BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage has not made any attempt to help us save our home from foreclosure I did fall behind on my mortgage, but I was unaware that the payments were delinquent, since my daughter was suppose to make the payments. Only when we were in foreclosure did we realize that our home mortgage was delinquent. As soon as we were aware of the delinquency we contacted Carrington Mortgage, but all they said was that we were in foreclosure and we needed to pay the entire past due amount. This was impossible and they never offered any other solution. As it turns out, if they would have offered us the opportunity to begin a loam modification process, we would be able to save our home. We now have a foreclosure sale date scheduled for XX/XX/2019 and we are afraid our home will just be lost through the sale. We moved out of our home to take care of XXXX brother who needed constant care. My daughter stayed in our home and was making the payments since she had a great job. However, she lost her job and got hurt, but didnt let me know she had financial difficulties and was behind on the mortgage. If we had known of the delinquency, we would have stepped up and made the payments. However, now that we are in foreclosure, we do not have all the money up front. We tried to work things out with Carrington, but we were given the cold shoulder. There was no discussion about applying for assistance and we felt that there was nothing we could do. We have never refinanced or had our loan modified and just want the chance to keep our home for our retirement. We want a chance to properly have our loan reviewed based on our current financial and see that our loan qualifies for relief options. We are stable financially and can afford our house payment, but had access to programs that would save our home. I am appealing to your agency to help us keep our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: 21ST MORTGAGE CORP.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX I filed bankruptcy following that the mortgage company had the mortgage withdrawn from the bankruptcy. I was not told to reaffirm so I didn't not knowing to do so XXXX we got behind on the payments due to illness. the company sent me a letter to talk to a hud financial adviser and could not reach with the numbers that were sent in the letter. I looked on line and found one and spoke with them and was told the company I am dealing with is a predatory lender and no longer owned the home. It could work out one of three ways, I could pay the home off and never get a title or I could pay the home off and then pay them rent cause they own it or because it is a double wide they could come and take it when ever they wanted. Then the man said I am giving my money away and to stop making payments. I am now still to this day liable for making the taxes and insurance because they are not taking the house out of my name. I spoke with the loan officer at my personal bank and because they are a predatory lender they didn't want to work with them either. In the middle of XXXX we ended up in court. I explained to they other attorney what I was told and they told me I don't get to live there for free then they wanted a monthly payment beyond what my family can afford option 2 was to pay it off or get out. We had to move out by XX/XX/XXXX and I have gotten no reimbursement and have had to pay insurance and making payments on a home for 8 years that I had no chance of owning. They now want {$12000.00} and when I want to buy it was {$23000.00} and would not work with me. I am now homeless and could use some help The Mortgage company is 21st Mortgage Corporation XXXX XXXX XXXX XXXX TN XXXX Phone is XXXX the Account number is XXXX Serial Number for the home is XXXX The Attorney that represented them is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts XXXX XXXX. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

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 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Mortgage loan balance is incorrect

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 2020-08-31
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: Their investigation did not fix an error on your report

Complaint:
I've reached out to XXXX  with three letters with no response at all. 

I also sent letters to XXXX, XXXX  and experian asking for them to verify certain accounts with the following law below but no proof was sent by any collection agency or original creditor. 

" You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2021-01-26
Company: RentDebt Automated Collections, LLC
State: KY
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:
On XX/XX/2021, I mailed a letter to XXXX informing the company that it is reporting inaccurate and unfair information. This was pertaining to a report made by a company called RentDebt, XXXX XXXX XXXX, XXXX XXXX, XXXX TN XXXX. RentDebt was hired by XXXX XXXX XXXX and they allege that I owe {$5200.00}. XXXX failed to investigate my letter but instead sent me a copy of my Experience credit file with a note claiming that the debt was verified as accurate. XXXX did not indicate what steps it took to verify accuracy or fairness nor did XXXX provide me with any documentation from either RentDebt or XXXX in support of its finding. 

I do not owe XXXX XXXX XXXX. When I moved out, my apartment was in pristine move in condition. XXXX XXXX representatives and I agreed on a move out date and never discussed any fees. Additionally, because my apartment was left in move in condition, the company was able to quickly move in a new resident. XXXX can not be doubly paid for occupancy. Both XXXX XXXX and RentDebt are fraudulently attempting to collect a debt not owed. XXXX is facilitating this fraudulent debt collection by reporting false, inaccurate, and unfair information.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN IN MY NAME SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America offered a promotion in Summer XX/XX/XXXX for a 0 % interest credit card until XX/XX/XXXX. 

I needed to buy an appliance that was on sale ( {$3500.00} ) and wanted to buy it with the 0 % interest card. I applied for the card in XX/XX/XXXX and was approved. But the card never came. Three weeks passed and still no card. Finally by XX/XX/XXXX, I was forced to buy the appliance on a different ( non-0 %  interest ) credit card because the sale was ending. When I called Bank of America they told me they would have to mail me another card. At this point though the card was useless because the whole point of getting the card was the 0 % interest promotion. I told the customer service rep to just cancel the whole thing and forget that a card had ever been issued. The customer service rep told me that instead I could transfer the {$3500.00} charge and Bank of America would waive the balance transfer fee. ( Effectively giving me a 0 % interest purchase. ) I agreed. 

Imagine my surprised when the month end statement comes and I see that I was charged a {$150.00} balance transfer fee! 

I immediately called Bank of America and told them of the mistake. It took me two calls to resolve the issue and finally two months later on XX/XX/XXXX, I saw the {$150.00} balance transfer fee returned. 

Everything went fine for a couple months. I made payments on time and had no more issues. But this would not be my last run in with Bank of America customer service. 

In XX/XX/XXXX, I went on a trip out of the country. I paid my credit card bill but because of the time difference I messed up when the last payment period was and missed the payment. Payment window closed on XX/XX/XXXX. I immediately made a payment on XX/XX/XXXX and asked if the late fee ( {$39.00} ) could be reversed. 

The customer service rep told me it could not. 

I called two more times ( XX/XX/XXXX ; XX/XX/XXXX ). Finally, I was told that the reason I could not be refunded the {$39.00} was because I had already been refunded {$150.00} from the balance transfer incident. I explained that the balance transfer payment was made in reliance on a claim by Bank of America 's customer service rep and that I was paying for a mistake that Bank of America made! I asked to be redirected to customer retention and to compliance. Neither of those departments made any effort to examine my situation. They only told me that the {$150.00} fee that I was already " credited '' was blocking any " award '' they could give me. I told them this was completely ludicrous since the {$150.00} was charged based on Bank of America 's own mistake! 

I want my {$39.00} back. I wish I had never opened a card with this terrible bank.

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 monetary relief
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am contacting you because I keep reaching out to the credit bureaus to update my balances and and remove the fraudulent credit inquiries off my reports as there should be none. This is all causing a tremendous amount of unnecessary stress and I am XXXX and so is my son so you can only imagine what this is doing to me and my child as I am trying to move and do to false information on my credit report is causing things to be even more difficult. XXXX is definitely doing illegal things to lower my score like deleting positive things off my report instead of fraudulent things and leaving things on my report like the fraudulent XXXX XXXX credit inquiry which I provided them with a police report and they still haven't removed it yet nor have they updated my balances. My information was in there data breach but they still refused to give me my points back that they found away to take back at this point if they don't stop reporting inaccurate information I will be pursuing a lawsuit because there actions are unfair to me and my XXXX child and we may end up homeless do to there false reporting.

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 2019-08-20
Company: CITIBANK, N.A.
State: TN
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 recently filed a dispute with CBNA in regards to a supposed inquiry that the company claims I made in XX/XX/2018. In there response they did not verify ANYTHING. They are saying that I inquired for credit online. They have not provided proof of a WET SIGNATURE or considering it was supposedly done online, they have not provided an IP ADDRESS associated with my home address. They don't have any of that because I never inquired for credit.They have not and can not provide documentation proving any such inquiry was made by me.

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 2020-12-01
Company: Experian Information Solutions Inc.
State: FL
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:
Theres fraudulent accounts on my credit reports. I been disputing very ling time and they dont help. Please help me.

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 2020-12-01
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed a Chapter XXXX and included a debt that is now with a collection agency, XXXX XXXX XXXX. XXXX XXXX XXXX is refusing to remove the account or update as included in my Chapter XXXX Debt. I provided Experian with the Chapter XXXX Information but they refuse to remove or correct the information on my credit file. My trustee confirmed that the original creditor, XXXX XXXX, has received ( 2 ) payments. XXXX XXXX received {$26.00} XX/XX/XXXX and {$23.00} on XX/XX/XXXX. These amounts are not be reflected on my credit report. Experian is allowing XXXX XXXX XXXX to report a past due balance, missing payments, and late payments.

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 2018-03-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My whole identity has been stolen. Hacked and frauded. Fraudulent mail and email / phone hatched

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation