BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-14
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Quality loan service corp has unlawfully foreclosed on our property today XX/XX/2019. There was a recorded message on their automated system phone number XXXX ( attached ) dated XX/XX/2019 XXXX XXXX & XX/XX/2019 XXXX XXXX with trustee # XXXX that reflected a sale date of XX/XX/2019, we relied on these recorded messages as a time frame in avoiding foreclosure with XXXX XXXX and planned to take whatever steps neecessary to avoid foreclosure according to the XX/XX/2019 sale date. Instead they have foreclosed today XX/XX/2019 giving us false information over thier automated system and not allowing us to take the necessary steps nor time to avoid foreclosure. We request that quality loan accept thier error and rescind the foreclosure sale immediately and allow us the proper opportunities needed to take as a consumer by law in order to avoid foreclosure. We request transparency in thier recorded messages as we called today XX/XX/2019 and they deny having ever recording such messages reflecting XX/XX/2019 as a sale date and state they have no record of it. They claim they will look into thier IT department to look for the recorded messages and we are now relying on thier honesty and utmost due diligence in correcting this unlawful foreclosure sale immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Several months ago I owed XXXX XXXX XXXX XXXX XXXX ( XXXX ), as I was unemployed ( due to COVID-19 ) I could only afford to send them XXXX, then last month in XXXX I sent them the remaining XXXX in the form of a check which XXXX ( XXXX XXXX XXXX XXXX XXXX CA ) cashed. I recently received a demand for payment from A.R. M. Solutions, Inc XXXX XXXX XXXX, CA XXXX and ARM said they would report this NEGATIVELY ON ALL OF MY CREDIT REPORTS. I do not think it is fair for ARM or XXXX to try and EXTORT MONIES FROM ME THAT I DO NOT OWE, and also threaten my credit ratings.

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 2020-05-28
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 was trying to buy a car at XXXX and when they ran my credit to see if I qualified to finance through them, I was told that they could not approve me because there were one or more accounts in negative standing on my report. I looked through my credit report because I thought I didn't have any bad accounts on my credit but I saw about eight accounts on my credit report with negative payment history ; I wasn't aware of these accounts before today XX/XX/20 because none of them are mine. I didn't open any of those accounts and I did not allow anyone to open them in my name. I do not have any written or verbal contract with any of the companies I listed nor did I benefit anything from those accounts such as money, goods, services or anything else and I did not make payments towards those accounts. I have already filed a police report regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: TN
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:
For some time I have attempted to correct issues with XXXX XXXX XXXX. This was after I submitted a fraud report. Incorrect information is still appearing on my report. They have claimed not to receive the disputes after they were submitted. The disputes are for identity theft/fraud. The individual listed on the accounts is deceased and has been for decades. I sign my legal documents a certain way and no proof has been given that this was debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I reached out to my company on XX/XX/XXXX to defer a payment and I was not approved. I was advised I could make a lesser payment but because I made a partial payment in XX/XX/XXXX I would need to make a full car paymnet. I advsied the agent I only made on partial payment in XX/XX/XXXX prior to my vehicel being repossed and when I paid to get the vehicle back I covered that. I was then advised they cold send me my payment history. I looked at the payment history online as well as my bank statement showing I made a payment un XX/XX/XXXX( which covered XX/XX/XXXX ), a payment in XX/XX/XXXX ( which covered XX/XX/XXXX ) and a payment at the end of XX/XX/XXXX ( Which covered XX/XX/XXXX ). I was advsied they will open case # XXXX, and I should hear something within 72 hours. I called today and had the exact same conversation as I did last friday with no one calling me back and my loan continue to accure fradulent interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM VICTIM OF AN IDENTITY THEFT, WHICH MEANS THE INFORMATION ON MY CREDIT REPORT DOES NOT BELONG TO ME. I HAVE REACHED OUT TO TRANS UNION NUMEROUS TIMES TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. THE XXXX  ACCOUNT IS FRAUDULENT AND NOT MINE.

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 2021-01-23
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property taxes are held in escrow ( impound account ) with BSI Financial ( the loan servicer ) and the most recent property tax bill ( due in XXXX XXXX was not paid by them as it should have been! 

I'm in the process of arranging a HELOC loan with another lender in order to do needed home improvements and that's how this was discovered ( property tax must be paid or no HELOC ). 

In addition, since it is passed XX/XX/XXXX the tax is considered delinquent and there is a late payment penalty ( 10 % of the amount due ) so the total due is now {$2800.00} I contacted BSI on XX/XX/2021 and was told the matter would be " escalated ''. Since then I have called multiple days, and each time all the customer service rep can do is " escalate '' it - so nothing ever gets done or communicated to me. 

It has been ten days now, and BSI has still not taken any action to pay the property tax due. In addition, the only way to contact them is a single customer service number to reps who have no ability/authority to take action. 

I'm very concerned that my impound account funds will be taken by BSI and never used to pay the property tax or insurance bills for which it is intended. I am also unable to obtain another home loan since the property tax has not been paid - so I'm unable to pay for needed home repairs and remodeling. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed an account that is fraudulent thats on my credit report XXXX XXXXXXXX XXXX account with an amount of {$9800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, I filed Chapter XXXX Bankruptcy. At that time, I had a XXXX XXXX XXXX credit card XXXX that was issued on XX/XX/XXXX. After I filed bankruptcy, XXXX XXXX XXXX showed the account delinquent in XX/XX/XXXX. See attached exhibit showing XX/XX/XXXX date of first delinquency. 

XXXX XXXX XXXX then closed the account and re-issued the card with a new account number XXXX separating that account from the Chapter XXXX petition. Then, since they were not receiving payments from the bankruptcy trustee, they showed the account delinquent in XX/XX/XXXX. 

These two card numbers are the same account and therefore both should should show a XX/XX/XXXX date of first delinquency, which will be removed from my credit report on XX/XX/XXXX. 

I disputed this information with Equifax, but the dispute results stated " consumer dispute not specific '' even though I checked the box that designated an error on the date of first delinquency and provided a detailed statement to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The payment history on this revolving account ( Acct # XXXX XXXX is being reported inaccurately. I have never paid this account 30 days late. In addition the referenced late payment is invalid as the month of XX/XX/2018 only has 28 days and not 30.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Scheer, Green & Burke L.P.A.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received several calls from this company. I have had several medical Bill 's obtained in my name, credit cards obtained, a judgment filed against me but after I was made aware of it years later and my police report proven, the lawyer corrected it with the court. I have advised this company before filming with the XXXX that this debt is not mine. So here I will provide a police report when I was made aware of the identity theft. I do NOT owe this bill and am unaware of any hospital Bill 's in my name, AGAIN!!! I ma NOT refuting that the bill is due, just not by me. This is NOT my bill and I am disputing that. As a law office you should be aware of the many ways one 's identity is used. I do not care about an INVOICE, this is NOT my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, INC.
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:
XXXX/XXXX is reporting that I owe {$440.00} on my credit reports. I HAVE NEVER RECEIVED ON BROUGHT ANY ITEMS FROM XXXX/XXXX THIS OS NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
Pursuant to 15 USC 1681a ( 2 ) to states that you can not report EXPERIENCES or TRANSACTIONS on my consumer report. LATE PAYMENTS are Transactions and an Experience this is a violation of my consumer right. You must respect my right to PRIVACY.

I am a federally protected consumer which mean I reserve the right to privacy. 

Account Name : XXXXXXXX XXXX XXXXXXXX : 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 2023-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or around XX/XX/2022 Portfolio Recovery associates LLC retained XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A lawsuit mill that has represented itself as a legitimate law firm to sue and harass me in court Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery XXXX XXXX XXXX XXXX would not and refused to produce proper documentation supporting their claims to the debt, both title and chain of custody, and would only produce erroneous affidavits. they did back out of their lawsuit and dismissed their case after wasting much of my time and XXXX funds on fruitless court appearances. now Portfolio Recovery associates LLC has filed a 1099c with the IRS on a debt they can not and wont prove they own and have sent no official communication that they have officially discharged the alleged debt or substantiated they have a right to claim a loss to the IRS and force me to pay taxes on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Nelnet, Inc.
State: NV
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:
New and Updated Information, Please see attached documentation below. 

XXXX XXXX XXXX in this matter as base Representatives are ignorant to the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: MORTGAGE SOLUTIONS OF COLORADO
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have called and emailed Mortgage Solutions Financial multiple times with no success in resolving this issue. I obtained a cashiers check on XX/XX/23 from my bank to mail the same date to the companys payment address. This is the second time I have mailed a payment and my payment is lost despite having mailed certified mail and tracking showing that it was delivered and signed for on XX/XX/23. Everytime Ive called, Ive been told they are putting in an investigation and that someone will call me. Its been almost a month and nobody can seem to figure out where my check is. Ive sent photographic proof of the cashiers check along with the tracking number etc. Nobody is giving me answers and I am now late and subject to a late fee and receiving emails and calls saying that this will affect my credit score although all of the evidence and all of my phone calls should be noted in their phone logs and on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a line of credit on my home equity which has not been used since XXXX and the balance is XXXX since then. I am currently refinancing my house, On XX/XX/XXXX I called the bank and requested to close my account and they gave me a confirmation number XXXX and the representative told me that in one or week the account would be closed. More than a week passed and the account was still active and I called the bank again ( each call has a waiting time of more than 90 minutes ), I asked why my account was still active and they told me there was a internal miscommunication and they transferred me to a supervisor who apologized for the delay, she indicated that they expedited my process and it would not take more than 4-5 business days to close the account. A week passed after talking with the supervisor and the account is still active and I called again and spoke with a representative who escalated my case to a manager who called me on Friday, XX/XX/XXXX, apologizing and offered me that the account would be closed for the day XX/XX/XXXX. Today is XX/XX/XXXX, more than four weeks have passed since I requested to close the credit line account and I called the bank and none answers the phone, the waiting times are more than 90 minutes. Currently I am affected by this delay and that the refinancing process is waiting to close this line of credit with the Bank of America and that affects me economically and I am already tired of calling and claiming with 90-minute waits on the phone.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: TN
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:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY FILE WHILE I WAS XXXX, I NEVER BENEFITED FROM THESE ACOUNTS OR INQUIRIES.

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 2021-01-23
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used Remitly on XX/XX/2020 to send money to XXXX. The dollar amount was {$780.00} plus {$3.00} for the transfer fee. I t was supposed to be received the same day. Reference # XXXX. According to the company the money was sent by me on XXXX XXXX at XXXX XXXX PST and was transferred to my relative he was supposed to get it on the same day at XXXX Local time. It was supposed to be deposited to his Visa card that is linked to his bank account. The money was needed for a XXXX that took place on XX/XX/2020. I kept on calling them every day and they told me it was completed however he did not received the money at all. Customer service representatives told me every single time i have to prove to them the money was not received by him they even requested a real time printing of the transactions made that weekend to prove there was no money deposited at all. After so many calls to customer service representatives they told me to send in the bank statement the money was not received at all. I complied with the request and they keep on telling me it has been internally escalated because XXXX, wich is a third party in XXXX shows it was deposited already. I am exhausted and disappointed nobody can help me in remitly at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
XXXX. Validate account XXXX XXXX Account XXXX : XXXX Please rmeove it from my credit report XXXX. Validate account XXXX XXXX XXXX Account Number : XXXX Please rmeove it from my credit report 3 The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-10-18
Company: Risecredit, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
RISE charged off my account, but an agreement was reached between RISE CREDIT and I, that if I paid a certain amount they would reverse it. I paid that amount but they did not fix it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter dated XX/XX/22 regarding 3 accounts Phoenix Financial Services purchased. The letter stated that I had until XX/XX/22 to respond if I needed additional information related to the debt. After doing my own research, I determined that I need account detail because I believe that the accounts were already paid off. One account listed I was able to tie back to a paid in full letter the other 2 accounts did not have any recognizable information. I mailed a response on XX/XX/22 to request additional information. 

To date no information has been received. However, I received a notification that Phoenix Financial Services added 2 collection accounts to my XXXX Credit report on XX/XX/22 despite my letter stating that I had until XX/XX/22 to request account information. On XX/XX/22 I mailed another request via USPS priority mail w/ tracking to request the information again. The letter that I received is deceptive and damaging. Ive worked extremely hard to pay off outstanding debt to have this happen. Adding the debt to my Credit report before the date on the letter is a form of harassment in my opinion. No one wants to see collection accounts on their report or have their credit report impacted.

Company response to consumer: Closed with explanation