BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: DC
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 XXXX is committing fraud and interstate illegal activity and violating federal law across state lines. XXXX XXXX XXXX IS FALSELY AND FRAUDULANTLY STAING I OWE THEM MONEY WHEN I DO NOT. XXXX XXXX XXXX ARE FALSELY AND FRAUDULENTLY STATING I OWE THEM MONEY FROM AN OLD CAR LOAN WHICH I DO NOT AND THEY CANT PROVE I DO. XXXX XXXX XXXX XXXX XXXX texas is under ACTIVE criminal investigation by a senior fraud XXXX of the district of columbia attorney general and the texas attorney general and the CFPB, the FTC, and the consumer sentinel database. XXXX XXXX XXXX IS committing interstate fraud and illegal activity and committing slander by placing false illegal information on my tri bureau credit reports of XXXX equifax and XXXX. They are ACTIVELY being sued by me for committing fraud and illegal activity and my lawyers and I are in touch with federal law enforcement in this matter. XXXX XXXX XXXX and the president and board of directors of their company will and are being actively sued personally for fraud and illegal activity. I DO NOT OWE ANY MONEY XXXX $ OR AMOUNTS TO XXXX XXXX XXXX AND THEIR CREDIT REPORTING ON MY CREDIT REPORT IS FRAUD AND ILLEGAL, VIOLATING FEDERAL AND TEXAS AND DC STATE LAW. THEY WILL BE IN PRISON SOON FOR THEIR CRIMES. I ALSO WISH TO RE-ITERATE THAT I HAVE INVOLVED THE DEPARTMENT OF JUSTICE CIVIL RIGHTS DIVISION IN THIS MATTER AND THIS COMPANY HATES AND DISCRIMINATES AND PHYSICALLY THREATENS ( BY ME NOT BEING ABLE TO procure housing due to my credit report ) OUR NATIONS WOUNDED WARRIORS AND DISCRIMNATES AGAINST XXXX VETERANS AND XXXX PERSONS, and XXXX people, ALSO A VIOLATION OF THE CIVIL RIGHTS ACT OF 1964 AND THE FAIR CREDIT REporting act. THIS COMPANY LIES AND THREATENS PHYSICALLY OUR NATIONS XXXX persons and veterans. THIS COMPANY AND ITS EVIL GOONS SNEERS WHILE THEY KEEP OUR NATIONS VETERANS HOMELESS WITH ITS LIES AND FRAUD.THERE ARE THOUSANDS OF COMPAINTS AGAINST THIS COMPANY WITH STATES ATTORNEY GENERALS OFFICES AND THE DEPARTMENT OF JUSTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Letters were sent to XXXX XXXX, and Experian regarding inquiries on my credit report that I do not recognize. The letter was sent XX/XX/2020. I have not received a response as required by law. Please remove fraudulent information as soon as possible.

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 2017-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Filed a complaint a couple of days ago about my mortgage with Bank of America. Today I had XXXX call me and offer a lower rate, principle reduction and reduction of years for my loan that they have. 

My original loan if with Bank of America for {$XXXX} back in XXXX/XXXX/XXXX. I had XXXX loan modifications. One in XXXX in which they raised the principle to {$XXXX} ( which I was told you can not do ) and made it a XXXX year loan. There is no record of this by the way. Then in XXXX XXXX, I did another modification to get away from the previous modification which was ridiculous. 

Today, the XXXX person informs me that I owe nothing to Bank of America. XXXX balance. The debt I owe at the courthouse is to Bank of America for {$XXXX}. BOA had to right off a certain amount of first and second mortgages due to fraud. BOA made it look like I had a XXXX mortgage when in fact, I DID NOT. There is paperwork at the courthouse ( I sent it in my previous complaint filed ) stating that my mortgage has a full release of real-estate mortgage dated XXXX. This XXXX person then informs me that I had XXXX mortgages through BOA. One is dated XXXX/XXXX/XXXX and then he stated the other XXXX XXXXs dated XXXX/XXXX/XXXX for {$XXXX}!!! I only had XXXX mortgage in XXXX with them. No second mortgage in XXXX of XXXX either!!!! 

I do n't know what I have to do to get this straightened out. Someone please help me. XXXX is a debt collector. They guy argued and said it was a mortgage company. It states that on the answering machine, when they leave messages for me, that they are a debt collector. I informed the guy of that, then he agreed. They are trying to collect debt from Bank of America that I do not owe. It states XXXX XXXXn my account balance!!! The guy from XXXX then said he fully understood about my situation and was not going to offer me any deals on my loan. " You probably do n't need a loan now. '' I asked him to send me the paperwork that he was reading off to me about my loan ( having XXXX of them now ) and he said he could not. Seems to me now, XXXX has created a different loan? and still collecting money?!!!! 

I am desperate and Bank of America has put me through XXXX and back. I have enough struggles being the guardian for my husband who has a XXXX XXXX. He is the one who put me in this situation in the first place! 

