BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone got an apartment in my name without my knowledge & now I am being charged for it & it is on my credit 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 2017-08-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS
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:
Some time ago ( several months, I believe ) I began having daily phone calls on my cell phone. I did not recognize the phone number and therefore I did not answer, assuming it was robocalls/scam ( My # is on the Do Not Call list, but I often receive the calls and no longer answer. ) Finally, after months of daily calls, they left a voicemail claiming that they were with " Wakefield and Associates, attempting to collect a debt ''. I have excellent credit, I have nothing in collections and I do not even have a single late bill, so I knew this debt they were referring to was not mine. I am on a fixed income and my cell phone plan is very basic, with limited minutes and so I immediately wrote them a letter explaining all of this. I also told them not to call my phone anymore and I gave them my correct mailing address and said that if they insisted the debt was mine, to send the amount, original creditor and the date of service to my mailing address, but NOT to try to contact me by phone again. The letter was mailed XXXX17. I continued to receive phone calls every day, except on weekends. I have not received anything in the mail from them. I started keeping a log after I felt they had time to receive my letter. They have called : X/X/17, X/X/17, X/X/17, X/XX/17, X/XX/17. I realize it may take more time to receive a reply from them by mail, but they have had the letter long enough to stop calling my phone!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TCF NATIONAL BANK
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A personal Guarantee on a business loan was taken out with Chemical Bank in XXXX, MI. In the process of the loan, they placed a lien on my residence. This loan guarantee was discharged in Bankruptcy XXXX of XXXX and is still on record at the county not allowing me to do a reverse mortgage on my home. We ( my attorney and I ) have worked for nearly two years in an attempt to have them send me a discharge of lien so I can provide that to the new lender. Chemical Bank refuses to send me a discharge. Files are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Fed Tax Lien is reporting that has been released

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 2022-01-06
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: ENCORE CAPITAL GROUP 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: Old information reappears or never goes away

Complaint:
Midland credit has reported a XXXX bank account collection 4 times the month of XXXX and it has negatively affected my credit score and life. This account has not been confirmed as mine and they have failed to produce adequate documentation supporting the matter which I initially requested XX/XX/2020. Spoken to XXXX XXXX XXXX who is assisting midland credit in the dispute. 
Original account number with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: AG AH LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, XXXX XXXX Account number XXXX There is 1 issue with my Mortgage account that XXXX needs to resolve ASAP, I have been trying to resolve this issue over the phone for the last 15 months and nobody has been able to fix this. 

-There are late fees applied to my account on the following statements ( attached ) : -Statement dated XX/XX/2019 ( late fee {$69.00} ) -Statement dated XX/XX/2019 ( late fee {$69.00} ) As of today those fees have not been removed from my account and that needs to be removed immediately, I have never made a late payment, therefore, you can not charge me any late fees, please remove them ASAP. 
Attached is : -Copy of cleared checks/proof of payment for the months of XX/XX/2019 through XX/XX/2019 ( from XXXX XXXX XXXX ) Please fix this issue ASAP. 
Thanks XXXX XXXX cel. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-20
Company: ALLY FINANCIAL INC.
State: IL
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:
XXXX XXXX XXXX Sales Associate ran credit report with other lenders after I explicitly advised staff that I all already had a pre-qualification later and was pre-approved for auto loan financing through XXXX XXXX XXXX. I told the associate explicitly that I did not wish to have any hard inquiries on my report and that I only was seeking financing with XXXX   XXXX and that I only authorized my credit to be examined through XXXX   XXXX. I already had credit monitoring and an active credit card account with XXXX XXXX. XXXX XXXX XXXX appears to have ran my credit with the folllowing lenders, which are Ally Financial, XXXX, XXXX XXXX and XXXX XXXX all on XX/XX/XXXX. All of these hard inquiries will remain on my credit report until XX/XX/XXXX. I did not authorize for any of these companies to run my credit profile. I only wanted to determine an approval for auto financing ONLY through 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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX and Transunion are showing id theft information related to cfb ftc cases and need to be removed today due to failure to provide proof of account ownership

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 2021-02-05
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently was notified that my mortgage is reporting 30 days late as of XX/XX/2020. This must be incorrect as I have been making on time payments on my mortgage for quite some time now. It's only reporting on XXXX and I'm certain this has to be some kind of system error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: UT
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 a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have repeatedly called Fifth Third Bank ( my mortgage company ) for a Forebearance letter in order to get a reverse mortgage on my house and they refused to give me this letter. 
They also refused to provide my reverse mortgage company ( XXXX ) and I gave them power of attorney to obtain this info. 

I am XXXX years old and without this letter my house can go in foreclosure and lose my house. 

My account # is XXXX Phone # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Home phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX  XXXX XXXX  XXXX, XXXX, equifax Credit report credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: General Motors Financial Company, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent the attached letter to GM Financial certified on XX/XX/XXXX and have yet to receive a response. The company is required to send me a signed contract with the signature matching my ID to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX XXXX sold our home equity loan to Rushmore in California. I believe Rushmore is frauding their " new '' clients. It is difficult to get anyone at that company to answer the phone. They would only let me pay by setting up account on their website to do a draft from our account. I wanted to pay the balance in full. They would not let me pay more than {$10000.00} per day. I was charged a {$50.00} fee for them receiving our loan in the first place. The next day I tried to pay the remaining balance. It would not except full balance. I had to leave at least one cent remaining. I finally got a hold of someone there and said they have to have a cashier 's check for final payment and that we owed them {$68.00} transaction fee! They said I owe them that because they would have to go to the courthouse to get the deed. I live in Louisiana and Rushmore is in California. I wish someone would please investigate the practices of this company. I looked online for information about this company and all they have are really bad reviews. I fear the deed is being held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 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 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 2020-05-22
Company: EQUIFAX, 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:
The following is incorrect personal information. Please remove the following items : Incorrect Address : XXXX XXXX XXXX ( XXXX, XXXX, and Equifax ) Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX Names : XXXX ( XXXX  ) Incorrect Names : XXXX ( XXXX ) XXXX XXXX XXXX  - Open XX/XX/XXXX is showing that XXXX  is Inaccurately reporting late payment on XX/XX/XXXX. 

The following items is the result of error or identity theft. Please remove the following items : XXXX XXXX XXXX  is not my account XXXX XXXX is not my account XXXX  The following are unauthorized inquiries : 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 2021-05-22
Company: Resurgent Capital Services L.P.
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:
I am being sued in two different cases in civil court in XXXX XXXX Ohio by LVNV Funding also known as Resurgent Capital Services. Both accounts are the result of identity theft, of which I am the victim. Resurgent, LVNV Funding and their affiliates/ attorneys, XXXX and XXXX are basically dragging their feet on providing me any kind of documentation that Ive requested including an affidavit of fraud. Neither LVNV Funding / Resurgent or XXXX and XXXX have responded to my requests for validation of the debt or my numerous requests that they investigate this as fraud. They wont cooperate in any attempts to prove this debt is invalid and fraudulent. They refuse to validate the debt as per the Fair Credit Reporting Act. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them. They keep passing the buck using three entities, Resurgent, LVNV Funding and XXXX and XXXX to dodge who is really responsible for answering my requests to investigate these accounts as fraud as per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX  is reporting inaccurate information on a XXXX XXXX proof of the incorrect information attached as exhibit A

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 2018-09-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
n XXXX, I went through a divorce and I tried to stay in my house with my kids but found I couldn't afford it. I have since moved out and was willing to let it go into foreclosure and then I had a conversation with Select Portfolio Servicing ( SPS ) about the possibility of a short sale. SPS is servicing the mortgage for the investor but no one can tell me who exactly the investor is or how to get in touch with them. I have had several offers and they keep getting denied by the investor. I owe {$100000.00} on the house. The house needs some work and there is a cash offer of {$85000.00} waiting now that they keep denying but SPS tells me there is no way for me to get in touch with the investor who makes the decision. I don't see how this is even a possibility. If someone is making a decision that affects my life, I should be able to contact them in some way. Also, the mortgage company tried to file a claim on my homeowner 's insurance saying there was vandalism and that is not true. The realtor that SPS put me in contact with even said that he has pictures he took of the house from XX/XX/XXXX when he first listed it and nothing has changed. His words were " it is still in the same state of disrepair ''. I believe whoever tried to file that claim was trying to get my insurance company to do the repairs needed on the house by stating it was vandalized. It was not vandalized and I have since dropped the insurance on the house because I can't legally stop the mortgage company from filing a claim because they have an insurable interest in the house. I am not sure what to do and why the investor keeps denying a short sale but I can not find a way to get in contact with the investor. I keep getting the run around. The final court date for the foreclosure is set for XX/XX/XXXX and I don't understand why they would rather foreclose on it than take the cash being offered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: MD
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 HAVE SENT SEVERAL COPIES OF A CANCELED DEBT FROM XXXX XXXX XXXX XXXX  SENT TO ME FROM THE IRS TO XXXX  CREDIT REPORTING AGENCY. THE COMPANY TELLS ME THEY HAVE NOT RECEIVED ANY OF THE LETTERS OR FAX COPIES I HAVE SENT THEM. THEY REFUSE TO REMOVE ACCOUNT BECAUSE IT'S BEEN INVESTIGATED SO MANY TIMES ALREADY AND REFUSE TO ACCEPT THE LETTER FROM THE IRS THAT IT WAS CANCELLED AND REMOVE FROM MY CREDIT REPORT. THEY WILL NOT SEND ME PROOF THAT I ASKED FOR THAT A REINVESTIGATION HAD BEEN DONE AND ONLY GO ON THE DISPUTES FROM 2018. I HAVE MADE SEVERAL ATTEMPTS THIS WEEK TO GET THROUGH TO THE CREDIT REPORTING AGENCY WITH NO HELP OR ACKNOWLEDGEMENT THEY HAVE AN UPDATE ON A PREVIOUS DISPUTE WITH EVIDENCE IN HAND.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: MN
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:
We went into forbearance with our mortgage through XXXX, in XXXX, due to covid. After receiving the stimulus money we paid our mortgage for XXXX and XXXX in XXXX. XXXX is reporting us late for XXXX and XXXX which is incorrect. We asked them to fix it and they deny that theyve reported it late. We then placed a complaint with Experian and they said XXXX reported us late!

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 2021-02-05
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Hi I have concerns about my bank of America checking account. I have been a long time customer with Bank of America. I have been charged a monthly fee of XXXX $ every month. If you have direct deposit, there is no fee charged. I read this online back in XXXX of this year. Naturally I went to the bank the next day. The Bank of America Branch located in XXXX, Ma on XXXX XXXX. XX/XX/XXXX, I explained my situation, I was told I have an old checking account. So I switched to a new one. It's called Core Checking. I explained that I have direct deposit through my Place of employment. I asked how long has this new type of checking account been available. I was told it's been available for 3 years. So basically Bank of America has been charging me XXXX $ every month even if I have direct deposit. The only refund I have received was XXXX dollars. That is unacceptable!! Point blank I never received any information any communication what so ever. I'm entitled to a refund. Not to mention I have contacted the XXXX. They can not help me, they referred me to the CFPB. Can you please help me out with this problem?? Thank you. 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