BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-09
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:
Hello, Below is the information that is on my credit report and it is not accurate as I have never applied nor had XXXX XXXX XXXX. I am only XXXX years of age and would like to inform that the below information is not mine. Please contact me with any questions or concerns. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$890.00} Closed Overview You 're currently using 128 % of your account 's limit. 
Balance {$890.00} Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) Payment History Youve made 74 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$890.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Authorized User Remarks Charged off account Times XXXX/XXXX/XXXX days late XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

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 2020-06-24
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was contacted by an agent XXXX XXXX from Medicredit for XXXX accounts that my wife had in collections from XXXX  XXXX. Those are XXXX and XXXX for XXXX & XXXX. I was not going to deal with them directly because they are horrendous at calling daily over 3 to 4 times a day. But XXXX went to his manager and offerred me a setttlement offer for a totsl of {$880.00} Relunctantly I agreed given the word that this would be removed and the accounts be closed. The agent made a mistake in his computer and called me back 2 days later to tell me he did not process the payment correctly and asked me for a check by phone. Both of these calls were recorded, the accounts were notated and the information sine dealing with HIPPA the agent notes can be seen by the original creditor XXXX  XXXX. Medicredit has denied payments were sent and asked me to repeatedly send in the deposited checks from my bank of which I have sent to them 15 times. The day the agent XXXX took the payment one of the accounts was transfered back to the original creditor whom deposited the check. Now we are in XX/XX/XXXX and no one calls me back from both, I am being bombarded with harassing calls and every agent is giving me the run around. The calls are all recorded and the notations are there on the account. Now if this is not resolved I am now having to seek legal representation to take care of something that was promised to me. I gave them my hard earned money on their word and they both are failing to stop collections activity on me. My credit score is dropping daily because they keep fighting me on the account. I have reached out to all bereaus and filed claims but thsi horrendous creditor fights each dispute with verocity. This is illegal for them to take money and not resolve their own issues when each call is recorded. I am reporting them because I have all my documents on each call made and person I have spoken to at both Medicredit and XXXX  XXXX. 
Do not ever give these people money unless you have something in writing. This has been a nightmare since day XXXX with them

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 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX shows 2 accts in collection, but doesn't show the co that report it. Can't get them on the phone with the # they post. XXXX XXXX put XXXX on all 3 cr reporting agencies. They informed me in cs its a install fee. I was told by sales when service was order in XX/XX/t 2018 there would be no fee. I took the trai period for 30 days return all equipment. Never heard from them again, now i see it on all 3 cr reports. Tried of sales dept making up info to get a sale, comm, promo. They need to stop with thier lies and be honest.

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 2021-04-07
Company: National Credit Adjusters, LLC
State: TX
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:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, FDCPA 807 ( 8 ) if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
OUR MORTGAGE COMPANY IS TRANSFERRING THEIR MORTGAGES OVER TO ANOTHER MORTGAGE COMPANY AND HAS NOT GIVEN US 30 DAYS NOTICE YET. THEY HAVE NOT GIVEN US A LETTER YET AND THEY ARE TRANSFERRING OUR ACCOUNT OVER ON XX/XX/2018, AND THEY SAID THAT WE MAY HAVE TO MAKE A ONE TIME PAYMENT OVER THE PHONE WITH THE NEW COMPANY AND HAVE NOT EVEN GIVEN US ANY INFORMATION ON THE NEW COMPANY OR OUR NEW ACCOUNT NUMBERS, WE HAVE NOT RECEIVED ANYTHING FROM THE CURRENT COMPANY NOR THE NEW COMPAMY THEY ARE TRANSFERRING US OVER TO. WE HAVE RECEIVED NOTHING IN THE MAIL. I THINK THAT IS WRONG OF THEM TO LEAVE US STRANDED LIKE THIS AND IT IS THE MIDDLE OF THE MONTH AND WE HAVE NOTHING IN THE MAIL YET. THAT IS UNPROFESSIONAL AND UNETHICAL AS A BUSINESS AND THE COMPANY SHOULD MAKE SURE THEIR CLIENTS ARE TAKEN CARE OF BEFORE THEY HAVE DELETED US FROM THEIR SYSTEM AND TRANSFERRED US OVER TO THE NEW COMPANY, IT IS VERY BAD BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a debt on my credit report that does not belong to me. I have tried relentlessly to get a copy of the original application to no avail. This company is refusing to remove it from my credit and it is prohibiting me from being approved for a home loan. It says it was opened XXXX of 2016 and I did not open this and have no knowledge about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when reviewing my credit report and found a late payment on XX/XX/2016. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: EQUIFAX, INC.
State: TX
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:
XXXX shows 2 accts in collection, but doesn't show the co that report it. Can't get them on the phone with the # they post. XXXX XXXX put XXXX on all 3 cr reporting agencies. They informed me in cs its a install fee. I was told by sales when service was order in XX/XX/2018 there would be no fee. I took the trai period for 30 days return all equipment. Never heard from them again, now i see it on all 3 cr reports. Tried of sales dept making up info to get a sale, comm, promo. They need to stop with thier lies and be honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to refinance my rental property. I had a Chap XXXX Bankruptcy XXXX in XX/XX/XXXX. This year in XXXX will be 7 years. I had to shortsell my primary residence in XX/XX/XXXX after years of trying to save it. While it was included in the bankruptcy, I was trying to get a loan modification. In the end the payments were too high and I had to short sell. XXXX has rules in place that state you must wait 4 years after the XXXX to be approved for a refi. The mortgage debt was included in the Bankruptcy and yet I'm being held to the shortsell dates in addition to the Bankruptcy years for a total of 11 years before I can qualify for a home loan refinance. This is not fair, the debt was XXXX and I've waited my XXXX years. Someone needs to review these scenarios as this is not unusual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/XXXX and XX/XX/XXXX by : XXXX/XXXX XXXX XXXX

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 2017-12-04
Company: M&T BANK CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are 10 years into a home mortgage, originally with XXXX XXXX, sold to XXXX XXXX XXXX, then sold to M & T Bank ( XXXX, MD. ) One payment was late in XXXX and M & T Bank then refused to accept our payments and told us to work thru their Mortgage Service agent : XXXX XXXX XXXX. 
XXXX told us not to send payments until the paperwork was completed on their side, which never happened. 
We made a catchup offer at that time which was ignored. 
We retained a lawyer who advised that we start a Ch. XXXX Modification plan to protect our home from foreclosure actions, which we did but we kept our house outside of the mod plan and made every payment. M & T Bank 's lawyer filed a document at the discharge of our case XXXX XXXX that all payments ( arrearage and payments XXXX were current. 
M & T Bank accepted/cashed our XXXX XXXX payment and now has not accepted/cashed our XXXX, XXXX, or XXXX payments that our lawyer instructed that we send to their lawyer to make sure they would cash them. It has been two weeks and they are still not cashed. This has damaged our credit ratings, made it impossible to re-finance, and jeopardized the bills that are paid from our escrow. Their actions are unethical, borderline illegal, and violate the directions from our Ch. XXXX case judge.

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 2019-02-12
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Was informed on XX/XX/XXXX via email that my Freedom Mortgage loan was being transferred to XXXX XXXX, and that my auto-payment would be cancelled. I also received a letter on XX/XX/XXXX, dated XX/XX/XXXX, stating the same. Because I did not have any account information for XXXX XXXX  yet and would be unable to make a payment directly to them, I went onto Freedom Mortgage 's website on XX/XX/XXXX to schedule a manual payment of the loan for XXXX ( in the amount of {$2100.00} ), knowing that it would be forwarded to my new servicer. This scheduled payment was successfully confirmed on their website. Noticing that the payment had not gone through by XX/XX/XXXX, I went onto Freedom Mortgage 's website, and discovered that they had silently cancelled the payment I set up on their website without notifying me!! 


I then scheduled a billpay through my bank ( XXXX XXXX  ) to pay Freedom Mortgage directly, and XXXX confirmed that it was paid electronically to Freedom Mortage on XX/XX/XXXX. 



I called Freedom Mortgage on XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX to inquire on the status of the payment, and each time was told that the payment was not received. The customer service staff were adamant, each time, that the payment had not been received by Freedom Mortgage, even though I had confirmed with my bank that the payment was sent, electronically, directly from XXXX  to Freedom Mortgage on XX/XX/XXXX. They had no way to elevate the issue and investigate the missing funds. They also insisted that it was no big deal, given that I had a 60 day grace period due to the loan servicer transfer, and would not be charged any fees or have a credit score impact, regardless of whether the payment was actually received by them or not. However, based on 12CFR1024.33 ( c ), this only applies if they receive the payment, and since they are claiming not to have received it, it is unclear that this grace period would actually apply. 


Given this, to avoid late fees and the impact to my credit score, I have separately made payment to my new servicer ( XXXX XXXX ), and am attempting to get Freedom Mortgage to return the funds to my bank when they find them, however, they are insisting that they need to forward them on to the new servicer. This would lead to me having double-paid my mortgage payment for XXXX, and severely impact my budget and ability to pay my other bills.

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 2021-10-04
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received my credit report on XX/XX/2021 and noticed that there is a charge-off on my credit report from Acima Credit XXXX XXXX I've never had any business with this company. 

There isn't a address or a phone number to contact them I need this removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
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:
I have reported several items at several times to all 3 credit bureau 's but all accept Equifax has taken the actions to investigate and correct the reported fraudulent accounts. The following are the account names and amounts : XXXX XXXX : {$0.00} XXXX XXXX XXXX/XXXX : {$660.00}, {$150.00}, {$2800.00}, {$3100.00}, {$3900.00}, {$6200.00}, {$1400.00} XXXX : {$1300.00}, {$1100.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
HSBC credit card trying to pay over 1 month and they dont accept my payments the charge me twice late payments and more charges and interest without me using the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
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:
Wrongful repossession. I was never ever notified or contacted about repossession and I was never contacted when they sold my vehicle and honestly it hurts. The after effects on me and my family are horrible

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 2019-03-20
Company: SUNTRUST BANKS, INC.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called on XX/XX/20 to combine my 2 mortgages and they wont and say they cant because my house is worth less than what I owe and Ive told them so many times because its not the first time Ive called for this issue I have called many times over the years I have well going on 12 years living here in this property and not planning to move anytime soon and Ive called them that the reason I owe my house more then whats its worth is cause my interests was so sly high for so many years and i havent been able to put a gap on my loan i have with them I bought my house almost 12 years ago for {$130000.00} and till this day almost 12 years later i still owe {$100000.00} and yet I call them and ask them about it and they dont see a problem and if they cant fix it and cant do anything about it or atleast trying to help me in any kind of way they can or should

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/24 I traveled to XXXX Texas for a family vacation. I went to the XXXX gas station to get gas and reader stated that to see cashier upon going to the cashiers station I was told that my card was declined due to insufficient funds knowing that was not accurate I contacted a representative over the phone with US Bank the rep stated that my card was deactivated because a new card was sent it. I tried to explain to the rep that I didnt receive a new card in the mail and that I was out of state with no other means of funds she stated she was going to locate a branch near me however there was not one available in the city I kindly asked her to please reinstate my card as I have No way to navigate the city nor funds to get back home she stated that I should just access my account online and XXXX XXXX myself money I asked did that make sense for me to have to pay to access my own money when I didnt deactivate my card nor was I made aware of the situation especially when I had visited a branch XXXX this week and no one in the local branch had said anything to me about it. She said well Im just trying to help you get your money. Im very upset so I discontinued the call with the rep

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