BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Id like to report the following company and individuals by that company for fraud and the above UDAAP issue. 

XXXX XXXX XXXX XXXX XXXX of company movement mortgage My witnesses to the fraud and lending issues are my family. 

Movement mortgage is dishonest and practicing classism and racism for potential XXXX home owners. 

Preferential treatment and interest rates and advisement are given to More affluent Customers where as less fortunate Customers are given incorrect, improper inappropriate advice with high costs to Poorer customers over the course of time. 

Movement mortgage should not be allowed to lend in the states of VA NOR NC AND any other states they are permitted to do so. 

I have been advised by XXXX XXXX various numbers that do not add up or when asked been given different numbers on the same day for the same loan type and home or address. 

I am now subject to being homeless after the dishonest sales tactics conducted by movement mortgage. 

I was also refused by movement Mortgage to have numbers forwarded over the course of the past few months when I requested a breakdown of the numbers and how funds would be allocated. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 claims that there were late payments for 3 months. No payments were ever made late. XXXX corrected credit report, but instead of removing incorrect negatives they said I was late for {$0.00}. It is not possible to be late {$0.00}. I have repeatedly contacted all the credit bureaus and XXXX with no change. XXXX has also reported different months for the late payments for each credit bureau. One credit bureau says XXXX, XXXX, XXXX. Another says XXXX, XXXX, XXXX. There is not consistency, which seems to show that it is not correct 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 2020-05-27
Company: AIH Receivables Management Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
See original complaint : AIH Recievables has been calling my father 's office phone, his company phone and his cellphone repeatedly. They are only allowed to call once, and they continue to call several times a week. I don't know if they ever sent a written notice of any debt, because I am not sure what debt this could be in reference to. This is incredibly hard on my father and his company. It is a smaller, start-up type company and they really don't have time to deal with constant, harassing calls. I believe they have violated the FDCPA, due to : the harassing nature of the calls ( over 10 calls made to his office ), the fact that they have repeatedly tried to contact a third party, and because I NEVER provided any number related to my father on my medical accounts. Please let me know how I can move forward in submitting these violations, as this has been very annoying for my father, and myself. 


I originally submitted this complaint and AIH came back saying I was lying despite the fact I have the call logs to prove this. They sent a snarky message back. Here was my response, which I am sure they have ignored : Their claims are wildly inaccurate. They called a place I haven't worked at for SIX years. Again, this is a startup type company that is incredibly reliant on keeping the lines open for actually relevant calls. They called over 10 times and I would gladly pull the receipts on those calls if this complaint can move forward. They clearly called this place multiple times without a response, which is against the law, especially considering NOTHING on my account that was supposedly forwarded to them listed that place of employment or that phone number. They went fishing for a relative, found one, and harassed them. 

AIH is in violation of the FDCPA and they should be reprimanded for doing so. Their harassing way of action and lack of understanding of who they can contact and how many calls they may make is egregious and damaging to my father 's business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Gragil Associates, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TO WHOM IT MAY CONCERN : I AM WRITING THIS LETTER OUT OF DESPERATION. I HAVE BEEN TRYING TO ACQUIRE A LETTER FROM SHELLPOINT MORTGAGE STATING THAT I WAS REPORTED 90 DAYS ' LATE IN ERROR DUE TO THE FACT MY LOAN WAS SOLD WITHOUT MY KNOWLEDGE AND DUE TO THE FACT THAT SHELLPOINT 'S WELCOME PACKET WAS SENT TO MY OLD ADDRESS THAT I HADN'T LIVED AT FOR TWO AND HALF YEARS ; THEREFORE I HAD NO WAY OF KNOWING AND CONTINUED TO PAY MY OLD MORTGAGE COMPANY, XXXX. I WAS SET UP ON AUTO-PAY. SHELLPOINT REPORTED ME 90 DAYS ' LATE. I RECEIVED NO PHONECALL, NO LETTER UNTIL 90 DAYS HAD PASSED. 
MOVING FAST-FORWARD, I WAS ABLE TO CLEAR MY CREDIT UP WITH XXXX  AND SHELLPOINT ; AND MY CREDIT EVENTUALLY WAS RESTORED. CURRENTLY I AM APPLYING FOR A NEW LOAN ON A NEW PROPERTY ; AND THE NEW LENDER NEEDS A LETTER FROM SHELLPOINT BASICALLY STATING, THROUGH NO FAULT OF MINE, DID I STOP MAKING MY PAYMENTS. I JUST WASN'T AWARE MY LOAN HAD BEEN SOLD BACK ON XX/XX/19. 
I HAVE CALLED SHELLPOINT EVERY DAY FOR FOUR WEEKS SEEKING THIS SIMPLE LETTER, AND IT JUST GOES IN CIRCLES. YOU CAN'T TALK TO A SUPERVISOR. I WAS HUNG UP ON MORE THAN ONCE. I GET 20 DIFFERENT ANSWERS. I HAVE SENT COUNTLESS EMAILS. ALL I NEED IS A SIMPLE TWO-SENTENCE LETTER STATING THE ERROR WAS NOT MINE. THIS IS ALL THE NEW LENDER HAS BEEN WAITING ON FOR A MONTH NOW. I WILL LOSE THIS LOAN IF I DON'T RECEIVE THIS LETTER FROM SHELLPOINT. 
I SENT A CERTIFIED LETTER LAST WEEK TO SHELLPOINT AS THERE IS NO PHONE NUMBER, ONLY EMAILS THAT CONTINUALLY GO UNANSWERED. THIS IS BY FAR THE WORST EXPERIENCE I HAVE EVER HAD WITH A MORTGAGE COMPANY. THERE IS NO POINT-OF-CONTACT WITH ONE PERSON. IT'S SUCH A SIMPLE REQUEST I AM MAKING THAT WOULD TAKE FIVE MINUTES TO TYPE UP ON THEIR PART AND NOTHING. 
I AM HOPING THAT YOU WILL BE ABLE TO HELP ME SO I CAN FINALLY MOVE ON AND FINALIZE THE NEW LOAN I AM SEEKING. IF YOU HAVE ANY QUESTIONS AT ALL, PLEASE DO NOT HESITATE TO CONTACT ME BY EMAIL OR BY CELL AT XXXX. 
THANK YOU IN ADVANCE FOR YOUR HELP. I AM AT MY WITS END WITH THIS COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Bread Financial Holdings, Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2019 the amount of {$410.00} was deducted from our bill pay with XXXX XXXX XXXX XXXX This transaction was mistakenly sent to XXXX XXXX instead of the party it was meant to. This was not the error of the bank but by accidentally clicking on the wrong bill payee. This XXXX XXXX account has been inactive for several years. Many calls were made to XXXX XXXX and XXXX XXXX which is their financial service. They suggest we contact our bank and our bank tells us there is nothing that can be done on their part and suggests we contact the payee. We have confirmation that XXXX XXXX accepted and deducted the amount from our checking account. We question that XXXX XXXX accepted this amount on an account that has been inactive.XXXX XXXX has no information on any of our personal information because the account is inactive and yet they accepted the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Nelnet, Inc.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received an email saying that I would be automatically enrolled in e-statements if I did not respond by XX/XX/XXXX. The email advises that to opt out of the electronic statements I must log onto the Nelnet website. However when I log onto the website there is no option to logout. The representative advised that I would need to go to the studentaid.gov website to change that option or wait until I am automatically enrolled on XX/XX/XXXX to opt out. This is a waste of my time and this is not the first time I have had to specifically request that my statements be delivered by mail. I do not want electronic statements. I should not have to opt out and if I do clear instructions and a working website need to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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: Account status incorrect