Please look into this matter further.

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 2021-07-21
Company: Experian Information Solutions Inc.
State: IL
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 have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, XXXX  and Experian. I only got response from XXXX but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX provide. So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid. 


My other half ( my co-borrower ) and I requested pre-approval letter same time and we both faced same issue. XXXX removed inquiry from his report and waiting for other two to remove from report. So, I tried to reach directly to them to resolve issue without complaining on this platform. But it was really really tough to reach them over the call.

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 2017-10-03
Company: FIRST HORIZON BANK
State: TX
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:
Moved out of the house at the end of XXXX in anticipation of selling it. Had a buyer interested and ready to buy in XXXX. Closing took a lot longer than anticipated and buyer ended up moving into house in XXXX with a lease buy back agreement. While we were out of the house i didnt make a payment in XXXX in anticipation of the house closing. I never received a XXXX payment slip or phone call regarding the XXXX or XXXX payment. I thought since i didnt recieve a payment slip or phone call that i didnt need to make a payment in XXXX because the house was in closing. I didnt realize until i went to re finance my current house that First Tennessee Bank had reported me 60 days late. FTB was the 20 % of an 80/20 loan and the main mortgage company, XXXX ( who owned the 80 % of the mortgage ) did NOT report me 60 days late yet both payments were due at same time each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is past the 30 days allowed per the Fair Credit Reporting Act. I still have yet to receive any information that validates the account theyre reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, My mortgage company made payments to two different insurance companies last year even though they were notified of the policy change. Now I have a large escrow payment that they are requesting from me. They tell me is not their responsibility and that Im the one who needs to pursue a refund. How can a mortgage company just disburse payments without notifying us, how can they not be responsible for a refund to my escrow account if it was their mistake. Please assist me with information as to how we can proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XXXX, I negotiated a mortgage contract with the Realtor in XXXX but the contract was written in XXXX & was told that the interest & monthly payments fixed. Later I negotiated a mortgage with a fixed interest rate & payments I can afford for the life of loan. 
On or about XXXX, I suffered multiple family, major health that caused severe financial hardships. I contacted XXXX ( servicer ) & informed them of the issues & they agreed on the terms of new modification & that the documents will be sent. Soon after Nationstar became the ( new servicer ) & even though they accepted my mortgage payments they have yet to send me the modification contract they agreed to & now in their foreclosure process in which a Trustee Sale maybe schedule at any day Now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/12, Got a fraud call from someone who spoofed my bank 's phone number who claimed there was fraudulent activity on my account where supposedly a user had hacked into my account and was sending themselves money through XXXX. How the only way to dispute the money sent was to send to said user for it to show up on my bank 's system. Sent a {$2000.00} transaction and a {$1500.00} transaction to XXXX. They knew my address and full name on the card. Called bank later to find out it was a scam. Bank filed a claim and said I most likely would not be returned my money. My bank is US Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was injured in an accident in 2016 and went to the hospital. I didn't have my insurance card on me at the time so originally the hospital didn't get insurance information. However, I gave it to them immediately after. Somehow, Wakefield and Associates was given my information immediately after that accident and before I got my insurance information filed. I told them in writing on their website when they sent a letter asking me to explain the event. I wasn't sure why a debt collector was aent my info so immediately ( within a week ) or why they needed an explanation of the case, but still sent it. They should have updated the debt to not existing since I paid the hospital and they never wrote back telling me anything after my insurance paid. Instead, they started calling me every single day from numerous phone numbers and have not stopped since then. I have blocked over 10 numbers associated to this company and they still call daily from at least 3 phone numbers. They are complete scam artists. Stop calling 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 2019-02-07
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ocwen Loan Servicing, LLC submitted documents in which it claimed it was the beneficiary of the deed of trust # XXXX XXXX and revealed it acquired the servicing of the account from XXXX  XXXX   XXXX. 
Ocwen is not a mortgage lending business which finances or refinances debt secured by an interest in real estate and acquired an account that is what specifically? 
Require Ocwen Loan Servicing, LLC to reveal the " property '' that it had a lien against involving the foreclosure it held in and around XX/XX/XXXX. Specifically state if the " property '' it sold was 1 ) personal property or 2 ) real estate, land and building, immovable property. 
The issue is that the holder of the note named by Ocwen as XXXX   XXXX did not receive a " pay off '' after the purported foreclosure and XXXX is not the beneficiary involved in the deed of trust # XXXX XXXX. 
I would like to point out that : 1 ) FDIC has confirmed that deed of trust # XXXX XXXX was not a part of XXXX XXXX, XXXX. 's asset when it closed its doors in XXXX. 
2 ) XXXX XXXX XXXX admits it has no records of the docs Ocwen presented as being a part of the loan transaction. 
3 ) There is no such acquisition from XXXX XXXX, XXXX. to XXXX  XXXX XXXX a division of XXXX XXXX XXXX  involving an interest in real estate, land and building, immovable property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX XXXX XXXX turned me down for a loan saying that I owed XXXX XXXX XXXX   {$150.00} dollars but checked after I had paid off my truck and they said I never owed them any money. Please I have paper work saying I dont owe them anything

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 2021-06-11
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Green tree was initially my mortgage company ok? Then they sold my account to ditech. And then Ditech filed for bankruptcy protection. And so now I have Shellpointe Mortaging Service. So when I was switched in XXXX of 2020 my account was current and up to date .And so now shellpointe has an old attached balance of XXXX plus our regular payment of XXXX which we are current on and pay every month. We have reached out to XXXXhellpointe many times to no avail. We have even gone as far as sending several documents twice to them. No help Shellpointe tells us they can not dismiss this. Ditech told them we missed insurance and escrow. I did not even ask for escrow. And the insurance was current as of XX/XX/2020. So Our statement shows us continually behind and we certainly are not. And even in XX/XX/2020 we paid Ditech XXXX to catch up what they said we behind on .sent ALL the receipts to Shellpointe, no one has been able to help Us! Please help us if you can!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: EQUIFAX, 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:
I tried to disput info from my eqiifax report. All the other companies fixed it no problem. Not only did they not fix it they deleted all my good credit, current and past. 17 years worth. I olve over the phone. Called them 9 times. Takes 40 minutes to get a human on the phone. They say I requested it I ask for supervisor and wait another 20 minutes. They repeat the first guy. I finally get one supervisor that admits I did n't do it but they wont fix it. I have to call creditors which I do. They wont call Equifax like Equifax guy said. Not how its done. So again I call and I wait, Go through whole thing again and they keep transferring me to nowhere, Or the ohone just loops from one recording to another. I call until they close, They refuse to return my imformation they deleted. Cost me over XXXX pts on my score. Now XXXX XXXX has returned the derogatory marks back to my report where the had removed them. No notice or reason why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: Experian Information Solutions 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 received a Credit Report from Experian on X/XX/2017. There are multiple unauthorized requests for my Credit History I contacted Experian and requested they investigate and eliminate inquiries and they refused

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 2017-10-05
Company: Fay Servicing, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
fay servicing said they paid my property taxes ( they did n't ) and set up an escrow account and deferred monies into the account for the taxes. which I did not approve. the then stopped applying my payments to the house until the account was brought current but they took the monies from my payments and stored them in separately causing my account to be behind. I paid the taxes long before this occured and after checking with the county clerk they informed me that I was the only person to make a payment and there was no record of fay servicing trying to pay anything I spoke with XXXX who said he needed proof that I paid the taxes but never gave me his email address, I had to get that from an associate. I emailed him the proof but he will not return my calls or emails

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Notice to all, I am that the consumer, in fact, natural person, original creditor, lender, executor administrator, holder in due course for any and all derivatives thereof for a surname. I XXXX XXXX who is currently of the age of majority would like to validate the information listed above is accurate and hereby would like to address several violations that have occurred between the creditor ( MIDLAND CREDIT MANAGEMENT ) and the XXXX, XXXX  & XXXX  a Non-Government reporting company. 


Fact, The Fair Debt Collection Practice Act was established to stop the abusive, deceptive and unfair debt collection practice by many debt collectors.

Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT and XXXX, XXXX  & XXXX  a Non-Government reporting company is currently in violation of U.S.C 1692c ( a ) in which any COMMUNICATION WITH THE CONSUMER GENERALLY-States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT is currently in violation of 15 U. S. C. 1692c ( 3 ) ( b ) COMMUNICATION WITH THIRD PARTIES-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate in connection with the collection of any debt with any person other than the consumer his attorney. MIDLAND CREDIT MANAGEMENT willful violated my rights by non-compliance I the consumer demands the ceasing of communication as stated in 15 U.S.C 1692c ( 3 ) ( C ) with all parties involved and for the related information to be removed from my report. Due to MIDLAND CREDIT MANAGEMENT XXXX, XXXX  and XXXX  have willfully violated several of my rights I am also seeking Civil liability which 15 U.S.C states any debt collectors who fail to comply with any provision of the title with respect to any person is liable to such person in an amount equal to the sum of {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: DISCOVER BANK
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:
Hi, My discover credit card was used on XXXX without my authorization and because of my unawareness from unauthorized use of my credit card therefore I got big debt on my credit card but however Im trying to fix this issue and remove the late payments from my credit report but no one wants to help me not the credit agency bureaus nor the credit card company. During that specific time I was hospitalized and I haven't used my credit card. I do have my hospital documents but since in this email says do not provide anything that include your personal information I did not add it. I can provide my hospital documents if you request later. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has added this account to my credit reports. XXXX, XXXX, and XXXX. I have never received any communications from this company. I have no idea who they are. I have no dealings with them. Never heard of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation