BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: NJ
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:
Upon checking my Equifax report there are multiple unfamiliar inquiries ( XXXX, XXXX, XXXX AND XXXX XXXX XXXX XXXX ) reporting on my account. Ive already sent in documents disputing these inquiries, and I received a response saying the inquiries were factual. In my defense, I responded with documents asking Equifax to immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiry, in accordance with the Fair Credit Reporting Act. I also asked Equifax to provide me with a detailed review of the investigation that lead to the results of the inquires being deemed factual. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: SinglePoint GI
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have told the original company XXXX XXXX XXXX the debt was no longer owed, sent prove was discharged with my bankruptcy four years ago. Now they sold the debt off to general revenue XXXX XXXX and added XXXX XXXX more dollars and they are harassing me, my work and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is reporting to the credit burrow a wrong and incorrect debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: TRANSWORLD SYSTEMS INC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I went to the ER for XXXX XXXX in XX/XX/2018. I was told that all I had to pay for about {$250.00} for my bills since I didn't have insurance. I payed and left. Weeks later I get a bill from the hospital which I couldn't pay because it was over {$1500.00}. I didn't know I would get billed like this because it wasn't discussed in the hospital or else I would've left. Time passes, and now apparently the bill was sent to collections. I didn't receive any mail that notified me about the dept collection or how I can resolve the issue. I did receive a lot of random calls for 800 numbers but I never answer them because I don't know who it is. Now when I checked my credit score report, it shows I have been placed in collections and that it won't go away for years. I called the company and asked that if it can be removed if I payed them. The lady told me no. I asked for an online link to pay for the dept and the link I received along with the account number also didn't work for me to get into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This company is nothing but a headache. I wish our loan was with someone else and not them. Complaining about them in detail would be exhausting. 

Here is my complaint : My father died recently. He has a will. As far as I know, his will should be active. What it says, should be enforced and not dismissed. As far as I am understanding, my sister and I are heirs to our parents house. We are successors-in-interest. 

In XXXX of XXXX, we received a contract confirming my sister and I as successors-in-interest. 

On XX/XX/XXXX, I had called in and spoke to a rep named XXXX. She confirmed to me that my father 's will means nothing and that I am not a successor-in-interest according to their policy. As well, they can not give me any information regarding my mother 's estate. Which is false, because before, I was confirmed as a successor and I was given information when asked. 

When I asked XXXX about the previous contract, she said that it was a mistake. How does a large company with plenty of people working to review paperwork, make a mistake?? 

I can't tell you how bad the communication is from this company. No one seems to be on the same page and there are too many people giving answers. Our point of contact XXXX XXXX is the worse. I already complained about him and he is still failing at his job. 

I need straight answers. CFPB in XXXX enacted rules regarding successors-in-interest. 

My father 's will states, " his executors ( his children ), shall take possession and control of his estate ''. If this does not mean anything, then he wasted money making this will. 

I want my name confirmed as stated in the contract given. I have already signed my portion of the contract. I was told by a representative that this was okay. His permission was given on a recorded line on Rushmore 's behalf. Not mine.

I was also told that my signed, notarized portion is not acceptable. Rushmore is now changing their answer. 

This company 's communication is a bunch of garbage. They flip/flop. They are not on the same page as stated above. It's beyond me how they are still in business. They have awful reviews, which does not bother them. 

I want this fixed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The previous resident must have had a loan with Westlake Financial Services ( I was getting her previous mail ). I guess she has stopped paying her debt to them and I assume they used public records to pull the phone number that is tied to the residence however that number is mine and now I'm getting phone calls for this debt. I have told them numerous times this is the wrong number and they will not stop calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In about XX/XX/XXXX my loan was sold from XXXX XXXX to SPS servicing. 

Prior to my loan being sold I had renegotiated lower insurance rates and the old insurance company had returned premiums to nation star. 

At the time the loan was sold nation star did not transfer this amount over with the escrow to SPS servicing. 

When I made nation star aware of it they transferred the funds to SPS fire a check payment that was sent via XXXX and signed for by SPS. 

Despite multiple calls to SPS trying to track this money, they assured me they did not have it. Because there was now a shortfall in my escrow account SPS servicing has raised my monthly premium. 

Last week during another call to SPS trying to resolve this they told me that they have had the funds since XXXX and have applied to principle. 

This is incorrect because it is escrow money not principal reduction money. 

They said they had no instructions from XXXX XXXX and did not know how to apply it. 

So instead of contacting me the owner, they decided unilaterally where to apply it. 

When I asked him to please resolve the incorrect payment and apply that amount to escrow they have refused. And said it is too late because the funds were applied in XXXX and its now XXXX. 

This is not my problem that they misapplied the funds. 

XXXX told me that they clearly marked that the check was escrow and why it was sent separately because of insurance premium reduction. 

This has raise my monthly payment. During these times it has put a strain on my financial position and this is unfair and its put me in an unfair position because they dont know how to manage the escrow account correctly. I need SPS servicing to apply those funds to the escrow account so that my premiums are reduced. 

I have informed SBA servicing that Im going to continue to pay my normal payment and I will not be liable for any late fees because they have not resolved the escrow amount correctly. 

SPS servicing had mishandled the escrow funds they received from 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 2018-04-17
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My father passed away in XX/XX/XXXX. I had been residing with him and after he passed, I continued to pay his mortgage until I became ill in XX/XX/XXXX, and fell behind on payments.I received a notice of sale in late XX/XX/XXXX. 
I contacted the lender to request assuming my father 's mortgage and was informed that I needed to complete Probate to acquire title to the property BEFORE being allowed to apply. In mid-XX/XX/XXXX, I was able to save enough money to hire an attorney to start the probate procedure. We received the earliest hearing date available, which is XX/XX/XXXX however, on XX/XX/XXXX, Shellpoint 's representative XXXX communicated to my attorney that they would not postpone the sale beyond XX/XX/XXXX unless they received a payment of 5 % of the total amount needed to payoff the loan and the Probate Letters of Administration ( giving me title ) to even CONSIDER an application to assume the loan. 
When my attorney expressed that obtaining the Letters of Administration before XX/XX/XXXX was a physical impossibility, XXXX replied that " you'll need to get creative '' to make that happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
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: Was not notified of investigation status or results

Complaint:
HAPPY XXXX AND HAPPY HOLIDAYS! and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw child support. I have pulled my credit and I saw child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my 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 2022-12-15
Company: Experian Information Solutions Inc.
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:
Well I think my mothers has been using my account or feed throughout the years placing loans and bills in my name and I never ever knew anything about it til I just tried to get my credit score and i seen all of that stuff done on my account in my name and some of the dates I was XXXX  for XXXX months I want to clear my credit and file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 write to dispute data by XXXX XXXX XXXX XXXX credit account due to missing, incomplete, inaccurate, conflicting and Facially False Data from my recent paper credit reports. I need the exact date of first delinquency supported by monthly statements from XXXX to XXXX. The required exact date of first delinquency is not prominently displayed on my credit reports. Thus constitutes a {$1000.00} willfully violation of the FCRA. I need the exact date of first delinquency on my credit reports. My account must be permanently listed as disputed and it was required to have been permanently disputed when I closed my account in XXXX and XXXX XXXX  XXXX failed to promptly or immediately report the account as closed by consumer mandating another willful FCRA violation for {$2000.00} effectively extinguishing the claims if TD bank. Missing data also needs to be inserted. Based on statutory damages and missing credit data it appears that usurious interest has been charged which extinguishes any disputed purported debt. No debt us owed and the account is permanently disputed. If the account remains it must be listed as disputed, closed with the exact date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The manner in which Bank of the west and XXXX failed to manage my checking account is without excuse. An absolute, careless, reckless, performance from a group of people whom have all together become worthless. 

They dont even know how to provide a simple debit/credit statement as you will see in their transcript. A grocery store can do a better job on the purchase receipt and these people manipulate their books with unnecessary verbiage. 

First, Bank of the West ask me to close my account and open a new one, and then after I closed the account, they refused to open a new account. 

Now that my account is closed with Bank of the West, I can not access my online account. 
Bank of the West sent me a check with my closing balance and then I received a collection letter from a company that I have never heard of. They claim to be a Bank of the West third-party vendor, unfortunately for them, I have no knowledge of their relationship. 

As you will read in our email correspondence, there is no excuse for their blatant disregard for each other and their business relationship. They both have a responsibility to honor their contractual agreement and now they want to place the blame and responsibility on me. 

If they can not manage their own relationship that does not make it my responsibility to manage it for them. Im certain that they have a written resolution and neither of them wants to flip the bill for each others errors. 

Therefor XXXX has decided to send me to collection, and I do not even know whom they are.

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 2021-04-10
Company: Mountain Run Solutions, LLC
State: TN
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:
MOUNTAIN RUN SOLUTIONS was allowed to add a false debt collection on my XXXX report. They also added it to XXXX. It was removed from my XXXX  report. The account does not belong to me and my name is a common name. They could not provide any identifying information such as a copy of photo ID, social security card or proof of residence. I completed and submitted the police report to MOUNTAIN Run Solutions however XXXX XXXX is no longer employed with thr collection agency. I do have screenshots, emails and written documentation including a mortgage statement that proves my identity and proof of residence.. I am requesting that this is removed from my report as it is an error and has impacted my score greatly. I can provide written documentation as the agency is not cooperative although they have no written documentation showing this account is associated with me.

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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw child support. I have pulled my credit and I saw child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my 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 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 check my credit reports and seen I had over 230 inquiries. There's no way I obtained all these inquiries and some of the dates, addresses, and places of inquiries don't even add up. I've requested to have these removed immediately from the bureaus due to possible fraud and nothing has been done. XX/XX/XXXX was the only credit bureau to actually look into this. I want these off my credit NOW!!! I know my rights when it comes to fraudulent activity.

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 2020-05-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
MY HUSBAND AND I MAKE A MORTGAGE IN XXXX WITH XXXX XXXX  THEM XXXX XXXX  SOLD TO XXXX XXXX  AND XXXX XXXX  SOLD TO CHASE. IN XXXX WE PAYOFF THE LOAN WE RECEIVED ALL THE LOAN LEGIT DOCUMENTS WITH THE PROPERTY TITLE LIEN RELEASE AFTER THAT WE DONE WITH LOAN PAYMENTS IN XXXX THIS COMPANY XXXX XXXX CAME TO MY DOOR SAYING THE OWN THE PROPERTY THEY WANT ME TO SING A DEEP AND LIEU BUT I NEVER SING AFTER COUPLE MONTHS BACK AND FORWARD WITH THIS COMPANY THEY SOLD OR TRANSFER THE SUPPOST LOAN TO XXXX XXXX XXXX I WENT TO COURT EXPLAIN AND EXPLAIN AND SHOW ALL MY DOCUMENTS LEGIT AND WE FIND OUT THE THIS LOAN THEY PRESENT IS NOT THE LOAN NUMBER I HAVE AND I PAYOFF SINCE XXXX I BEEN TRYING TO FIGHT THIS SITUATION IN COURT BUT NOBODY BE ABLE TO UNDERSTAND OR HELP ME TO FIND OUT WHAT'S HAPPENED, EVEN THE SIGNATURE ON THIS SUPPOSED LOAN NOT EVEN MATCH THE WAY I BEEN SING AND NOW MY HOUSE IS SET TO BE SALE ON FORECLOSURE ON XX/XX/XXXX AT XXXX PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: ALLY FINANCIAL 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/19 i became aware that a loan was open at Ally Financial bank. I called Ally Bank to resolve it due it it being fraud for the amount of XXXX i told them on XX/XX/19 that i did not have a valid contract with them and i have never purchased any type of vehicle with them. I told them that i would contact the police if they didn't remove this fraudulent account that was not done by me. I have never given them authorization to us my credit report to purchase any type of loan.

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 2021-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I was charged {$40.00} for making my credit card payment one day late. It was due on XX/XX/2021 and I paid it electronically on XX/XX/2021.

Company response to consumer: Closed with monetary relief