BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: RENASANT CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My bank has informed me that there is negative information reported by : Renasant Bank included in the file XXXX   maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing a ACCOUNT ABUSE in XX/XX/2018. 

I do not recall having an account from this bank in 2018. 

Please validate this information with Renasant Bank and provide me with copies of any documentation associated with this checking/savings account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. I am doing this on my own behalf.

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 2020-11-16
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 XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX  and XXXX XXXX XXXX  XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.

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 2017-08-03
Company: EQUIFAX, INC.
State: PA
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:
This is regarding XXXX XXXX , XXXX at XXXX - This account is still being reported to the Credit Bureau ... EQUIFAX & XXXX. This account is closed long ago and still showing on my report. Account opened in 2005 ... .Bureau notified but will not delete this account. All the bureau does is verify the data and keep it on the report. Nothing to verify ... ..Account closed for over 10 years. Please have Equifax & XXXX remove the account - XXXX did comply and removed the account from my report due to the AGE of the account - No more valid or serving a purpose to keep having this on my credit report. This is a violation to continue to report this very old account. Thank you ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We are furthering our complaint because Ditech has not comply with contacting us. We need to clear up the late payment marked on our credit. XXXX was attempted to be paid and we did everything we were instructed to do. We understand misunderstandings but we have never once been late on a payment and do keep in contact. I would appreciate any form of making steps to fixing our credit. We payed for over a year straight without late payments and have records from my phone service that we did indeed have contact with someone about XXXX. This needs to be cleared up I will keep making complaints until we get contact from Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: I.C. System, Inc.
State: FL
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:
This been happening since 2018 different collections agency has been trying to collect a debt that I have with XXXX XXXX XXXX.So I never signed any contract with this company and im an att regular ccustomers now this company IC SYSTEM they keep reporting to credit bureaus that I have a debt and before other collections agencies tried to do the same thing but always have been removed because they don't have any proof of this debt.

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 2019-11-14
Company: Synovus Bank
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
First Progress bank Account number XXXX unverifiable account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have asked you guys to look into this issues on my reports and nothing is happening. Please review the documents below

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 2020-10-15
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1994 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit  Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

1. XXXX Balance {$530.00} 2. XXXX/XXXX {$440.00} 3. XXXX XXXX ( Original Creditor : 06 XXXX  XXXX   XXXX XXXX ) {$980.00} 4. XXXX XXXX XXXX  {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I made every one of my mortgage pays for the year of XXXX, I have never missed a monthly payment in the 7.5 years of having my mortgage. I am current now also. Indicating my character as a customer. Every month of that year ( XXXX ) Specialized Loan Servicing, has taken my escrow payment for my taxes and home insurance of {$240.00}. They have admitted this, every time I have called, ( I can provide call info history upon request ) also their own site shows this, which a representative have admitted while looking with my at my on-line account. 
I received from them a 'Escrow Account disclose statement ' that shows that I owe an extra {$510.00}. The reason it shows this is because all of my escrow payments that they took ( 12 ) are not included in the 'payment to escrow ' column on page 2 of the report. ( I will enclose a copy of ), only 10 of the payments are. Instead of going from XXXX of XXXX to XXXX of XXXX, they erroneously start at XXXX of XXXX and then go to XXXX of XXXX with in estimated pay! Its very simple, I paid in, according to their own records {$2800.00} for the year, they paid out, under 'What We Paid Out ' column {$2800.00}. I paid more in then they paid out, but they tell me I am {$510.00}!!! 
I have called XXXX 4 times, been on phone for at least 5 hours, talked with the Escrow dept, many other reps, hung up on, had this escalated, told every single time that I was correct, or they saw the error, but they will not correct it, according to them they NEVER note the account, I ask them to read notes each time I called back, and they say the notes are not there.

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 2020-09-03
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Grant & Weber collection agency is intentionally, and fraudulently, damaging my credit. They received this debt from a medical procedure that was performed on me in 2013 - my employer was supposed to cover the cost of the procedure, but then reneged and lied to the hospital about the status of my insurance coverage ( separate issue ). Since 2013, Grant & Weber has charged over {$5000.00} in interest on the collection account. In addition, they have reported to the credit bureaus EVERY MONTH a 'failure to pay ', even though I never established a payment plan with them. This monthly logging of the 'XXXX  ' is causing the account to be refreshed/renewed each month, instead of progressing through the fall-off period. They are intentionally, and fraudulently, reporting it this way so that the debt can not fall off. I have contacted Grant & Weber to dispute the debt, but they refused to investigate, and refused to help me with the original creditor.

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 2019-05-30
Company: Riverwalk Financial Corporation
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 information incorrect

Complaint:
This company which I hold no contact with nor have received services from reporting a collection account against my SSN in the account of {$1000.00} with XXXX  and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does a contract with me for goods or services they have provide not have they provided adequate proof I am not obligated to pay for the alleged debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: FinCo Services Inc DBA Current
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I intiated two XXXX transfers by linking my accounts together done on XXXX XXXX from one account to another both of them mine two separate accounts. Every since I have not been able to access my account. It has been restricted. The funds are from my retroactive unemployment. I have wrote multiple emails to them. They requested I send them where the money originated from w/ my name and last 4 digits of account #. I did still nothing. When I call the bank a recording automatically comes on and says my account is under review and I cant access live chat from the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Idaho Housing And Finance Association
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made my payment to my servicing company, HomeLoanServ, also known as Idaho Housing and Finance. On the XXXX of XXXX I reached out to just double check that my payment had been added to my account. It had not. I reached out to them via a phone call and email. I got a response back saying the issue would be resolved if I could provide proof I had in fact made my payment. I provided multiple screenshots as well as get the appropriate documentation from my bank. I received no response for a week. I reached back out on the XXXX and was told that this was an issue on their ( HomeLoanServ ) side and that my account would be fixed, I would not be charged a late fee and my credit would not be damaged with a mortgage late. However, they also stated they have no idea where my mortgage funds are, they also said this is happened to hundreds of people in Idaho, they also stated that this is due to the fault of an insecure payment portal tool that they use. They have yet to notify the public of the breach of security, missing funds or make anything correct with the consumers. Where is our money? Why was it not applied to our accounts? Why were we not notified? How many people are being charged late fees for their negligence?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: HOVG, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is against XXXX XXXX XXXX XXXX in the amount of {$1400.00}. This debt has not been validated as I have asked before. I need validation of this medical bill, they are not the original owners of the debt. I will not take verification. I also had XXXX so the debt need to be submitted correctly for XXXX can pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Ditech Financial LLC
State: LA
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:
In XX/XX/XXXX, we had a flood in XXXX XXXX. Over XXXX homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, Ditech decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust Ditech. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to Ditech in XX/XX/XXXX and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now Ditech is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of Ditech 's incompetence. Or are they just being vile? Ditech has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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: Personal information incorrect

Complaint:
I'm having issues updating and correcting personal information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been having an on-going dispute with Credit Collection Services for many months now. I have written the credit bureaus about this and have written letters to the collector. They keep sending me bills wihout providing the evidence I requested from them asking what right did they have to collect on these medical debts and to be reporting them on my credit, which is damaging my credit. XXXX XXXX violated my HIPPA rights and they divulged private information about my medical provider and now this third party is divulging and attempting to collect on a debt I never entered into agreement with. I asked them what authority they have to collect in my state, and to show me where I gave XXXX XXXX permission to divulge my private information. After several letters, these people continue to report these debts without having provided proper evidence as requested several times. 
I figured I would make a final attempt to correct this matter with Credit Collection Services by coming to you before I end up hiring a lawyer to represent me in court. I am trying to avoid taking things this far and am hoping for them to remove these debts from my credit or to produce the information I requested asking them to show where they have a right to collect on these debts. 
In my last letter to them I asked them for three things of which they complied with neither. 
1. Provide a breakdown of fees including any colletions costs and medical charges.

2. Provide a copy of my signature with the provider of services to release my medical information to Credit Collection Services 3. Cease and delete any credit bureau reporting until the debt has been validated by me. ( On this one, the File number is on the letter I have attached which is for all of the accounts they have a file number for in which they provided no info FILE number XXXX, yet after my request to cease and delete the accounts which they are reporting and including another bill they keep sending to me, they still continue to send me a bill. This is now considered harrassment. } Notice the date on the most recent bill and compare the date of my letter along with the receipt that they did receive my request. I have further evidence of letters I have written which I have all in file and I am tracking EVERYTHING.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020 my credit score on Experian dropped 81 points. The only changes were an inquiry for a refinance of my mortgage, and a lease for a new car after my car was a total loss in an accident. I spoke with several representatives at Experian who agree that nothing in my credit report has changed significantly, but they can not find out specifically why my credit score dropped by a huge amount. I would like to know the specific reasons and they won't inform me of anything. 

Incidentally, XXXX  and XXXX  have not lowered my scores at all. This tells me something is wrong at Experian.

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