BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-19
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been requesting a verification of mortgage from the servicing company that sold my mortgage to another company. They will not provide it. I am trying to refinance my current mortgage and the new lender needs it. 

I stand to lose my lock and money and if it is not done in a timely manner./

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 2018-05-08
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX my WELLS FARGOS Credit Card was removed for my credit report, but it came back on my report this account should be off my credit report.

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 2020-05-04
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I kept getting a statement and letter from this service, even though I have already asked them numerous times ( registered mails-to make sure they received my requests ), to please send me proof of the original contract, itemized, not a disbursement copy with my original signature on it. But this " Heartland ECSI '' with their account, " Covid-19, XXXXXXXX '' is completely ignoring my requests, instead, I kept getting notifications of payments with interest accumulation monthly. And also, this company kept sending this notice of payment to the wrong address. so, the resident of this address is literally upset and had already yelled at me because they thought that I have not changed my mailing address yet? Its been months, since I changed my mailing address ( XXXX of 2019 ) This situation is putting me on XXXX. The XXXX of the Corona Virus is enough for me to handle. 
I don't know what to do? Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Carter-Young, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/2013, this debt for {$68.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you  have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The following accounts are fraudulent XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX   {$180.00} XXXX/XXXX  {$830.00} XXXX {$560.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$570.00} XXXX XXXX {$200.00} XXXX XXXX {$960.00}

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 explanation
Consumer complaint received 2019-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX - I received notification that my credit score had plummeted over 100 points. After investigating through XXXX, I discovered my Capital One credit card was 3 months in delinquency. This was shocking as I had not used the card, and I had received no notifications/statements/bills - via email, phone call, or paper-bill. I called Capital One immediately and the customer service representative apologized, and informed me that the delinquent charge was a membership fee. She said she would waive the fee, and then told me she had closed the account ( without asking me, or blaming me for the decision ). She apologized again for the inconvenience and said she would notify all three credit bureaus of the error. 

Since this conversation, I have frequently checked my XXXX credit monitoring account. The Capital One card, which I had had since XXXX, is definitely reported as " closed by the creditor '', but the fee remains, and it continues to affect my credit score, which has since dropped even lower. I was charged an extra security fee by my gas company due to this issue, and XXXX XXXX XXXX has also dropped my credit limit because of Capital One. 

It will take me a very long time to restore my credit score - which was in the mid-700 's until 3 months ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HIPAA VIOLATION Alleged amount owed {$300.00} Alleged account # XXXX REMEX INC ... ..In XXXX of 2020 I submitted an AFFIDAVIT to REMEX INC ( copy attached ) for an alleged debt. REMEX responded with a claim of " verification '' ( copy attached ). They have failed to respond to any points of my sworn testimony, however their response itself and continued reporting of this alleged debt is a clear violation of HIPAA. They also failed to provide any documentation that validates this alleged debt.I requested a copy of their Business Associates Agreement.Also their claim of " verification '' can not be accepted without an accurate accounting to provide proof of the amount they are alleging that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Systematic National Collection, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX performed our bi-monthly service for ant control. Within two days the inside of our home was overrun with ants. We telephoned XXXX XXXX XXXX twice asking for a technician to come out and respray under their warranty. We were given the run around and no one contacted us or came back out. I wrote to XXXX XXXX XXXX on XX/XX/XXXX notifying them we would not pay the bill because they didn't provide adequate service. 

In XX/XX/XXXX I received a letter from Systematic National Collections, a debt collection service. I followed the direction on their letter and notified them in writing within thirty days that I dispute the validity of the claim. They never responded to me. 
On XX/XX/XXXX I was notified by XXXX XXXX that a negative report had been posted. 
I telephoned Systematic National Collections today and the young man with whom I spoke would not listen to me and just repeated over and over again that I owe the bill and to just send a check. 

I will not pay for service that was not provided adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Financial Management Solutions, LLC
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:
I am a natural person, creditor, and consumer stating from 15 USC 1692a ( 3 ). I'm reporting Identify theft under 15 USC 1681c-2 blocking information resulting from identify theft. I have never given written permission to XXXX XXXX XXXX to share my information with FMS Solutions. In violation to 5 USC 552a No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. I've attached numerous violations from the contract they gave me along with the revocation of my signature from that contract.

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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted TransUnion many times and explained that the accounts that they are reporting under my name a fraud accounts. I have sent all the requested documents & they continue to report the accounts that do not belong to me. I am requesting again for the fourth time to please delete and block the accounts that you are reporting for XXXX XXXX  {$1700.00} & XXXX, XXXX XXXX XXXX  {$140000.00}, along with several Accounts from the Dep of Ed/XXXX. I am asking again to please delete & block this information.

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 2019-09-19
Company: Direct Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving calls for months however no one leaves a message on my voicemail. My phone provider provides scam screening and shows the calls from this number XXXX as spam. For the first time on Wednesday, XX/XX/2019 Direct Recovery calling from XXXX left a detailed message on my voicemail. 
The calls are for someone else and even after I notified them that this is the wrong number the calls continue. They are leaving detailed messages of someone else 's debt information on my voicemail. When I called the first time I spoke with a woman who refused to give me her name and then she hung up on me. 
The second call I made to them I spoke with a Mr. XXXX who asked me for my number and then tried to get my information AND told me to give the phone number and his ext to the person it was intended for.Still as of date Direct Recovery continues to call my phone multiple times a day. Sometimes leaving a very detailed message and sometimes no message at all. It is unclear how this company has MY PHONE NUMBER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

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 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is reporting on my credit bureau and IS NOT my information. The company refused to correct it. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to SOLD TO ANOTHER LENDER Original Amount - Comments - Payment History XX/XX/XXXX XX/XX/XXXX

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 2021-01-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are alledge collections and charge offs accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX  /account number xxxxxxxx agency name XXXX XXXX XXXX XXXX account number xxxxxxxxxxxxxxxxx XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Lendmark Financial Services
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have told Lendmark on numerous occasions that I live on the west coast and they continue to call me at inappropriate times ( before XXXX ). I have lived out here for 5 years. This should not continue to be an issue. I have paid on this loan the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Associated Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is posted as even though there is a collection posted on my personal credit report, at no time was I ever given notice of such a collection from a public utility. I do not accept public utilities having the right directly or through a collection agency to post a negative item on a consumer 's credit report. The Fair Credit Reporting Act was not established in 1970 to take public utilities into consideration, as they are governed not by federal laws, but through public service commissions in each state. Accordingly, this posting on my personal credit is illegal by federal mandate. The original utility known as XXXX XXXX XXXX XXXX XXXX can send to me an invoice for payment once the collection is deleted from my personal credit report. DELETE THIS COLLECTION AS THE DEBT WAS NEVER VALIDATED!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 is past the Statute of Limitations in Idaho, however it is still reporting to my credit. I no longer owe this debt and I would like it to be removed off of my credit report

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 2019-04-30
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX. My wife and I are XXXX veteran and undergoing refinancing of our house to pay off creditors and student loans. We were with XXXX XXXX company but they were $ XXXX above Amerisave 's quotation, Amerisave mortgage company that contacted us stated they c an beat XXXX 's quotation. I talked to XXXX XXXX and he stated that " I needed to show some skin to show that I was serious with the loan and that was on XX/XX/2019 and on the XX/XX/XXXX th Amerisave deducted {$500.00} out of my XXXX XXXX checking account. Days went by and I was getting impatient of non responsive reply from XXXX regarding my refinancing and I had left several voicemail and had talked to his office mates and left messages to contact me. I also informed them that if they're not completing the transaction to refi ... to give back my {$500.00} back. I asked XXXX XXXX ( my XXXX mortgage financier ) if he knows which agency should I contact to informed them of Amerisave illegal act and unprofessionalism. 
Attached below is a copy of my mission bank statement regarding the {$500.00}.

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 monetary relief
Consumer complaint received 2018-03-22
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called this creditor in attempt to come to a settlement for this debt and they said they have no records of me ever having an account with them. They looked up the debt owed under my name, my address, social security number, and birthday and found no record of the account belonging to me. I was told by the agent to dispute so it could be taken off of my credit report which I did but the debt is still on my account. The debt owed does not belong to 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 2020-05-04
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX I received an escrow analysis causing my payment to increase for the fifth year in a row. I cancelled my insurance and obtained insurance on my own out of pocket. I contacted my navy federal credit union to cancel the escrow account, stating I have my own policy and the property tax will be handled by me as well. They have been extorting excessively high escrow fees for five years now! Im a XXXX veteran on SSDI. This escrow extortion has been out of control. Im nearly paying two months of principal, its outrageous. My principal is only {$530.00}, with escrow now, its {$900.00}. Thats insane, they make up some lies about the VA required them to have an escrow account. Since Im paying my own insurance out of pocket now, my escrow should at least reflect that, which doesnt.

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 2017-11-27
Company: BB&T CORPORATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I are refinancing our existing mortgage with XXXX XXXX XXXX, currently our mortgage is with XXXX XXXX. We also have a home equity line of credit with BB & T bank. We want to maintain our BB & T equity loan. XXXX XXXX has contacted BB & T several times to make arrangements for the change of the new mortgage and has repeatedly been told that they do not have a department to take care of that service. We are senior citizens and my husband has repeatedly called BB & T and been given the names of people to take care of the situation and when XXXX XXXX then contacts that individual they are told that they do n't handle that. At this point in time it has become very stressful because it will delay settlement.

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 2021-02-20
Company: EQUIFAX, INC.
State: NY
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 have disputed several inaccurate or/and unrecognizable accounts from my report to the credit bureaus but they are not neither answering nor taking action, i give them 30 days and then try to reach them out again for not answering but they don't do anything anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 've cotacted this company on XX/XX/XXXX and spoke with XXXX to inform her that I had credit inquires on my report that were no authorized by me. she told me to contact the companies I 've sent certified letters its been over 60 days and I have n't heard any information. she told me to contact them again. and I explained to her that these were unauthorized she was no help at all. I 've spoke with about 7 other assoicated between XX/XX/XXXX-XX/XX/XXXX and got no help. 
XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX +

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