BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: FIRST PORTFOLIO SERVICING INC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got a inquiry alert on XXXX  for XXXX. Also for XXXX .I contacted the company for the XXXX inquiry and nothing was done. They told me they didnt even have me on file and to contact XXXX. I did and nothing was done. But both of those dates i have never applied for any credit. Why would i apply twice for the same credit card a month after each application? It wasnt me. This is either fraud. Or the company is reopening old files and reporting it to the credit bureaus. I say this because I actually did apply for a credit card on XX/XX/2019, which i was approved for. so maybe someone in the company keeps opening that file and reporting it for some reason. Because this doesnt make sense. Ive been working with XXXX credit repair for months now trying to repair my credit. So why would i keep trying to open up new credit cards? I was told from XXXX to freeze my information from the secondary credit bureaus, such as XXXX XXXX because its possible that im a victim of fraud. Can someone please remove these inquiries XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

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 2019-01-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My 16 year mortgage with XXXX XXXX XXXX  XXXX and was sold in 2016 to a company called Bayview Loan Services LLC out of XXXX Florida. 

I always made my payment all these years. BAyview loan services increased my taxes and did not believe I had insurance and applied force placed insurance. 

Now this was an error that Bayview Loan refused to correct, I have 17 month proof,. 
You call, and they just do nothing. They refuse the regular payment and start foreclosure. 

This is total fraud. And a scam. I was a XXXX  XXXX. They are in violation of ORC and government codes. I fought this foreclosure myself, because every attorney refused to help unless I had XXXX. So I did it myself, I am XXXX years old, have lived in my condo for 18 years and now I get to go to a shelter. 

This is such a terrible thing they are doing to many. I called the scam squad in my area, they would not help either. I have lost income due to the foreclosure, and I lost custody of my grandsons, I was raising due to my daughter death. So now I am kicked to the curb, like a dog. And I had a perfect record, till they changed my payment and refused the regular payment. Bottom line this is a collection agency buying old loans and then the scam begins. This company is in 5 states. Because there is no quality control, no one check balances, or to see if the mortgage should go into foreclosure. I worked for XXXX XXXX XXXX XXXX. for 15 years. I did XXXX  and I can not save mine home, no one is checking to see their errors, and it looks like I am delinquent because of the increase of {$200.00} on my payment. My taxes did not go up, and my insurance is paid my the condo association. I was doing just fine till they bought my loan and increased my payment I am happy to meet anyone who can help or anyone who cares, to prove this. I get to even lose all my possessions because I have no where to put them, my whole life going in the trash. I am now going public and going to the media. They have to be stopped. Check out the complaints on line from customers, over 800. I also called the FBI. Nothing is happening. The decision on my house is this week, and if they win I plan to continue to fight. Such a shame this is happening in todays times. I do feel my age is a factor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Purchased my home in XXXX with XXXX down and lender/ bank financing of XXXX XXXX and XXXX XXXX. Not sure why on the XXXX as it was all Close of escrow handed to seller funds so my family could get keys and move in. Nobody went to college bought a boat with this HELOC as they call it or zombie loan is what Im hearing called now. In XXXX due to separation ( XXXX left home so do her income ) I fell behind on payments and after failed attempts to work with my lender saw Obama on TV who mentioned making home affordable and I sent the same SSDI income to HUD and HUD saved my home from trustee sale and I remain current on XXXX MAKING XXXX XXXX XXXX refinance 13 years later to this day. All of a sudden Im in ore foreclosure relaxing HUD didnt icue this loan? And the new servicer, XXXX XXXX servicing filed a notice of default XXXX XXXX which last 90 days till XX/XX/XXXX when they will announce sale date and foreclose and sell My Home at auction. 
specialized loan servicing it was convicted in XXXX by the government for violating RESPA regulation X wrongful filing and flow closure. Their NOD notice of compliance states my home is non-owner occupied? Ive been here every day and night as have my sons since XX/XX/XXXX my purchase date. XXXX received a XXXX offer from them today XX/XX/XXXX from demanding {$20000.00} by XX/XX/XXXX or theyre gon na sell my 17 year family home. Im current on my making home affordable refinance of XXXX, please help save our family home!

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 2022-03-17
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My father, purchased land under the Texas Veterans Land Act. My father passed in XXXX and I, his son, continued to pay the loan. I recently paid off the loan and my last check, {XXXX}, was refunded to me, but in my fathers name. I called Dovenmuehle Mortage and explain I was unable to cash the check and asked them to remit the check in my name. I submitted all pertinent information they requested and have made numerous calls to update my request. Initial call was made XX/XX/XXXX. My last call was today, XXXX XX/XX/XXXX. I keep getting redirected and have received no satisfactory answer or check. I have also filed complaints with the Texas Attorney Generals Office and Savings & Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
We have a XXXX business account. In XX/XX/2022 I wrote XXXX checks to vendors which were stolen ; XXXX were forged and cashed at Bank of America. The third I was able to put a stop payment on before the thief cashed it. 
I filed XXXX claims with XXXX in XX/XX/2022. BOA still has not processed the claims nor responded to XXXX. 
Under UCC, I thought XXXX of the banks had to make good on checks within 5 days. It has been about 6 months and BOA refuses to respond. XXXX states BOA is responsible to refund us and won't even temporarily cover the amount while BOA is processing. Meanwhile, our small business is struggling financially since we had to pay our vendors.

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 2022-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 Contacted The Company Capital One Over The Phone About 3 Statement Periods Not Reporting On My Credit Report ... And They Said They Don't Know What's Going On And It's Nothing They Can Do About It.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent a debt validation letter to Americollect for a medical bill I did not recognize. They replied with the original bill. However, that bill had a list of procedures and other medical information. This is a clear violation of my HIPAA rights. I did not authorize them to have access to this personal information. In accordance with the law, they are now in violation of my legal rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Apothaker & Associates, PC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Attn : CFPB Representative, I am a XXXX XXXX XXXX divorced 1XXXX XXXX XXXX XXXX XXXX  XXXX veteran. My only earnings come from the social security XXXX and the department of veterans affairs. About 4 years ago I opened a checking account and set-up direct deposit for both my XXXX benefits ( XXXX & VA ). I was told by XXXX Bank that my federal direct deposits each month could not be garnished. I suffer from serious medical problems and was unable contest the garnishment of my federal XXXX benefits. I read where the CFPB debt collection rule clarifies certain provisions of the FDCPA effected on XXXX XXXX, XXXX. Federal law protects or " exempts '' certain funds or benefits from garnishment. Federally exempt benefits include ; social security and XXXX XXXX. of veterans affairs. These federal benefits remain exempt from garnishment when directly deposited into my checking account. See ; Title ll, Section 208 of the social security act of 1935, it provides the most broadly applicable exemption. It exempts social security from all legal process, including garnishment. Additional codes in my defense ; 38 U.S.C. 5301 ( a ), 15 U.S.C. 1693, 31 CFR part 212.3, 28 U.S.C. 3205 and 42 U.S.C. 407. The amount of the garnishment was {$3400.00}. Presently it is no part of my available checking account balance, but does show as being held. My case is at the XXXX XXXX XXXX XXXX XXXX, XXXX, NJ. File # XXXX ( XXXX XXXX. XXXX ). I phoned the plaintiff ( XXXX XXXX XXXX, PC XXXX during XXXX and once in XX/XX/XXXX, no reply at all. The plaintiff debt collector is, Apothake Scian, XXXX XXXX XXXX XXXX, PC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX  relationship banker I complained to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I told him he was not allowed to garnish my direct deposit federal benefits and all he said was the court order was the reason he had to honor it. I would like the garnishment to be credited back to my account because it's a federal law. I do hope the XXXX XXXX will be held responsible for the time, grief and pain they caused me for accepting the garnishment as legal. They had the opportunity to advise the court these were federal funds and were exempt. Thank you for your time! Respectfully, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: R.M. Galicia, Inc.
State: AZ
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:
The collection company called Progressive Management Systems reported to the bureaus a debt under my name. The collection was reported back in XX/XX/XXXX and it was for a balance of {$1300.00}, showing the original creditor as the XXXX XXXX XXXX XXXX and the account type as " collection '' and " joint ''. This account was disputed with XXXX and I am unsure of what information the collection agency provided to the Bureau showing that the account was mine and " joint '' as the Bureau informed me. I am still disputing this account, it is not mine and I would like the company to provide documentation.

I haven't had any contact with this company over the phone or in any way and never had the opportunity to dispute it with them directly, never get into any payment plan or any agreement to pay.

! 8 days ago the same collection company, Progressive Management Systems reported the same account as a 60 late payment for the same amount hitting me twice for the same debt which shows the account as a collection in XX/XX/XXXX and an account in 60 days late payment status XX/XX/XXXX. 
First of all the debt is not mine but also I understand once a creditor selles a debt to a collection agency, this one can only report the debt as a collection not as a collection and account in late 3 years later without communication or any payment plan set up.I think this is an unfair tactic from the collection agency to collect the money duplicating the information and reporting false information and twice to the Bureaus. This practice goes against the Fair Debt Collection ACT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
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 is missing that should be on the report

Complaint:
XXXX XXXX, I have sent a fax with information about missing details in my credit report. I have provided details to the company with proof of purchasing the house with my wife in 2012 and refinancing it in 2012. 

I am attaching the fax sent to the company and request you to resolve this problem with XXXX XXXX  and ensure that my name appears on the mortgage information. 

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 2022-03-17
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted. 
US DEPT OF EDXXXX Account number XXXX Date opened Indicates the date an account was opened XX/XX/2011 The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: KY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that 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 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 Inquiry : XXXX. XXXX, 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 alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: EQUIFAX, INC.
State: IL
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:
Equifax did not resolve a dispute that was submitted in XXXX of 2019. My credit score with Equifax dropped over 30 points in less than a month without any derogatory information reported. My credit balances decreased within this time and all payments were on time. Equifax can not explain why my score dropped so drastically without any negative items being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Tribal Lending Enterprise, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Im at writing a complaint in regards to a loan ( for {$900.00} XXXX I took out with mountain summit financial. Spoke with XXXX ( XXXX ) and she said it will cost {$13.00} daily interest to my payments. I refuse to believe they can charge this much. Ive paid so much interest and they are stating I still owe {$1000.00}. 

I have asked for loan documents and they will not provide me with a copy. 

Im very upset that they operate this way. 
I dont trust this company ( if they are a real company XXXX My previous loan with them for {$900.00} Ive paid over 100 % in interest and Would like a refund. 

They wont send document/evidence of the loan to me at all and this concerns me.

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 2018-08-16
Company: EQUIFAX, INC.
State: GA
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The first part of XX/XX/XXXX I sent a letter to DCI stating for them to validate a debt. I wanted a sign contract with my signature. I received a letter from them with a bill stating this debt is valid. This is not validation. I would like for them to remove this collection from all 3 credit reports because I do not owe this debt.

Company response to consumer: Closed with non-monetary relief