BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-16
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
When I divorced, my ex-husband was given ownership of our house and the debt associated with it. He, however, never removed my name from the mortgage and when he died and it went to collection, my credit rating was damaged. I have contacted the company with the divorce order but they said it does n't matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX claim my credit account was 30 days pass due when their company policy states that if I paid my account in full, they would mark my account current and any late payment would be removed. I have already spoken to the company about the matter and they refuse to remove the late payment despite their current policy to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HI, i have summited stolen identity report before but still affected my credit but in the grace of God i was able to buy my house here in XXXX ill and now im applying for a very good job career and i dont want this to affect me, they were many companies charging me for credit cards also light bills, gas bills and phone bills in other states, ic systems was the last one i remember and the amounts were many too, XXXX {$500.00} , XXXX $ and other amounts, i hope this doesnt affect me in continuing my dream career as a public servant with one of the most respectful federal companies in the world. thanks.

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 2017-05-29
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Apparently for some reason, Diversified Consultants Inc. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the   XXXX   major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed.
I disputed this account back on  XX/XX/XXXX  on my  XXXX ,   XXXX   and   XXXX    credit reports to no avail. Diversified Consultants Inc. continues to ignore my requests and they continue to ignore my consumer rights.
I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted.
Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a billing statement. This item does not qualify as fell verification per FCRA.
In the US Law Encyclopedia,   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  . Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that Diversified Consultants Inc. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request. Diversified Consultants Inc. is blatantly disregarding the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
PLEASE IMMEDIATELY REMOVE THE LATE PAYMENTS SHOWN 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 2022-03-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX claim my credit account was 30 days pass due when their company policy states that if I paid my account in full, they would mark my account current and any late payment would be removed. I have already spoken to the company about the matter and they refuse to remove the late payment despite their current policy 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 explanation
Consumer complaint received 2019-11-26
Company: EQUIFAX, INC.
State: NC
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:
The company is XXXX XXXX Furnishings. Their website states you can get prequalified without impact to your credit. I submitted a prequalification since it does not submit a hard inquiry or impact my credit. The company pulled my credit anyways causing a hard inquiry to show up and in fact lowered my credit score. I did not consent or give permission for a hard inquiry. Their website is misleading and intentionally lies to consumers that they do not impact their credit for a prequalified application. I have submitted several disputes to equifax and had submitted a complaint to the FTC without receiving any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Select Portfolio Servicing Inc just took over the mortgage on XXXX XXXX XXXX XXXX XXXX sent me a letter last year XXXX XXXX to start making payments to Select Portfolio Servicing Inc. I just received upon request a Satisfaction of Mortgage Dated XXXX XXXX Mortgagee hereby acknowledge full payment of the debt secured by the mortgage and direct the Clerk of the Circuit Court to cancel of record. This mortgage was paid off in full and I have not received my Mortgage Deed. Instead Im still making payments to someone Portfolio mortgage brokerage account. Its not closing on a mortgage I wanted to get a payoff because I knew this mortgage was paid off in full. They would never give me a answer concerning when I ask this mortgage should have been paid off no response from Select Portfolio Servicing Inc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Credit Plus Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have two credit inquiries on my credit report that I did not do from Credit plus on the XXXX and XXXX of XX/XX/2022. I did not authorize and of the inquiries and have no idea. Kindly assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Bridgecrest Credit Company LLC XXXX I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business in my state.

Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed

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 2016-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There was an account opened with XXXX I have never opened an account with XXXX. I am a victim of identity theft. below you will see. 

Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 32 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$3100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ 0 Times XXXX/XXXX/XXXX Days Late XXXX Remarks Charged off as bad debt Purchased by another lender Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 


Creditor Contact Details XXXX XXXX, TX XXXX ( XXXX ) XXXX Direct Dispute

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 2022-07-12
Company: Medical Data Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a violation of my Hipaa Law Right they recieve my Personal medical information and claim they XXXX XXXX XXXX XXXX XXXX attach is the letter along with the information they received from the medical center

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Aurora Financial, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Wednesday XX/XX/2019, I had an exchange with a representative from Aurora Financial - NMLS#XXXX, XXXX XXXX XXXX. My original mortgage was with this company and they offer and advertised a no cost refinance solution (attached a screen shot of the page on XX/XX/2019). The rep refused to offer this program to me which would have brought a refinance 15 year rate to 3% based on what was advertised. He claimed that the offer was only valid for customers who had created a loan in the last 6 months. This was not indicated anywhere. The rate was supposed to be based on the 15 year 30-day RNY + 0.5% margin (which was at 02.52571 on XX/XX/19). The loan officer told me they would not offer the advertised program to me. I believe it could have possibly been discrimination and/or false advertisement of a program. I mentioned to the rep that I would be filing a complaint, and since then they have updated the terms of the program online and raised the margin spread. I have attached a PDF of the original page, and I have an email exchange with the representative from XX/XX/19.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collections account in question was opened on XX/XX/XXXX with an original balance of {$290.00}. For over four years I have attempted to dispute or make contact with the company. I never received a notice of rights to dispute as shown in the attached document of the first notice I received. I have spoken with agents of this company asking for further verification of the debt in question. I have never heard back from Grant & Weber with additional verification of the original debt owed. 

In XXXX I was on XXXX in California and my cost of medical care was {$0.00}. I was never contacted by XXXX XXXX XXXX about this debt. I am unaware of what medical care or procedure was performed by this group. I was informed via phone call that Grant & Weber would attempt to verify records that I received, and was billed for, medical care through XXXX XXXX XXXX and there has been no communication back. This collection continues to negatively affect my XXXX XXXX and credibility as a borrower. The most recent update to my account with them was on XX/XX/XXXX with a balance of {$450.00}. 

I refuse to pay this debt until it is proven and verified by XXXX XXXX XXXX. Otherwise, I continue to view this as a fraudulent charge as there is no proof of original bill.

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 2022-07-12
Company: Experian Information Solutions Inc.
State: NY
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:
There is an account. Credit card. Which does not belong to me and would like to be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This credit card shows in my credit report. It doesnt belong tome

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 2016-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed the information twice on Transunion as fraud, they investigated and failed to remove. I called the collection company ( XXXX ) and they refered me to XXXX. I called and it was not event my name or social security number, they claimed mistaken identity, yet this was on my credit rating, and I contested this??? What kind of investigation was done, and why is there so much incompetence? XXXX said that I should be getting this removed and a confirmation letter in a few days all I got out of them was XXXX XXXX and XXXX XXXX, in XXXX, TX was where the bill came from. They assured me it was not idenity theft as this person did not have my SSN, was the claim, but then how did this occur??? Please investigate this and follow up # XXXX in the amount of {$780.00} XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: OH
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 sent a certified letter ( tracking number XXXX ) to EXPERIAN asking them to do a proper investigation and delete these erroneous accounts from my credit report : Account 1 : US DEPT OF ED XXXX XX/XX/XXXX {$5600.00} Account 2 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$3100.00} Account 3 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$3000.00} Account 4 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$1900.00} Account 5 : US DEPT ED XXXX XX/XX/XXXX {$6400.00} Account 6 : U S DEPT OF ED/XXXX XXXX XX/XX/XXXX {$11000.00} Account XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$820.00} Account 8 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} Account 10 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 11 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$6700.00} They stated that these accounts were properly investigated and verified but how is that possible if the open date is inaccurate, the date last active is inaccurate, the balance is inaccurate, and date last reported is not accurate. This is grounds for removal according to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). 

And to add insult to injury XXXX has also violated my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these credit bureaus written permission to furnish these accounts on my credit report. I am requesting that the CFPB hold these bureaus accountable according to the law and delete those accounts.

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 2020-10-27
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This is about two different collection agencies attempting to collect a disputed charge from XXXX ( XXXX  ). I have sent both of them a letter disputing the charges.

I will attach a copy of both letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm filing this complaint because Transunion has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and ca n't verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2020-03-10
Company: Home Point Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since I had my home in XXXX, my mortgage company has been changed 3 time. My current company Home Point financial, which I have been with since XX/XX/XXXX, has increased my monthly payment every year. What I dont understand is no one in my neighborhoods mortgage has been increased. I have a single family and its only my spouse and me. 

When this mortgage company took over my monthly bill was {$630.00}, then to {$680.00} and not they are increasing it to {$710.00} as of XX/XX/XXXX. 

Why does it increase seems every 6 months, when my income isnt increasing to keep up. 

Ive owned a home in XXXX  for 15 years before coming to XXXX  and never has my monthly mortgage payment change so frequently as this. And the cost of living in XXXX  is more expensive then XXXX. 

Bottom line is why this is happens and how does anyone not go bankrupt? And is this a normal practice. I would be open to a new mortgage company if this keeps happening, because eventually I wont be able to afford it! 

Please help me with this, Ive asked for clarification from the mortgage company but it all sounds toooo technical for the command person to understand. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a bill for equipment that was not given to me from XXXX XXXX. XXXX XXXX gave this bill to ERC to collect. ERC inflated the amount of the original XXXX XXXX bill by {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I just checked my Experian credit report I am appalled because they have 11 inaccurate addresses, 3 incorrect phone numbers, last four of my social incorrect they have it as XXXX not mine, 2 incorrect employers, 4 incorrect last names for me and that I have 24 accts. My correct name is XXXX XXXX XXXX my employer is XXXX XXXX XXXX all other information that they have for me is incorrect not accurate at all

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 2015-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I received a letter from Trans Union stating that I had signed up for a service with them. I contacted customer service to access this account that I supposedly had opened. Upon doing this, I discovered that someone had opened an account with what I assume is a fraudulent card, at an address I had never used, and took a copy of my credit report. Upon closing the account, I requested that my account be completely locked so that nobody can access it. I was told that it would be, but that they would not send me an email confirmation, and would not send a letter confirmation. He said that in essence I had to take him at his word.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation