact that Citadel incorrectly reported us to the credit agency as delinquent, they had no idea that we had an existing legal payback contract. Therefore, I emailed Citadel a copy of the signed payback contract and advised them to remove any negative reporting on our credit. 
As per their suggestion, we applied for a new loss mitigation package. Meanwhile, they told us that they would honor the payback contract but only if we could pay the difference of the new lower payment to the higher repayment plan for the multiple months they did not bill us correctly. Due to our financial situation we were unable to do so and sent in our loss mitigation application. 
Today we received a letter that states that we have 30 days to pay off {$50000.00}. 
This is absolutely ridiculous and unethical. This complete mess was NOT caused by us but by Citadel due to the change in their servicing operation. 
None of this should be to our disadvantage since we kept our part of the agreement and were clearly harmed by Citadels sloppy payment department that did not know that we had a signed repayment contract. 
Please help us resolve this matter and start our new repayment agreement from this month on. 
Thank you very much. 
With best wishes, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX - Landlord set up my account with XXXX XXXX without my knowledge, only mentioned I needed to have electricity set up to move in. 
XX/XX/XXXX - Utilities were disconnected without notice. Spoken with a XXXX XXXX supervisor over the phone that because I did not set up the account, they would close the account and I do not owe anything. 
XX/XX/XXXX - Debt collection company Convergent Outsourcing called that I owe {$66.00} debt to XXXX XXXX. I tried to verify the debt but they were unable to do so. Due to constant harassment, I called up XXXX XXXX to pay the {$66.00} but they were unable to offer a receipt, although I have it recorded on my bank statement posted on XX/XX/XXXX. 
XX/XX/XXXX - Same debt collection company called again that I owe {$330.00} this time. I called up XXXX XXXX but they are still trying to charge me for that account and sent the amount to debt collection behind my back, despite what the supervisor said on the phone on XX/XX/XXXX. 

Ridiculously petty and deceptively company XXXX XXXX and unprofessional debt collection Convergent Outsourcing always unable to verify any form of debt and constantly harassing me through phone calls even when I asked for them to stop. I do not want to make another payment again because it seems the utility company just kept asking for more by sending larger and larger amounts to a shady debt collection company.

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 2022-11-03
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
While I was XXXX overseas, a charge was made in XXXX to pay for XXXX charges using my AMEX XXXX card. The total amount was {$20.00}. I did not receive this notification until a couple months later because I did not have access to any internet at this period of time during my XXXX. Due to this delay in connectivity, a 30 and a 60 day penalty fee wound up appearing on my account for this charge. When I returned from this XXXX, I contacted AMEX on XXXX XXXX, XXXX to file a fraud claim for this charge and I explained to the team that I was no where near the location of this charge during the entirety of my time overseas ; therefore it was impossible for me to make these charges. On XXXX XXXX my first fraud claim was opened and ultimately resolved in my favor. I waited 30 days to receive my supporting documentation letter stating the results of this case, in which the letter never arrived to me. I needed this form to file my claim with the Credit Bureaus to repair the negative annotations on my credit report and ultimately the damage to my credit score this has caused. ( I filed a dispute with XXXX to remove the negative annotations and it was denied due to no supporting documentation of my fraud claim. ) After this 30 day period of waiting, I wound up contacting AMEX 3 separate times roughly two weeks apart from each call to have the fraud department resend the letters to my address on file. After multiple failures to receive this letter, I changed my address on file and requested yet again to receive the letter which also failed and I still never received. Since the day I changed the address on file, the amount of times I've contacted AMEX to receive the letter has risen to XXXX. 

On XXXX XX/XX/2022 over another phone call I was told by a gentleman who worked for Sunrise in the AMEX XXXX department that " the previous representatives I spoke to never sent the letter because they could not find my fraud case. This is when I was made aware that since it has now been 10 months since the charge, " the files disappear and made it difficult to locate my case. '' At this time during this phone call I was advised by this gentleman to have to open yet another fraud case regarding the same claim in order for a supporting documentation letter to be re-generated and sent to me. I have since done so and have failed to receive any kind of documentation regarding my claim, nor have any physical proof of a fraud claim other than my two case numbers. 

Since AMEX refused to do so themselves, I have exhausted all options on my end to receive a letter of supporting documentation so I can properly file my dispute with the credit bureaus and have the negative annotations on my credit report be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-03
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Covid 19 happened. I lost over 75 % of my clientele and am trying to recover after having Covid multiple times. They told me they were going to charge the vehicle off. They never did and continue to call harassing morning noon and night. I'm tired of them calling. I told them if they want the car come knock on the door and I'll give them the keys. But, what they won't do is steal it. It's till my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Total Card, 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 information incorrect

Complaint:
ALL CREDIT CARD COMPANIES WERE PAID IN FULL EXCEPT FOR XXXX AND XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX continues to bill me for services not rendered to me. A recent negative change in my credit report made my scores dropped and greatly impacted my ability to qualify for credit. 

If any XXXX XXXX were ever rendered, my health insurance would have covered and an EOB should have been issued based on the insurance contract agreement. 

That being said, XXXX, the collection agency has trespassed and incorrectly reported my account. This account is NOT mine and it is showing up as an active collection account.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX Balance XXXX {$2600.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00}

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 2022-01-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For long time, its 's been a struggle with this company! I have sent in numerous complaints thru this website regarding them. I am so tired of dealing with them. I want this situation to be fixed! 

Our house is to be auctioned on XXXX, XXXX of 2022. We recently filed a loan modification with them and it got denied. We sent in an appeal and it got denied. The reason for the denial is because of credit and income, which doesn't make any sense because we got approved before. We completed the trial payments and because something happened with the paperwork, it failed to complete. The money is in their possession. 

I called again and the representative said that we have 5 days prior to auction date to fill out another modification ( On recorded line ) which we did. It's now in their possession. 

I want a remedy to this asap. I don't want to keep doing this. I don't know why they are making this difficult. They know that they have a bad reputation and complaints. 

Please get this fixed already!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. 
Account Name : XXXX XXXX Late payment reported on ( ). Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. 
Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with this matter,

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 2021-07-31
Company: EQUIFAX, 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:
My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ).

This COFF item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated!

I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law.

Please delete the following unverified fraudulent account XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation