BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!

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 2019-05-10
Company: CMRE Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2019, we received notice that a medical bill was sent to CMRE Financial Services for collections. I was in the process of paying the hospital ( XXXX XXXX XXXX ) when the debt was sent to collections. CMRE is attempting to collect {$880.00}, which is not the correct amount. This amount does not take into account the payment I made to XXXX XXXX XXXX on XXXX XXXX for {$25.00}. I have repeatedly sent letters to CMRE requesting that they verify their information with XXXX XXXX XXXX and only attempt collection on the amount I actually owe. I believe this whole ordeal is a result of XXXX XXXX XXXX accepting the payment from me on XXXX XXXX, but not giving that information to CMRE. CMRE claims they have contacted XXXX XXXX XXXX and validated the debt, but they are still sticking to their claim that we owe {$880.00} rather than the actual amount we owe which is {$860.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Hewitt-Capital
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Caller stated that agents will be coming by my place of business or residence to serve me legal documents unless I contacted a XXXX XXXX with Hewitt Capital at XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: CORELOGIC 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: Personal information incorrect

Complaint:
I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX LA XXXX I need properly update ADDRESSES to reflect my accurate information. Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! XXXX 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 explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I got an inquiry from an unknown company that showed up on my credit report. Also saw an account from US DEPT OF ED account # XXXX which showed up on my credit report that I never seen before and never gave them any written permission to report anything on my credit report. I need these deleted asap. 

Also they have multiple addresses and my name are not accurate on my credit report. I need them to delete any names in their system that vary from my name and delete any address in their system that does not match mine.

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 2021-12-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo misled me into applying for a loan modification instead of a COVID-19 standalone partial claim. I have been asking Wells Fargo to approve me for a partial claim, but the home preservation specialists are unwilling to consider me for one.

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 2018-12-07
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: Account status incorrect

Complaint:
I wrote to Experian ; XXXX and XXXX  Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of {$3200.00}. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of ( 2 ) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and 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 2023-07-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: MO
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/2021 I sent a depute to Equifax Information Services LLC regarding incorrect information on my credit report. I was never sent any information regarding the depute in writing like I ask the only way I knew anything happened is by the web I ask that whatever the outcome I will be sent that information in writing with 30 days from theXXXX I never received such information. being that I never heard from them within that 30 days the information in depute should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX Ths Complaint is about Missing MERS  / Mortgage Assignment Documentation. 

I have two mortgages with LoanCare ( XXXX  ) since XXXX, both of which are current and never late with a payment. In XX/XX/XXXX I obtained written approval from another bank XXXX XXXX XXXX XXXX to refinance one of these mortgages ( LoanCare # XXXX XXXX at a significantly lower interest rate. On XX/XX/XXXX LoanCare was formally requested to provide the new banks attorneys with the customary MERS resolution and assignment documents for Consolidation Extension and Modification Agreement ( " CEMA '' XXXX to close. 

For over 4 months ( XX/XX/XXXX - XX/XX/XXXX ), despite numerous documented online submissions, emails and phone calls, LoanCare has still not provided the required MERS / CEMA documentation. 

We have requested three extension from the new bank and the final extension is expiring XX/XX/XXXX. If LoanCare does not provide their attorneys with this conventional documentation, we will not only lose our processing/application fees but be forced to keep our higher interest rate mortgage with LoanCare. 

We have been exceedingly patient and exhausted all reasonable attempts to resolve this. We implore your assistance to expeditiously correct this before the expiration of our final XX/XX/XXXX extension. 

I urge you inform the appropriate LoanCare personnel to resolve this or advise of alternative courses of actions. Please contact me at your earliest convenience to discuss how we should proceed. 

Sincerely,

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 2021-09-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
As per conversation with my mortgage servicing company ( Carrington Mortgage Services , LLC ) on XX/XX/2021, I qualified for the COVID19 FHA Standalone Loan Modification, no documents required. As of then I have been calling on a weekly basis the loss mitigation department & every representative says the same. Its in review & waiting on the title. Although on XX/XX/XXXX with a conversation with a representative advised that they have had the title since XX/XX/2021. Called again on XX/XX/2021 & the representative said it is in review & they do not have the title. 
I am in a position to resume my mortgage payments but I can not get anyone at Carrington to finalize my loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
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: Public record information inaccurate

Complaint:
We opened this account in XX/XX/XXXX and paid on time each month until XX/XX/XXXX when we filed for bankruptcy ( Chapter XXXX ) when we stopped making payments per our attorney. The trustee made payments to XXXX until we dismissed the bankruptcy in XX/XX/XXXX or XX/XX/XXXX. XXXX is incorrectly reporting the account as late every month during this period, instead of stating that it was included in the bankruptcy and omitting the fact they were receiving payments from the trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I noticed an unauthorized XXXX transaction was deducted from my checking account in the amount of {$1400.00}. I immediately notified my bank at which point they closed the checking account and proceeded to open a new one for me. The following day I noticed {$23000.00} wired out of my savings account. I once again contacted my bank and they closed all of my remaining accounts and advised me to contact their fraud division on Monday. After speaking with the bank on Saturday, I immediately went to the police station and filed a police report. Further review of my account indicated that a phone number of XXXX was added as my main point of contact although I did not add this number and do not recognize it. The wire transfer had been sent to a company called XXXX XXXX  XXXX in XXXX XXXX even though I am not in contact with anyone from that city and do not know this company. While the bank did refund me on the {$1400.00} transaction they are denying my claim for the {$23000.00}, claiming that the transaction had been done by the device I regularly use for banking. I have been a customer with my bank for 28 years and have never had any problems with the law, had any charges against me or acted unlawfully in any way. I would not try to carry out an illegal scheme to defraud my bank for personal gain. Per my bank 's request I have even taken my computer at my own expense to have tested for any traces of a hacker. While 3 of the places I contacted told me they would not be able to identify if my computer had been hacked but could only clean my computer from any spyware that it might have been infected with, the 4th one said they might be able to do so although after working on my computer and charging me for it he was ultimately unable to do so.

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 2022-12-15
Company: EQUIFAX, INC.
State: AL
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:
Equifax an XXXX credit report agency allowed someone to report me deceased illegally with proving identification an death certificate or report it to the social security agency an why my date of birth was illegally change contain credit in my name by other companies this company an agency or in violation of my civil rights cause me have credit problems lost wages in the data systems I want to know who use my name an reporting me deceased everything should be removed off my credit report should nobody have access to my personal information with out my consent my life been toking from me an reporting me deceased an I still have to suffer with bad credit XXXX or XXXX why someone using my credit in my name I requested a full disclosure report from XXXX an XXXX from XXXX an Equifax see who was using my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
On XX/XX/17 I spoke with banker trying to refinance loans and cars. The credit from XXXX XXXX did not reflect the same with XXXX XXXX XXXX. From the XXXX side my score was XXXX From XXXX XXXX it was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, Equifax, and XXXX XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This has been an ongoing issue with their OD charges. I would use my card and have the funds available, and Ill see the items on my account a pending authorization. As soon as the items post my account is negative and Im getting NSF fees for items that were already pulled from my available balance. Ive been told multiple time how they post items and I follow what theyve told me but Im still getting fees and the run around. No one wants to correct look into this issue. Ive been mislead by this bank time and time again.

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 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and Trans Union. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Early year 2019 to present I've been working disputing an item on my credit report that I have no knowledge of ever having. I have asked for specific documentation, validating my signature that I owe this debt to this collection agency. Each time on their response they have failed to provide supporting documentation to me as requested and illegal marks my credit report as verified information which has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company with out letting me know. Changed my interest, changed the duration of the mortgage, Changed my address ( sent my bills to NJ for years ) I called them up waited for someone to answer a couple of times. Every time they hung up on me after I tell them why Im calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
My complaint regards service fees charged on my Bank of America ( BoA ) checking account.. I've banked with this institution and others it acquired since XXXX. The account was long ago set up so that if there was a combined balance of {$5000.00} or more between my various BoA accounts, no service fee would be charged and this was grandfathered in as the account shifted stewardship from XXXX  XXXX XXXX, to XXXX XXXX  and finally to BoA. Starting XX/XX/XXXX, a service fee of $ XXXX was charged due to a change of terms that I was unaware of. I have consistently kept well over {$5000.00} in combined balance at BoA, so I expected no service fee. The fee itself is well concealed in the monthly statement, first appearing buried on page 5. These monthly charges persisted till XX/XX/XXXX. The total service fees amounted to {$480.00} ( 40 months x {$12.00} ). 

I am a senior citizen. On XX/XX/XXXX, I phoned BoA customer service, and a complaint on my behalf by BoA agent XXXX XXXX. A similar complaint was filed for me by BoA agent XXXX XXXX at my local BoA branch in XXXX, MA. On XX/XX/XXXX, I followed up by talking via phone to BoA agent XXXX at an upstate NY. I asked if my complaint had received a review, but none had been issued. BoA is a major US bank, and I was highly disconcerted that on both of my XXXX and XX/XX/XXXX phone calls to customer service, the wait time before reaching an agent was over 30 minutes. This alone shows a lack of fiduciary concern. On the XX/XX/XXXX phone call, the conversation was terminated prematurely when the call disconnected after 51 minutes ( 33 of which were wait time ). The prospect of a 30 minute wait to reconnect deterred me from phoning again. 

As I have met the terms that were grandfathered in from the original account, I expect BoA to return my {$400.00} in disputed service fees. If that is not forthcoming, I expect a written review of and response to my complaint to be provided to me by BoA. I am highly dismayed at the shabby way BoA treats its account-holding customers.

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 2020-07-18
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:
After receiving a current copy of my credit report, i discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation