BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
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: Public record information inaccurate

Complaint:
I 've been trying to dispute inaccuracies on my credit report as well as an authorized items on my credit report I 've contacted all three credit bureaus and disputed all of the items that were not authorized and inaccurate I was asked to send in a police report which onXX/XX/XXXXI did as well as a Federal Trade Commission report was made as well as I 've sent in letters stating these were not my accounts they were inaccurate or they were not authorized by myself I 've received a confirmation that I would be having these remaining on my credit report and I 'm not sure why I needed to send in documentation pertaining to the case if they were not going to help me I am trying to get my credit report to reflect the accurate files and items that I have accumulated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Caliber Home Loans, Inc.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Im filing a complaint against the mortgage company, Caliber Home Loans. 

There are two parts to this complaint : ( A ) Im being wrongly accused of owing Caliber Home Loans $ XXXX dollars in escrow shortage costs, and ( B ) Caliber Home Loans has wrongfully dinged my credit score for a late payment that never happened since I was set up on automatic payments. 

- Last week - on XX/XX/XXXX - I called Caliber Home Loans and spoke to a representative about the sudden increase in my upcoming XX/XX/XXXX mortgage statement. The representative was unable to explain to me why the escrow amount increased in my upcoming mortgage payment, nor provide evidence to explain why there was a XXXX escrow shortage ( especially when my current escrow balance on XX/XX/XXXX indicated a positive XXXX amount ). 

On top of this, when I spoke to a different XXXX Home Loan loan officer about a refinance on the same day, I discovered XXXX had not only miscalculated my current escrow dues ( and upcoming dues ) but they also dinged my credit score for a late payment back in XXXX XXXX which shouldn't have occurred since I've had automatic payments set up for that loan completed in XX/XX/XXXX. 
- I've had a total of 3 loans with Caliber Home Loans since XXXX. In reviewing the attached documents, all 3 of my loans had a similar county tax and insurance cost. As a homeowner exemption, my tax per {$1000.00} net is {$6.00}. Caliber is Home Loans is paying double that AND trying to charge my escrow. 

Caliber Home Loans is also charging me for windstorm insurance which was not included in my estimated escrow and closing disclosure at the time of my refinance. XXXX was also not included in my previous 2 loans with Caliber Home Loans. 

My escrow should be paying county taxes of ~ {$4900.00} for the full year or 2 payments of ~ {$2400.00}. My current escrow balance should be nearly {$2000.00} if they ( XXXX XXXX paid the correct amount of insurance and taxes. 

On the Caliber new quote document provided for my upcoming mortgage statement, you can see the previous year where they claimed to pay county tax and windstorm insurance which is where the " shortage '' comes from. 

In all three loans with Caliber, I've had ACH auto payment setup with Caliber - but for some reason they didn't set it up until XX/XX/XXXX on my current loan. In the documents attached, you will also see that they charged me three payments at once in XX/XX/XXXX and then dinged my credit in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently received a copy of my credit reports with inaccurate, unauthorized alleged inquires. I 've followed all the proper steps by phone and by certified mail in reference to removing these inquiries from my credit reports. ( XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning these inquiries that you are reporting on my credit reports. If you do not have any documentation in your files to verify the accuracy of these inquiries then PLEASE DELETE THEM IMMEDIATELY as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

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 2022-04-05
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX 2021, I had two XXXX XXXX performed by XXXX XXXX XXXX XXXXn XXXX XXXX Pursuant to that, XXXX XXXX XXXX  in XXXX GA acquired XXXX and now they are XXXX XXXX XXXX and in the summer of 2021, sent me a bill for approximately {$440.00} for these tests. I called their billing department and told them that my XXXX approved these tests and that they should be pursuing payment through them. My XXXX is on file. The lady I spoke with acknowledged that insurance should pay for this and told me she would handle it and that she would call me if there was a problem. That was the last I heard from them until this week when I received a notice from the credit bureau that National Recovery Systems had filed for collection resulting in a XXXX point drop in my credit rating. I never heard back from XXXX ( XXXX ) nor have I ever heard from National Recovery Systems. This morning I spoke with XXXX and was told their claims department sent this to collection but I could not contact them. The rep did say she would send them an email but I have little confidence since they never informed me there was an issue and sent the debt to a debt collector who never contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Southwest Credit Systems, L.P.
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: Account information incorrect

Complaint:
SW CRDT SYS - They have accepted payment in full as negotiation of settling debt. The attachments to this complaint contain a {$1.00} money order front and back, and a screenshot on XXXX XXXX  showing they accepted the {$1.00} money order. They have refused to remove item off credit report and update my owed balance to {$0.00} even after processing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I banked with XXXX a few years ago and had fraudulent over drafting on my checking account via XXXX - I submitted a fraud request and was never given the approval or able to work with somebody regarding this. Years later it is still marked as Account Abuse on ChexSystems and I would really like to get this resolved & removed from there.

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 2022-04-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I are the successor trustees for the XXXX XXXX XXXX " XXXX ''. XXXX passed away on XX/XX/2022. We have been trying to obtain a closing balance for the reverse mortgage XXXX had and we have hit roadblocks every step of the way. We have done everything and provided all pertinent information that Champion Mortgage has asked for only to be told that we are denied finding out the balance. To say that we are a bit angry and certainly frustrated is an understatement. We have spoken to Champion Mortgage at least 8 times and have faxed documents to them 3 times upon their request. This information has our personal information on it such as our Social Security numbers. Upon attempting to contact them again this morning, we learned that Champion Mortgage has been sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently received a copy of my credit reports with inaccurate, unauthorized alleged inquires. I 've followed all the proper steps by phone and by certified mail in reference to removing these inquiries from my credit reports. ( XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning these inquiries that you are reporting on my credit reports. If you do not have any documentation in your files to verify the accuracy of these inquiries then PLEASE DELETE THEM IMMEDIATELY as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Resurgent Capital Services L.P.
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 information incorrect

Complaint:
The original credit line of this card was XXXX they are trying to say i owe more than XXXX i dont know from where or how

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found out the other day AMCA -- American Medical Collection Agency -- has reported a debt to my credit report. I had never received any communication ( telephone or written ) about this debt from AMCA so I had no idea about it nor did I know I could dispute it. I only found out because my wife and I are attempting to get a mortgage for a new home and this showed up on my credit report.
I contacted them about this and they are refusing to remove this from my credit report. I asked for a copy of any bill/information about the original debt and they said they can only mail it via US Mail. This is fine, however, since they claim to have mailed it previously -- and I never received it -- I do n't know whether I 'll actually receive anything from them ( yes, we confirmed my address with them ). Since the mortgage is a time-sensitive issue, I 'd like to have this removed from my report while I await any communications from them.
I have no problem paying the debt -- if it 's truly my debt -- but I do n't believe I should pay for it without any documentation and I do n't believe my credit should be negatively-affected due to me never receiving any communication from them previously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX transferred my loan to XXXX while I was in a XXXX XXXX. This debt was paid then forgiven by XXXX however XXXX XXXX XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the XXXX credit reporting agencies to correct this information to no avail. I also provided the XXXX credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my XXXX XXXX Attorney and will file a grievance with the bankruptcy court against this company and XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. UNITED REVENUE CORP ( Original Creditor : XXXX XXXX XXXX ) I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX XXXX  / {$0.00} / XX/XX/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 2017-10-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Free Annual Credit Score re : experian.com I have spent most of the afternoon with EXPERIAN on the web and phone trying to accomplish two simple things : 1 ) Placing a security freeze to my credit report. EXPERIAN was able to allow me to ACCOMPLISH this.
2 ) Obtaining my free, annual credit score. EXPERIAN was a DISASTER of circuitous, unhelpful links and phone numbers.
No one seemed able to help me or answer the simple question : how do I obtain my free, annual credit score, without having to purchase an Experion membership or contract. The last person with whom I spoke was rude and transferred me to XXXX number for Membership, which announced there would be over a half hour wait.
Thank you for looking into this and being there for all Americans.

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 2022-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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 mother XXXX XXXX opened her account in 2010, she is now XXXX years old. She recently under my care and I checked all her fees that are deducted from her checking account, and we called the bank and confirmed that the XXXX XXXX monthly fees have been deducted from her account every month because the account had to have {$1000.00} or more in her account monthly. My mother does not recall agreeing to these fees because she has direct deposit, and she was told that there would be no monthly fees as long as there is a direct deposit of {$500.00} or more and in her case direct deposit of {$500.00} or more continued to this date. 

Total amount taken from her account is approximately {$3000.00}. 

Please help. 

Thank you, XXXX XXXX XXXX XXXX XXXX ( daughter )

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 2022-04-05
Company: Garrison Investment Group
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Good day. 

Since XX/XX/2021, I have not been able to receive statements. I used to sign in online and despite conversations with the lender directly to understand why the statements stopped populating while I have made on-time payments struck me as unusual. 
No resolution has come from me trying to resolve this with Foundation Finance directly. I have some concerns as I do not see balances reflecting my payments. 
Even if they were applied correctly, I should be receiving a statement monthly on an active loan to see where I am. I am requesting assistance to get Foundation Freedom to show me statements for XX/XX/2021- Present. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
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: Was not notified of investigation status or results

Complaint:
I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: LD Holdings Group, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a XXXX XXXX loan modification and had payments due in XX/XX/XXXX., XX/XX/XXXX, and XX/XX/2018. When I called to make the first payment on XX/XX/XXXX ( I had until the last day of the month ) they informed me my house had been sold in foreclosure to XXXX XXXX. I have been battling this with both Loan Depot and with XXXX XXXX ever since XX/XX/XXXX. and have been told numerous times that it was Loan Depot 's fault for not advising the foreclosure dept. They passed me off to different agents this entire time where I would have to explain the situation all over again. They sent out company wide emails while I was one the phone explaining that it was a wrongful foreclosure but nothing has come of it. XX/XX/XXXX XXXX XXXX sold my house to a renovation company and I have just received my 10 day notice to vacate. 
I've learned this is called Double-tracking and it is illegal. I can not find any attorney to help me for some reason. I will fight this till they kick me out of my home but this is my daughter 's home. She was born here. She is XXXX years old. I had $ XXXX in equity in the home but lost my business and had trouble making payments. I though this Flex Mod. was my saving grace and it ended up being the hardest thing I've ever dealt with in my life. Whoever reads this, I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my balance on XXXX/XXXX/17. Unbeknownst to me I was a day late. I incurred a {$30.00} late fee twice and XXXX {$2.00} minimum balance fees. I thought my bill was paid off but what was happening was a bill of fees. Very unethical standards for this XXXX account held by Commenity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: LEXISNEXIS
State: VA
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:
On XX/XX/XXXX I send a letter to the credit company 's standing that my bankruptcy was placed on my credit, not by the courts, and need to be removed. The letter attached from the US court stating they do not report to the credit companies.

Company response to consumer: Closed with explanation