BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: TX
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:
DELETE ALL UNAUTHORIZED INQUIRIES Below Please New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX Inquiry - New Inquiry - Experian XX/XX/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 2018-12-06
Company: Commonwealth Financial Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Commonwealth Financial Systems , Inc. has " Never '' called nor contacted me regarding a Hospital bill dated XX/XX/2012 until last month.. ( XX/XX/2018 ) I just received a bill this month from this company. XXXX XXXX Hospital is at " Fault '' and I have proof with having medical insurance at the time. I contacted them back in XX/XX/2012 with a Manager from XXXX. We did a conference and the Manager explain to the billing department that they use the wrong billing code and they have to resubmit the bill to the State of Maryland and not XXXX In my procession right now, I've a certificate of XXXX XXXX XXXX Coverage from XX/XX/2012 until Present from Maryland Department of Health.

Commonwealth Financial System also attack my credit file last month on XX/XX/2018 and my credit score went down 30 % on XXXX and XXXX. It had a Derogatory marks on both.

Furthermore, I only received a bill once in XX/XX/2012. This company never tried to call or mail me anything during XX/XX/2012 until XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2022-08-08
Company: Experian Information Solutions Inc.
State: NC
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2021-04-11
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:
I have sent in several letters to XXXX, equifax, XXXX and collection accounts. On these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent letters regarding inaccurate, unknown and not the same information reporting across the credit bureaus on my credit report and there has been no changes. Bankruptcy docket, the courthouse states that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. This information is public records. So it needs to be removed immediately. That Makes this willful negligence on their behalf and a violation of the FCRA. As a result it is affecting my credit score and causing damage to my reputation. They keep sending from one person to another. I have been dealing with this for over a year now and about this bankruptcy account I demand that this account be promptly deleted. Also I am writing this letter myself so please don't say that this is from a third party to stall the process of removal from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen is engaging in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower. 

Please see attached letter dated XX/XX/2018. 

Ocwen has failed to deliver required foreclosure protections. 

Ocwen is using faulty information in the servicing of this mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Flagstar XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX We have been trying to send the attached documents to Flagstar we have faxed them in multiple times and they will not go through. I have this exact problem on another file, and this has been ongoing for the last several months with Flagstar on ALL our short sales with them. I have called in and attempted to get another fax number or an email address, and Flagstar has refused. 

Since their fax number has not worked for several months, the only way to get documents to Flagstar is to file a CFPB Complaint and attach the requested documentation. 

This is not acceptable and needs to STOP IMMEDIATELY. 

XXXX Flagstar currently does not have the ability to service their files and is in violation of their contractual servicing obligations.

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: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Im being pursued by Phoenix Financial for {$690.00} Creditor XXXX XXXX XXXX XXXX XXXX XXXX originated in Texas - XXXX after ( XXXX ) years This debt rolled off my credit report XX/XX/XXXX and then XXXX passed-off the debt to Phoenix Financial Service to continue hot pursuit. 
XXXX REMOVED XXXX unfair reporting and deleted them from my credit file because they were entering derogatory remarks TWICE per month? Now XXXX unscrupulous service has passed dead debt on to Phoenix Financial to continue with unfair reporting practices. 
Dear CFPB, Im contacting YOU as their big brother, please drown this alligator once and for all and lay this debt to rest with prejudice. I'd also like to file a formal complaint against XXXX for harassment. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A check of whether my data and my husband 's data was taken in the XXXX breach resulted in a " your data may have been compromised '' response on the XXXX website. As a result I put freezes on our data with all 4 credit reporting agencies and then requested annual credit reports from all of them. The Experian report displayed a phone number that was not and never has been mine. I called experian on X/XX/17 to ask why an unknown phone number was on my credit report generated that day. They stated that it might have come from a creditor but could not provide the name of the creditor and the rep laughed at my concern when I asked for an investigation into what creditor sent them the data. I asked for a supervisor to get more information and he then hung up on me. I opened a dispute on the info within the online version of their credit report but their phone response was unsatisfactory, rude and unprofessional. Given the seriousness of this data breach none of these agencies should be treating these issues so carelessly. I have just received via email the results of their " dispute '' followup on the incorrect phone number. It just states that the phone number has been deleted from my report. This response does not explain how the incorrect phone number was added to my credit report in the first place. If they are that sloppy with my basic information he can we trust them with this critical data?

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 2022-02-15
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive reached out to Credit Collection Services for validation of this debt twice via certified Mail and three times via phone call still have not received a response. I havent received any notice of this debt before it was placed on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Greetings ; I sent 3 rounds of letters to the credit bureaus, but they didn't do their investigation. I want to open an investigation about my credit report and delete the innacuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2018 the aforementioned debt collector called my employer 6 to 7 times during the times of XXXX and XXXX. There have been calls prior to this date. Today XXXX XXXX  at approximately XXXX, the debt collection agency was told to stop calling place of employment. I was informed by my employer of this called, and that employment was verified. Debt collector stated otherwise to my husband over the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is regarding Portfolio Recovery Associates. 

In XX/XX/2020, I noticed a new item reported on my personal credit report from Portfolio Recovery Associates ( PRA ) for a debt that I do not owe and that does not belong to me.

I sent multiple certified letters to PRA asking for verification of this so-called debt, and if they could not provide it to both stop contacting me in an attempt to collect it AND to properly update my credit report by removing the false debt.

Thus far, PRA has not responded to any of my written requests, and yet they use a robocaller to my cell phone 3-4 times a day attempting to collect this false debt. Thus far, they have been unable to provide a single piece of information, data, or evidence of any kind that this so-called debt belongs to me and it's validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: The Bureaus, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent The Bureaus a letter on XX/XX/XXXX, to the address reported on my credit report. That mail was returned to me. I don't know who they are or why they are on my credit, and now I can not request validation of the debt pursuant to the FDCPA. They have reported incorrect information on my credit report, substantially in the form of THEIR OWN ADDRESS! They are required by law to report 100 % factual information, can they be trusted to do this when they can not even update the credit bureaus with their own address?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Paramount Recovery Systems, L.P.
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:
paramount recovery system is a fraudulent account on my credit report and i tried to dispute this with XXXX  and they continue to keep it on my report it needs to be removed immediately i filed a dispute with XXXX XXXX and XXXX  and they both removed it immediately from my report. XXXX XXXXs the only one given me trouble and its not just this account also XXXX XXXX XXXX, XXXX account XXXXthese accounts are identity theft and are fraudulent activity that i reported to XXXX  and they consistently keep leaving this information on my report. this is violating my rights as a consumer and ask that this is fixed immediately it is affecting my report and i am trying my hardest to address this issue with everyone involved but they continue to leave it or say that that the information is accurate but it is not accurate and isnt authorized by me whatsoever and i am telling them it is fraudulent activity but they continue to deny me my rights i disputed these accounts multiple times to just have XXXX  tell me that they are not going to remove it XXXX and XXXX  both removed it only XXXX  is allowing this fraudulent activity to stsy on my report please remove these accounts from my credit report immediately please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Had late payments on the account when it first opened due to creditor had wrong address on file the late fees where adjusted due to the mistake but the account never reported that correctly

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: United Shore Financial Services, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A year ago, my husband and I purchased our dream home and finance our mortgage with UWM. Our experience through the financing process was seamless. We were very happy with the services we were provided. We were so happy that we referred other friends and families to finance their homes with your institution. Soon after COVID hit and like many families, we were financially affected. Our baby had just arrived and I had to go on an extended leave without pay to care for our daughter. As a result, we opted to refinance our mortgage to help make ends meet. Unfortunately, we were not able to refinance with UWM being that the cost and rate was not as competitive as other financial institutions to meet our financial needs. We began the refinancing process in XX/XX/2020. By XX/XX/2020, the request was submitted to UWM. When we began the refinancing process it was explained to us that a CEMA would be needed. We patiently waited but unfortunately to date, we have not been able to close on the refinancing. Our refinancing bank has exhausted all measures in attempting to obtain all the documentation needed from the custodian that is holding the collateral files. The attorney representing XXXX XXXX has been trying to obtain the collateral files from the custodian since XXXX and has followed up countless times with no result. I contacted XXXX XXXX ( attorney representing UWM ) on two occasions and all I have been told is that the custodian stated they will expedite the request but three months later we are still waiting. I attempted to obtain the name of the custodian for our mortgage and Mrs. XXXX said that information can not be disclosed to me. As a customer, who has been paying for a mortgage for the past year, I do not understand why this information can not be disclosed. Today, we were informed that out rate lock can no longer be held. As customers, we have made it our priority to make sure we continue to pay or mortgage timely. We have done the impossible to try to stay on top of our payments while we are able to refinance. We are highly disappointed that a financial institution rated so highly and who we recommended to our friends and family has let us down in a time of need. I have called UWM countless times in the past month and have not been offered no valid explanation as to why this process has taken as long as it has. As a result of the lack of diligence, we will no longer be able to keep our rate lock without having to pay a weekly fee. My husband and I are in hopes that UWM can provide us with answers as to why the custodian is holding our collateral documents and is not releasing them. We are in dire need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.

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 2021-02-24
Company: CMG MORTGAGE, INC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to get a modification from this company since XXXX. My father who is on the loan passed away in XXXX. After months of going back and forth with CMG they stated all they needed was my father death certificate which I sent to them back in XXXX. Then calling to check status a rep expressed that I would receive a letter that CMG is requiring a probate letter or will of my father. I expressed that they only required a death cert. This was now XX/XX/XXXX. I sent the will and updated paystubs and bank statements. Now I called last week on XX/XX/XXXX to make a payment and was told I couldn't because I was in the middle of a modification and that my file of the will was sent to adjuster. Now I call yesterday XX/XX/XXXX and was told that I have a point of contact, XXXX XXXX and that I would need to speak to her and then I was xferred but it went to voicemail. I left a voicemail and she did not call me back. I called CMG again today XX/XX/XXXX and spoke to another rep who states that my uniform borrower form is about to expire. I expressed to her all that I have been going through with CMG and she provided me the presidential complaint address for company. I told her what last rep told me about not being able to make a payment because I am in the middle of a modification but I am being recorded as late to the credit bureaus and she told me that she isn't sure why I was told that since I've been making payments during this process ( I am 2 months behind ) and that I could make a payment which I did. She also sent an email to Ms. XXXX to return my call. I have constantly received conflicting info from this company and there is no way i should still be going through this process that started back in XXXX of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a response in which they explained how their business was formed. In which the debt collection continues after a police report was fax to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TD BANK US HOLDING COMPANY
State: NC
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: Problem with personal statement of dispute

Complaint:
There are incorrect late payment on my credit with this company resulting in me not being able to purchase a home that I was already approved for and then went under contract and because of this I can no longer purchase a home and am not without a place to live

Company response to consumer: Closed with explanation