BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 the XX/XX/2020 mortgage payment was paid through my bank that has provided proof of payment that the funds were received on XX/XX/2020. The Mortgage Company website reflects this payment received on XX/XX/2020, which consequently results in a 30 day late payment to be reported to the credit reporting agencies. 

On XX/XX/2020 the XX/XX/2020 mortgage payment was paid through my bank that has provided proof of payment that the funds were received on XX/XX/2020. The Mortgage Company website reflects this payment as received on XXXX 2020 I have contacted the company numerous times via telephone and by email ( which included proof of payment ) regarding the first matter since XX/XX/2020 and about both matters since XX/XX/2020. 

To date I have not been contacted by them and the errors have not been corrected.

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 2019-03-05
Company: ERC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My XXXX  account was closed in XX/XX/XXXX they are reporting that I just opened the account in XX/XX/XXXX. Called collectors they informed me they are reporting it that way because that is when they obtained the debt and thats unfair. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called on XX/XX/18 from a company going by the name " XXXX XXXX XXXX '' about an alleged overdraft amount of {$320.00} sent to them for collections from an old Wells Fargo account I had almost 10 years ago. They told me after fees the amount went up to {$580.00}. They followed that up with an offer to take off {$180.00} if I paid the remaining {$400.00} today. If I didn't then there would be legal action against me. It all began with someone calling me telling me important documents were waiting for me and they were quick and got me very nervous. It felt very sketchy. They rushed off after telling me to call XXXX regarding file # XXXX. I spoke with an " XXXX '' at that company and she told me that I had to pay. Her number is XXXX. Because it felt so odd I went to Wells Fargo to talk to them about this. The personal banker I spoke with spoke to someone and they told me that it looked like a scam. They said that they had no records of debt or anything sent to collections or any other 3rd party. Wells Fargo confirmed that I owe them no money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
At approximately XXXX on XX/XX/23 I spoke via chat with XXXX XXXX of Professional Finance Company with reference to account # XXXX. I informed her that the amount was incorrect. She informed me that it will be marked as disputed but will be reported to the credit bureaus. I do not owe the stated amount.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-11
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent capital service sent me a letter for purpose of collectibg debts with wrong fraud information of someone else, whose name is similar with my full name. I did not borrow any money from the company they said, and I found this in my credit report today. I have to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CCS Financial Services, Inc.
State: NY
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 recently found this account on my consumer reports on XX/XX/2021. I am not liable to this alleged debt with Credit Collection Services. I never entered into a contract or credit transaction with Credit Collection Services. Credit Collection Services is in violation of 15 USC 1692 b, this company is infringing on my right of privacy. Credit Collection Services is also in violation of 15 USC 1692 d and 15 USC 1681, accuracy and fairness of credit reporting. This is an inaccurate collection that has been furnished to my consumer reports which has resulted in my credit worthiness and reputation being ruined. It seems as though this company is a collection agency, however I never received any correspondence from this company notifying me of who they are, what debt they are attempting to collect. This company, Credit Collection Services, also is not licensed as a debt collection agency in NY. The two collections on my in the amounts of {$220.00} and account {$160.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: EQUIFAX, 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:
In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Early Warning Services, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was having a technical issue with my gmail account. I called the XXXX XXXX customer service number. A supposedly XXXX technician said he could help me and need to access my computer. He said it had been hacked. He said it would take an hour or so to fix and then it would be a charge of {$89.00}. When it was time to pay he got access to my bank when I was trying to pay online and changed the amount to {$990.00}. My bank said that they could not help me that I allowed it which I did not. They are unable to refund the money. Please do not trust the internet phone numbers. This was a total scam and I am so ashamed and angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The XXXX  Credit Bureau is reporting public information that is inaccurate. I asked them to verify method of investigation and they have refused to do so. I also asked them to remove derogatory information, address is incorrect. remove accounts that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
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:
Fnbo is violating my rights and reporting in correct information on my credit report. They are reporting late payments for months I have made on time payments on. I am in the forbearance program and was told my account would me listed current paid as agreed not late as I am paying now and the money is being withdrawn from my checking accounts. This company lied from the time I enrolled in the program and told me my credit report would be update and current with no lates now they are reporting XXXX XXXX and XXXX late but I have been on time. This is violation to report incorrect information to the credit report agencies. I enrolled in the program in XXXX the letter clear states previously reported delinquency these delinquency that they are reporting are current new delinquency after I enrolled in the program which is not what the contract states. They are not following the details of the hardship program which is against the law they enrolled me in a program and taking my money monthly to still report inaccurate information harming my credit..they are also reporting different months on all different credit reports