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a collection off on XX/XX/2021 for XXXX in the agreement if I paid in full I would receive an email stating I paid as well as get it off my report from reliant energy collection. I never received anything after calling again was given a confirmation number that was for someone else account. Was then told again I would recieved a verification that debit was paid and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: NY
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:
NOTICE ACCOUNTS THAT I NEVER OPENED ON MY CREDIT REPORT WITHOUT MY CONSENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I don't have an account with Honda Financial Services. But they call me every day ( from XXXX ) and leave a message asking me to call them. I did call them to ask them to stop calling me - because I don't have an account with them - and they responded that they can't stop the calls because I don't have an account. 

This isn't right. It's illegal debt collection directed at someone who does not owe them a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
applied to recieve my free annual credit report, was told the with a pending drtispute could not get report, XXXX will not except any other disputes till original is closed, they are dragging out the complaint so they do not have to take several problems with my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX reported an invalid collection account on my credit report. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with them. They did not provide me with the original application like I requested. After submitting a complaint with the XXXX  they informed the XXXX and myself that they notified the CRAs that they were suspending collection activities as the debt had not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}.

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 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

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 2020-01-31
Company: Cheadle Law Firm
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My name is XXXX XXXX. This is a complaint regarding a debt collection law firm called cheadle and cheadle law. They have had my license revoked since 2011 in which XXXX XXXX sued me for the cost of another persons car as well as other things which added to the XXXX $ debt. XXXX XXXX turned the case over to cheadle and cheadle law in which revoked my license immediately with no notification. I have attempted reasonable payments but they refuse and expect me to come up with XXXX $ down that I can not afford in order to get my license back. I am an XXXX XXXX that has been forced to work at low paying jobs because of this I can barely afford my family as it is let alone a XXXX $ down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, 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:
I received my credit report from you. It included the following incorrect information it will also be posted in the documents section. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And several addresses and hard inquries, they will be all highlighted in the report in the documents as well. These addresses are unknown to me XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX  XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX  XXXX XXXX XXXX My child support and doctor bills are showing up unpaid I will be posting receipts that they have been paid in full, I am enclosing a copy of my credit report with the incorrect data highlighted.I just received a letter from that creditor verifying that this information on my credit report is inaccurate and should be removed from my credit file. I have enclosed a copy of the letter, because I am a victim of identity theft its also multiple social security numbers on my account and my ex wife who I have been divorced from for over XXXX info as well and it shouldn't be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Caliber Home Loans, Inc.
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been charged 4 times for taxes last year in my escrow account. 
XXXX XXXX and $ XXXX and XXXX XXXX and {$19.00} Im only supposed to be charged 2 times @ {$1400.00} thats in my closing documents.

{$2800.00} is what my total tax payment each year is supposed to be. 

I have had my escrow go into the negative multiple times. I even tried to correct it by PAYING an EXTRA {$1000.00} on XX/XX/2022. Just to have it go into the negative again not even a month later- {$660.00} Caliber Home Loans tax department wont answer my calls. I need help. I cant keep taking time off work to call these buffoons and not even have them answer. They keep telling me to talk to the borough. The borough says its calibers issue. HELP ME PLEASE

Company response to consumer: Closed with explanation