BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX bought my loan from XXXX XXXX XXXX. Before XXXX XXXX XXXX took over my loan I never had a problem. 24 years on time posted payments.. Now they are claiming that I missed payments. I explained my bank shows all were made on time through an Ach and cleared. Still after submitting more documents from my bank they claim they do not have payment for XX/XX/2018. This is ridiculous dealing with this company.. They dont know how to post payments and want the consumer to figure it out for them.. They even hit my credit score.. I have not missed a payment and all submitted bank records show it so.. What do I do?. This company should be severely fined by the banking regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I contacted MoneyLion several times to cancel my paid membership and was told I can't because I still have an active loan that is pending collections. I told them the debt owed was included in my Chap XXXX bankruptcy filed on XX/XX/20 and discharged XX/XX/20 and I could provide documentation to prove it. They said the bankruptcy hasn't gone through on their end and I have to wait until that happens before I can cancel the membership. They continue to charge me a weekly fee for a service I am not using. The debt is being reported as included in my bankruptcy and showing a XXXX balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: OH
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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 United States Code 1681a ( XXXX ) You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 United States Code 1681a ( XXXX ). You did not exercise your grave responsibility, you were unfair, you were partial. I am filing a CFPB complaint, and shortly I'll be filing an Attorney General complaint. You never had a permissible purpose Under 1681b ( XXXX ). I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I was impacted by the data breach and my credit scores have suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 I REVIEWED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNT ( S ) THAT I DIDN'T AUTHORIZE ON MY CREDIT REPORT AND IT'S PREVENTING ME FROM RECEIVING CREDIT ; I also Noticed fraudulent Inquires that I did not Authorize or consent to be on my consumer credit report. On XXXX XXXX I sent an 1 ) identity theft report ; 2 ) Copy of my ID ( proof of identity ) 3 ) copy of my consumer ( credit report ) ; and a 4 ) Copy of the Fair Credit Reporting act 605 B.

I also called equifax letting them know that In order for them to report something on my consumer report that they need my written consent which they did not have for none of the accounts or inquires on my consumer report pursuant to 15 usc 1681b ( a ) ( 2 ) ; I also informed them that they could not report anything factual between me and what all of those alleged creditors are saying what happened pursuant to 15 usc 1681a ( 2 ) ( A ) ( i ) ; and excluded from a credit report should be any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. After Putting Equifax on notice the accounts are still on there making them civilly liable for willful noncompliance pursuant to 15 usc 1681n and conspiring to be apart of this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: CASHCALL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XX/XX/2011 I got a loan from CashCall in California. I had to go into the office in XXXX and pay every month XXXX.For two years. I heard they were illegally charging too high interest so I stopped payments. Now 7 years later I need a charge off letter from Cashcall to get a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: FIRST HORIZON BANK
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I apply for a small business loan through the SBA of {$19000.00} and got approve and the money went to my personal account on the XX/XX/XXXX instead of my business account that was a error on my end for submitting the wrong account number so the money went to my personal account and I got a call from XXXX from XXXX stating she was gon na send the money back to SBA so I contacted SBA letting know I gave them the wrong account number and they said once they got the money back from XXXX XX/XX/XXXX they would put my application in the revise status and make the corrections however my money has still been sitting at XXXX because XXXX decided that she want to report to the fraud department, Secrect service, the police, and Gods know who else like I am a criminal and have commented fraud because she assumed just because I don't have a business account with that bank I don't have a business, she assumed wrong and took matter into her own hands as if the XXXX XX/XX/XXXX gave me a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom this may concern, While reviewing my credit report on ( XX/XX/20 ), I noticed an incorrect and fraudulent collection account from ( Enhanced Recovery ). I do not have an account with Enhanced Recovery and do not agree to debt. I have no knowledge of this account nor have I done any business with this company. I do not have a signed and dated agreement from ( Enhanced Recovery ) I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor XXXX XXXX I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Specialized Loan Servicing Holdings LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a Conventional Mortgage that has passed the 78 % threshold and meets all the guidelines stated in the Homeowners Protection act that should automatically trigger the removal of the PMI payment on my account. I have inquired with my Loan servicer to confirm that this will be taken off my account, they have replied that my PMI will remain even after meeting these requirements. The company is Specialized Loan Servicing ( SLS ) SLS.net They are refusing to get the PMI taken off of my account and will continue payments out of my escrow account. I have messaged and called on this matter and they are saying that they are unable to remove the PMI. The initial request was on XX/XX/ and the follow up call occurred on XX/XX/.