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 2021-02-23
Company: Conn's, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This complaint is about Conn 's stores. I purchased a full bedroom set and a 55-inch TV. On XXXX, the banks were closed for the holiday, and my paycheck had not cleared. Conn 's attempted to draw the payment but could not. On XX/XX/2021, I went online and paid the monthly installment. As I was making the payment, I received a call from Conn 's. I explained about the bank being closed and that I had just made the payment. I informed them I only get paid twice a month and that I wanted to change the autopayment date to the XXXX of each month. I was informed that I could not make the date change but that I have 10 days after the due date to pay the bill. Also, to change the date, I would have to have the account open for 45 days. She then suggested that I do not change the date, since it is only a couple of days and that if I paid before the 10-day grace period I would incur no late charges or interest. Since that conversation on XX/XX/XXXX, I have been called 8 times, sometimes twice a day. The latest 2 calls were received today, XX/XX/2021. XXXX 's still shows my account as past due even though the payment hit my bank on XX/XX/2021. The calls are coming to both my work and cell phone number. Several times when I answer my work number, the caller says nothing and hangs up. I have requested that they remove my number from their auto-dialers but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Cstone Mortgage Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was referred to Cornerstone Mortgage Group for a refinance. I was told XXXX XXXX NMLS # XXXX could handle my file and would help me get into a lower rate mortgage. He found a mortgage product that fit my needs and so decided to proceed. I clearly instructed him to order the valuation report only after all other underwriting items were 'green lighted ' ... .I am a XXXX   XXXX  XXXX  and have been doing this for years. I also am a XXXX. 

Since my property had less than 40 % leverage ( 60 % equity ) I knew even with a conservative valuation this item would not hinder the refinance process. Well Mr. XXXX took it upon himself to order a valuation report before all other items were 'cleared ' against my instructions and then he and his underwriting team could not deliver on the refinancing siting other issues. Why did he spend funds on a valuation report that was not needed as the mortgage could not be issued is truly a lack of professionalism and demonstrates the lack of experience in dealing with such matters ( which is fine as we all need to start learning somewhere - but he should have had the appropriate coaching and guidance which clearly he did not ). I do not recommend Cornerstone Mortgage Group ( NMLS   XXXX ) for your refinancing needs as they have a difficult time listening to basic instructions and not delivering as promised.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: EQUIFAX, 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:
During A Check of My XXXX  Credit Report On XXXX I Discovered Information On My Report That Is Fraudulent, Incorrect, and/or Erroneous. XXXX  Report Number : XXXX, Equifax Credit Report, And XXXX  Credit Reports Dated XXXX Show That I have A Debt with XXXX XXXX XXXX AKA XXXX   AKAXXXX XXXX XXXX. I have never had any account with this company or any of its Listed Affiliates. I have tried unsuccessfully to resolve this Fraudulent, incorrect, misleading, and damaging information from my Credit report. I am trying to avoid having to file Legal action against the Companies and reporters of the Fraudulent, and/or Erroneous Information, for causing damage to my report and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
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: Information is missing that should be on the report

Complaint:
Greetings. 

i sent a disputes letters to the credit bureaus sunch as XXXX, XXXX and Transunion, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
A ACCOUNT WAS OPENED IN MY NAME FRAUDLENTLY. I HAVE NEVER OPENED AN ACCOUNT FROM XXXX XXXX XXXX XXXX. I HAVE TRIED TO COMMUNICATE THIS WITH THIS COMPANY SEVERAL TIMES AND HAVE BEEN IGNORED.

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 2020-11-23
Company: CarMax, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been unable to work and receiving unemployment through no fault of my own during this Globel Pandemic COVID-19 Disaster emergency like all other consumers struggling right now while we watch all of our leaders that work for us that are supposed to be helping us during this time by providing Federal Stimulus Emergency Funding but are too consumed with filing lawsuits at the moment since ever since they came back from their month long vacations that we pay for. While america cars get repossessed and house get repossessed by Financial Institutions like CARMAX We do have CARES ACT Policy supposed to protect consumers against car loan financial institutions like CARMAX Who cowardly came and stole my vehicle from me and my children in the middle of the night like thieves, no waring, no emails only unnecessary harassing daily phone calls by nasty customer service agents that you just gave them a payment 2 weeks ago. I have been paying what I can from my small unemployment check I am supposed to be feeding my kids with. It's not like they have not received any Payments at all in 3 months? How is this legal and allowed to take place during this Pandemic? Consumer Financial Protection Bureau and the Care Act Laws and policy in place during COVID-19 to receive credit reporting protection and repossession protection for consumers against this poor treatment from these greedy Car Financial institutions like CARMAX who has been forced to close half of their car dealerships and are filing for bankruptcy. They are Closed to speak with consumers on Sundays so we could not speak with anyone for after our hours emergency situations and could not get any answers from calling an actually CARMAX Dealership, We were just told sorry we can't help you call back tomorrow. This felt like we're operating in a third world country not in this century. Honestly, I was so blindsided by this whole thing because of their agreement to work with me during this difficult time, so my children and I were unable to drive to get any essentials all day on Sunday XX/XX/XXXXXXXX before XXXX Holiday. My vehicle is full of very important paperwork and information that I need in my possession ASAP. My family and I have been so upset all day and can not believe we have been treated like this by CARMAX During this difficult time COVID-19. The Consumers have rights and Protection Required by the Care Act Amendments Policy in Place to the FCRA The vehicle information is XXXX XXXX XXXX XXXX VIN # XXXX five year old car Retail value for five year old car not much value needs repairs

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/20 I wrote Experian about being a victim of identity theft. After reviewing my current credit report this fraudulent account XXXX XXXX XXXX XXXX is still reporting and is causing harm to my credit file.

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 2021-02-02
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Per nstructions of XXXX ID # XXXX Fay Servicing Customer Service Submitted requried documents for short sale of my property. I called Fay Servicing several times to speak with some one about my short sale. I am always told hey can't help me and I must speak with XXXX XXXX. Ms. XXXX will not return calls and I can't get her on the phone. I have requested property foreclosure sale be postponed allowing me to sell my home. I would like for the investor for my loan to be contacted and made aware I have my home listed on the market for sale. Fay Servicing still refuses to assist me even though they have forced me to sell my home refusing to offer mortgage assistance. I requested a forbearance under the Cares & Hero 's Act. but they will not approve me.. 

Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Disputed fraud on my Transunion report of an account showing on my credit report through Transunion and XXXX. Both are reporting the account but have not provided notification of the account for XXXX XXXX. Informed them of the problems and disputed and did not verify any results and findings about the account. They did not provide proof of a contract with my signature

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 2021-02-02
Company: Williams & Fudge, Inc
State: NH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Williams & Fudge Inc. debt collectors repeatedly called my place of employment in the spring of 2018 asking my coworkers to speak with me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive been having a problem with equifax where they will not update my credit score at all! Ive called them many times, I am also unable to login to their website. Ive even faxed and mailed my information, including social security number, billing address, 3 forms of government ID, utility bills, everything and they dont even try to help me. I have 4 different accounts that should have been removed because Ive filled disputes with and the results ended up with them removing the accounts from my credit reports expect for equifax. They also arent reporting my new credit cards either. I will provide screen shots of the accounts that need to be removed and proof that theyre removed from my other accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
This letter is a formal compliant that you are reporting and incomplete credit information. 
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 that 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 ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

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