BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-22
Company: Atlantic Recovery Solutions LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX balance in full XXXX Settlement Amount I called in this afternoon to discuss a debt that I was paying each month because I recently had the debt card we were using to make auto pays compromised. I spoke with three reps XXXX XXXX, XXXX XXXX, XXXX XXXX. I wanted to just move the XXXX pmt to XX/XX/XXXX since I was unable to pay the full amount. XXXX XXXX told me I couldnt change the payment plan because they need a payment for XXXX. I ended that call and received a call back from the other rep XXXX XXXX who said she was returning a call that dropped and after I told her what I needed to do with the acct she told me that I can not dictate my own debt and they will see me in court and hung up. I called back and spoke with a compliance supervisor by the name of XXXX XXXX. XXXX did take the time to listen to my situation and helped me get to a resolution that both of us found reasonable. She said the rep would be reprimanded for threatening me with legal actions. I Felt threatened when I was told I would be sued over trying to make payments on an account Ive been paying since it got moved to their company. XXXX did help me feel more at ease but I still dont like the practices that company is training to their employees, because who knows how many people they tell that on a daily bases and actually get to pay with the deceiving collection tactics.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I originally had my loan with XXXX XXXX XXXX. They sold the loan to XXXX XXXX. XXXX XXXX showed me 4 months behind, and when I told them that was inaccurate they promised to send me a statement of payments sent by XXXX. They never did. XXXX then offered a payment plan. I qualified but they never sent the plan. They then sold the loan to XXXX XXXX. Now XXXX XXXX has told me that they can not read the transaction activity sent by XXXX and have refused to send me the information. I have requested this information from the Account Manager Mr. XXXX. He told me that XXXX did not send all the information and he was still awaiting information from my file. In the meantime they refuse to take payment. I have made simple request for information that I am entitled to and have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: The CMI Group, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got a collections account pop in my credit report state, I never get any XXXX letter from the collections agency, I called XXXX and their records doesnt match my information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
Company: EQUIFAX, INC.
State: VA
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a card approval. The account listed below is not mine. I sent in multiple letters that I attached here as proof. I haven't received any feedback about my complaints. I don't understand what is really happening? Your help is so much appreciated. 

XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, INC.
State: FL
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:
Unknown Company never authorized inquiry, do n't even know or am a where of Company never owned or applied for a mortgage. Called them multiple times they are unaware of who I am never in there system. XXXX XXXX Report XXXX XXXX from XX/XX/XXXX MISC, XXXX XXXX XXXX XXXX XXXX NJ XXXX Equifax Report XXXX XXXX from XX/XX/XXXX MISC reporting agencies XXXX XXXX from XX/XX/XXXX MISC reporting agencies Please delete updated reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I changed my home owner insurance on XXXX because the insurance was way to expensive.I called the company which is vanderbilt mortgage.I told them i switch and want them to stop taking escrow out since i pay my own taxes and now my own insurance and they told me to cancel it and put in escrow.they took money in XXXX. and XXXX.I am on a fixed income and need the extra money which now stands at $ XXXX.they should not take the money when there is nothing to use it for.

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 2020-08-18
Company: Caliber Home Loans, 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: Account information incorrect

Complaint:
Due to COVID, I lost my employment. As soon as the CARES Act was created by the government, I applied to receive delayed payments in XXXX. Caliber Home Loans approved of my application, and my mortgage payments were entered into forbearance guaranteed by the CARES Act. 

I was issued a ninety day forbearance. When that was about to expire, I called Caliber Home Loans again in XXXX, and I was issued another ninety day forbearance period. My forbearance was guaranteed until XXXX. 

I sold my house on XX/XX/XXXX, while still under forbearance. Yet, my credit company notified me that my credit report now had a 90 day delinquent payment reported to them. 

I contacted Caliber Home Loans to make them aware of this, but they refused to change it- despite the documentation that I have to prove that I was in forbearance under the CARES Act during the missed payments. 

I have settled the loan- paying it off in full prior to the expiration of my forbearance. Therefore, there were no delinquent payments, and I would like to have that removed from my credit report. 

Please see attachments for proof of my correspondence with Caliber Home Loans, the payoff requests, the fact that I was in forbearance and any other pertinent information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
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:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

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 in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts 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 each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed 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 2019-08-30
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed National Credit Systems , Inc. my first communication by mail on XX/XX/XXXX. My letter requested that the debt collector provide validation of the collection account they are reporting to all three credit reporting agencies. I received a response back on XX/XX/XXXX from National Credit Systems , Inc. which included a Move Out Statement ( XX/XX/XXXX ) from XXXX XXXX, but did not validate the debt they are claiming I owe per the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

NCS Account Number : XXXX Current Creditor : XXXX XXXX XXXX / XXXX Client Account Number Ending : XXXX Balance : {$4300.00} as of XX/XX/XXXX per their last I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. Therefore, if National Credit Systems , Inc. chooses to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired and I may have turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Experian Information Solutions Inc.
State: ND
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 a victim of identity theft and have been a victim of identity theft for over 11 years. The following 2 accounts and credit inquiry are fraudulent : XXXX/XXXX XXXX, XX/XX/17, XXXX/XXXX XXXX, XX/XX/17,  XXXX/XXXX XXXX XXXX XXXX, XX/XX/17, Further, I want the following personal information added to my credit report : Employer : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX, Phone : XXXX Position : XXXX XXXX XXXX XXXX Annual Salary : {$150000.00}

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 2018-02-24
Company: Ocwen Financial Corporation
State: MA
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 provided the following information to XXXX, XXXX, and OCWEN Loan Servicing LLC : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copies of the reports I received from XXXX and XXXX. 
This item, OCWEN Loan Servicing LLC, Home Equity Line of Credit is inaccurate because the date of first delinquency ( DOFD ) is either missing or inaccurate. As a result, the negative information associated with this specific tradeline is listed in my consumer file longer than legally permissible. 
The XXXX report does not specify a DOFD. The XX/XX/XXXX report indicates a Last Payment Made of XX/XX/XXXX. More than ten years ago. In addition, the property securing the Home Equity Loan was foreclosed on in XX/XX/XXXX. I have enclosed a copy of the Foreclosure Deed as additional proof. The Foreclosure Deed was recorded in New Jersey with the XXXX County Clerk on XX/XX/XXXX. 

I am requesting that the information in your records be corrected and that the item be removed from my XXXX and XXXX credit reports to correct the information in my file. I have disputed this item with XXXX and XXXX and have not been given an explanation as to why the file has not been corrected. 

Enclosed are copies of the Foreclosure Deed and the relevant portions of my XXXX and XXXX credit reports along with the disputes which support my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

OCWEN is providing incorrect information to XXXX and XXXX. There were no payments made in XXXX. The last payment date shown by XXXX  is XX/XX/XXXX. The date of first delinquency is over ten years ago. In fact the property securing the loan was foreclosed on and the foreclosure deed recorded on XX/XX/XXXX. Nearly nine years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
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: Was not notified of investigation status or results

Complaint:
I DISPUTED A COLLECTION ACCOUNT IN MY CREDIT FIL(XXXX XXXX) FOR THE AMOUNT OF XXXX   DOLLARS.THE AFOREMENTIONED ACCOUNT WAS DELETED FROM MY FILE IN XX/XX/2018.I DISCOVERED THAT THE SAME ACCOUNT RE-APPEARED IN FILE ON XX/XX/2018.I DID NOT RECIEVE A LETTER OF THE REINSERTION WITHIN THE FIVE PERIOD AS PRESCRIBED BY FAIR CREDIT REPORTING ACT(SECTION 611). THIS IS A CLEAR VIOLATION THAT SAID ACT.

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 2020-12-12
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:
AFTER GIVING THE CREDIT REPORTING COMPANY THE POLICE REPORT THEY STILL REFUSE TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: VA
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:
My mortgage lender requested my credit report from Equifax, XXXX  and XXXX XXXX via Equifax Mortgage Solutions. Equifax Mortgage Solutions collected my credit report from XXXX  and reported it to me in a document called " Credit Score Disclosure '' and to my lender. The disclosure indicated that my XXXX  Credit score was XXXX and that 4 key factors were adversely affecting my score including : " 12 length of time revolving accounts have been established, 01 amount owed on accounts is too high, 14 length of time accounts have been established, and 10 ratio of balance to limit on bank revolving or other rev accts too high. '' After receiving this disclosure we requested a copy of my credit report from XXXX. My XXXX  report listed only 1 revolving credit account with a low balance, and a note on that account indicating that the balance was " low '' - not " too high. '' There was no revolving account on the report with a high balance. We contacted XXXX  to ask them why they reported different information to us than they reported to Equifax Mortgage Solutions. XXXX  told us twice in two different phone calls that they did not make those comments about my revolving account balance and that we needed to discuss the matter with Equifax Mortgage Solutions - and in fact my report from XXXX  says I " have no negative factor impacting [ my ] score. '' XXXX  said that they did not report that the account balance is too high, they explained to me that Equifax Mortgage Solutions derive their own conclusions from the information they received from XXXX. Next I called Equifax Mortgage Solutions, they said that I can not dispute these comments with them, that I need to contact XXXX. XXXX  is asserting that they did not provide any negative comments. The net result of this is that my credit score which Equifax Mortgage Solutions reported to my lender is lower, there are inaccurate comments about my accounts that are adversely affecting my score - and neither Equifax Mortgage Solutions nor XXXX  are taking responsibility. In fact these two companies are refusing to let me dispute this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had financed a Mortgage with Wells Fargo Mortgage unfortunately through our prior lender, through the assignment process, not our personal choice. 
During COVID our account was in forbearance as I lost my income. 
Each month our PMI was paid from escrow while in suspension, along with homeowners insurances. 
We eventually sold the home due to issues with Wells Fargo, it was most convenient for us not only be rid of them as a financed, but for us to continue to maintain the mortgage as well. 
We were quoted a payoff including XXXX and XXXX pmi amounts, which were taken from escrow on XXXX and then on XXXX Through the normal process. 
When the mortgage was paid off on XXXX, PMI was taken from escrow again and then again on XXXX from escrow after the loan was paid in full. This emptied our funds after being confirmed we would have a refund of at least {$280.00} which was in the escrow account. 
Next conversation was that these pmts in XX/XX/XXXX and XXXX were to pay the PMI for XXXX and XXXX as they are paid at the end of the month and the loan was paid in full on the same day they were paid. 
However, these 2 months were included in the payoff amount, which adds up to the detail payoff amount sent from Wells Fargo to me to provide to the title company as Wells Fargo would not release the info to them, as well as taken monthly thorough reoccurring escrow payments. 
I would like an explanation of their error and my refund processed ASAP.

It has been one thing after another with Wells Fargo this year and they continue to scam my funds for their own benefit.

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 2018-10-22
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is followup to the complaint of XX/XX/XXXX # XXXX-XXXX. XXXX XXXX XXXX XXXX removed the disputed information. On further investigation, I discovered Early Warnings continues to report disputed information although it was clear that the banking issues was related to actions of my ex-husband XX/XX/XXXX. I had attached the Enforcement Order in the original complaint but Early Warnings is requesting another dispute! How many years and rounds in the rings I need to endure to obtain my name back? The banking system ultizes Early Warning and this information is used to flag at risk consumers without any facts and, or evidence. I have disputed their detailed report. Their response was to state that I need to dispute every item on the list! These regulatory agents should have oversight and more importantly to protect the best interest of consumers ; treating them with respect and dignity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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:
On XX/XX/2020 I received information from XXXX that an investigation was done on my behalf to prove that this account was mine. I still havent received any information as to the accounts listed in my Initial disputes. For instance, they are four XXXX XXXX Accounts that are questionable. I have yet to received any written documents stating these account are mine with my signature. They keep stating that they verified these accounts but I have yet to receive anything that states these account belongs to me. This is the second request for these items. Per FCRA 601. ( A ) by Federal Law Im supposed to received written documentation stating with my signature showing these accounts are mine. Without that, these accounts are to be removed from my credit files 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