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 2021-07-13
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian is not removing a fraudulent account from my credit report. I was sent into collections by XXXX XXXX for a debt I do not owe and after it was removed once, 5 years later it is back on. Experian removed it 4 years ago, and is not removing it this time.

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 2015-06-17
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX we did a Loan Modification on our XXXX and XXXX Mortgage. XXXX XXXX XXXX was our XXXX Mortgage Company. They agreed to a modified monthly payment of {$100.00}. Sometime in XX/XX/XXXX the XXXX Mortgage was sold to a company XXXX XXXX and we continued our {$100.00} a month payment as agreed. In XX/XX/XXXX or XX/XX/XXXX XXXX change there name to Shellpoint Financial. In XXXX XXXX we were reviewing my Credit Report and found we have late payments reported by Shellpoint. ( It should be noted that during all this time we continue to make our agreed payment of {$100.00} a month ). We contacted Shellpoint and after several calls without getting anywhere and wanting to remove the late payments from my credit report we sent them an extra payment of {$300.00} in XXXX XXXX and extra payment of {$200.00} in XXXX XXXX. This extra payment were made because Shellpoint refused to help us in anyway or explain to us why we had late payments on my credit report. On XXXX XXXX, XXXX I checked my credit report again and found out that there are still several late payments. I contacted XXXX and spoke to XXXX XXXX and she refused to work with me or explain why this happen. I have tried hard to clean up my credit report and I do not feel that is right that they are showing a late payments when we have made our agreed monthly payment since the beginning of the modification. The Following breakdown of payment for the last 12 months of my bank records as follows:XX/XX/XXXX - $ XXXX - $ XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XX/XX/XXXXXX/XX/XXXX - {$100.00} Payment for XX/XX/XXXXXX/XX/XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XX/XX/XXXXBecause of there errors it 'll affect my ability to buy a new home or obtain any credit. Any help you can gave me regarding this matter is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Ive been a victim of identify theft and fraud, having multiple withdrawals from my EDD account, with a card issued by Bank of America. 

On XX/XX/2021 my husband drove me to the bank to cash my XXXX. There was no money available, so checking my statement I saw that on XX/XX/2021 {$1000.00} was withdrew from the account, and on XX/XX/2021 {$20.00} was taken, leaving the account almost empty, since my XXXX amount was {$1000.00}. I called Bank of America immediately and opened a claim, which it has been denied without any explanation or reason. Claim number XXXX. I had explained to Bank of America that I was XXXX couldnt not even drive on my own. I had the card with me, and nobody had access to it. I bagged them te refund the stolen amount since I had to pay for my health insurance before XXXX XXXX 


On XX/XX/2021, {$1000.00} was again taken from my account. My baby was XXXX XXXX XXXX  and because I was recovering from XXXX XXXX XXXX and because the pandemic I didnt leave the house on my own. I called Bank of America to inform but never received a communication about a second claim. 

In desperation, I called the police. Attached is my police report information. 
Station : XXXX XXXX  Report number : XXXX Classification : identify theft Date : XX/XX/2021 Deputys name : XXXX XXXX I have tried to call Bank of America numerous times to reopen the claim unsuccessfully. Besides the attendants from XXXX  been impolite, the calls always fail, or suddenly the attendant can not hear me anymore and asks me to call again. So I am unable to reopen the claims and have this matter resolved. 

Bacause I cant communicate with them over the phone, I sent them an email today, XXXX kindly asking Bank of America to reopen my previous claim, and investigate the third illegal withdrawal where {$1000.00} was stolen from me, and to refund my account with the total amount of {$2000.00} that EDD deposited as my XXXX. 

Highest regards, 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 explanation
Consumer complaint received 2021-06-08
Company: Atlanticus Services Corporation
State: CO
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:
Orginally applied for an account through XXXX for a sandbox. Thought the creditor was XXXX. Purchase was for XXXX on XX/XX/2021. I never got a written or email statement from Fortiva. I got a text message on XX/XX/XXXX for XXXX minimum payment due on XX/XX/XXXX. Never received an exact balance due notification. I tried paying on the link several times with both debit and checking information but kept saying it didn't go through. I still couldn't figure out who the creditor was. Think it was XXXX I get a threatening letter so tried the link again. No account information on this letter either. Just I needed to pay XXXX or XXXX bucks or they would do everything in their legal power. Link still didn't work. Now getting the same kind of letter with no account information. Just threatening text. Just says to call office promptly to pay {$90.00}. I don't have an exact amount, account number, or statement ever provided. Other reviews state this company is making false charges on their checking account if they give this information over the phone. I am terrified to do this. They are not XXXX  accredited. I would like a secure payment method, an actual statement, additional charges removed since this information was never provided, and off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: MO
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'm constantly seeing inquiries on my credit file inwhich I have no knowledge of and for that reason alone I'm asking that they be removed from my credit file 1, XXXX XXXX ( XXXX18 ) 2. XXXX XXXX ( XXXX18 ) 3. XXXX XXXX ( XXXX18 ) 4. XXXX XXXX ( XXXX-18 )

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 2021-07-13
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 noticed fraudulent accounts on my credit report which led to me filing a FTC report. I mailed the report certified to Transunion and it was received by Transunion on XXXX XXXX. I have a green receipt of reception from Transunion in which I have included in this complaint. I also made a complaint prior to this one which was XXXX and Transunion said they needed my authorization so they can proceed/block the fraudulent accounts. These complaints are being made by me and no one else. You have my authorization to delete these fraudulent accounts and inquiries immediately. I have provided a copy of my social security card and proof of address to confirm that I am making these complaints. You are taking advantage of me and infringing on my consumer rights. These fraudulent accounts should have been deleted/blocked from my consumer report MONTHS ago, but yet you are still taking unjust advantage of me. You are hurting my reputation with the banking system and I'm unable to access my full faith in credit! Not only should these accounts have been deleted, but they never should have been furnished in the first place. Pursuant to 15 usc 1681a ( 2 ), which is the EXCLUSIONS section, consumer reports should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. CREDIT CARD meaning my social security card pursuant to 15 usc 1602 ( L ). I DEMAND THAT YOU DELETE the fraudulent accounts NOW! I also never gave you WRITTEN PERMISSION to furnish ANY of these accounts pursuant to 15 usc 1681b ( 2 ). My consumer rights and my right to privacy are being violated KNOWINGLY!! I WILL SUE!!

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 2020-09-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I got divorced 4 years ago in the divorce I took over the mortgage payment, the home was quick deeded into my name as directed by the court. I alone have made the payments since then. My ex wife is on the paperwork I have tried to contact the company servicing the loan on numerous occasions by mail and voicemails left without a response, I am trying to see what needs to be done to have her removed from the paperwork, I do not want to have to refinance the home. This company has been unresponsive

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2016-03-11
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX continues to claim I owe them {$900.00}. I have never opened an account with XXXX and they can not supply you with a single signature or contract which I have signed proving so. This collection agency has n't even contacted me to resolve any issue. They directly went to the credit bureau reporting me which is also against FCRA policy. This has been deleted from my credit report 4 different times with XXXX different collection agencies. Please assist me with this. Further proving my point, they also had an address on file for me that I 'd never lived at before. I attempted to explain this to XXXX and they acted like they would remove my name from the debt. Afterwards, I began receiving bills for {$900.00} from debt collection agencies. I get at least XXXX I have to request removal from my credit report twice a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TrueAccord Corp.
State: CA
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 received an email from a debt collection company called True Accord. The problem is that there is not enough information about original creditor. In short the emal refers to a bank account and charges that were applied to a bank card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, 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:
I have 2 inquiries on Equifax and 1 inquiry on XXXX  that do not belong to me and I have reached out to the banks and they told me they will remove it and that I should also to reach out to the credit bureaus, I have done so. As of today they are still on my report. This is causing me major damage in obtaining a mortgage and financial damage. 

The inquiries are : XXXX XXXX and XXXX  on XX/XX/20 EQUIFAX XXXX XXXX on XX/XX/20 XXXX

Company response to consumer: Closed with explanation