BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to work this out with The Bureaus who is a debt collector. They are reporting on my consumer which is a violation under 15 USC 1692. By them reporting this to my credit it is defaming my character and my credit report. They are violating my rights and I will no longer tolerate this type of behavior. I am a consumer. I have laws to protect me as a consumer. I am not going to tolerate my rights being taken away from. I have sent an a invoice for the violations that The Bureaus violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am the victim of identity theft and have been working to fix my credit for years. I had perfect credit until some criminal ruined it. Slowly but surely I have proved accounts do not belong to me and Experian has fought me every step of the way. I have repeatedly disputed a XXXX XXXX account ending in XXXX on my Experian credit report. They have refused to remove it. Furthermore, they refuse to remove an address of XXXX XXXX XXXX XXXX that does n't belong to me as well. They are reporting credit inquiries that do not belong to me and do not meet the permissible use requirement of the law. Today I tried to upload a letter from XXXX XXXX, roof he account does n't belong to me, in PDF format to their servers. Even though the file was the correct format, they refused to accept it. They also refused to accept the below statement that was in PDF format. The files would not upload to the server. 
The following inquiries are fraudulent and unauthorized. They do not meet the law 's requirement for permissible use. 
Account name XXXX XXXX Date of request XXXX/XXXX/2016 Account name XXXX Date of request XXXX/XXXX/2016 Finally, they are reporting a XXXX XXXX XXXX and XXXX XXXX account that do not belong to me. XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ) refuse to respond to my repeated demands for proof of the debt. Experian is illegally continuing to report accounts that do n't belong to me. Their verification process is lacking. I have proved numerous accounts are being reported that do n't belong to me. Today I am submitting yet another letter for an account they repeatedly " verified '' as belonging to me and what do you know? It does n't belong 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 2015-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX letters to Experian have failed to get achieve any response other than " We received a suspicious request re your credit report ... ... and will not be initiating any disputes based on the correspondence. '' A further request from me to correct false data on the report has not been acknowledged for over XXXX months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: AMERICAN SOUTHWEST MORTGAGE CORP.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Complainant was referred by a web lending service to First South Mortgage in XXXX, TX. XXXX/XXXX/2015. Complainant was contacted by said lender and conveyed intentions to secure a refi cash out loan on a Texas rental property and use for the down on a new XXXX loan for a winter home In XXXX XXXX, TX. Loan officer assured me she could handle both loans by XXXX/XXXX/2015. Complainant entered into due diligence with loan agent. Loan agent misrepresented capacity and failed to close on dates promised, Complainant incurred XXXX extensions and addition expense due to lender malpractice. Lender upon indicating they would close the mortgages scheduled the remote notary to my home and it was discovered the refi was not included in the documents but delayed XXXX weeks. Complainant had to scramble and secure {$110000.00}. to provide closing funds to not lose the house. After contacting lender for why I was not informed both loans were not included, they lied and told me they never intended to run the loans concurrent, as was discussed on XXXX/XXXX/2015 and the basis of my awarding the loan packages. Complainant was not informed he was required to post personal funds to close, lender `` XXXX '' the XXXX mortgage and postponed the refi, after ALL due diligence had been done, to the tune of XXXX hours of my time and my secretary for both loans. ON XXXX XXXX lender emailed me, dropping the refi entirely, leaving me holding the bag for {$110000.00}. out of pocket and having to find a new lender to facilitate making me whole. Many details and malfeasance is left out here and can be included at a later date. The Texas XXXX indicate the Application of First South to begin business in Texas was not fully approved as of XXXX, 2015, according to their web site. Lender jumped the gun and began taking referrals from a web site and conducted business with this Complainant in a shoddy and criminal manner, without having completed their obligations to the State of Texas..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last year I contacted Sterus, Inc. about my inability to contact them with regard to my mortgage modification I have with them, I was not receiving documentation and was unable to send communication or speak with key departments, such as escrow or insurance. After about three months of this last year, the communication was fixed and I did receive my documents and the link on my account with this company seemed to be corrected. 
In XXXX, 2015, I contacted customer service to discuss my insurance which is included in my payments, actually thinking I was speaking to Seterus, Inc., but in fact was speaking to an outsourced divison in NC. In any event, they failed to take down my notes on insurance changes and no one got back to me. My new agent tried to handle this for me and they refused. I was trying to reduce the cost of my insurance to keep my payments the same or lower because I am on a low income. The current insurance company continued to raise their rates and its almost XXXX a year. I found a company to do the same thing for XXXX. After the phone call from my new agent, I called to speak to Seterus and they advised that an escrow analysis is currently under way which means that the negligence of the call center may cost me my house. Also I have notified the company more than once, that it was my intention to change insurance to keep costs down. So today when I called I was upset to find out not only did they refuse to pay the new insurance, they had paid the old one early. In speaking to the insurance department ( customer service did not help me at all here either ), I found that if approved the new insurance it would create a deficit in the escrow that would drive my payment up to an amount I could never afford. I needed to send a message to the escrow department to either hold the escrow analysis for a month or simply ask their advice on this matter since it is their common practice and it does DIRECTLY IMPACT MY MONTHLY PAYMENT ARRANGEMENT WITH SETERUS. 
I asked the supervisor ( XXXX XXXX ) to notate his refusal to contact the escrow department, or his refusal to make notes for the escrow department and also to contact yet again the IT department for the website, so I can send a letter via email to Seterus. 
I need to speak with them directly to clarify how to handle this expeditiously and keep my payment down. It just seems to me that they are trying to take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Exeter Finance Corp.
State: CA
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:
There were two hard inquires that I did not authorize. I do not know how these inquires were made and why. 

One was from XXXX XXXX - XX/XX/2018 Another one was from XXXX- XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls me daily twice a day during work hours. Their calls are stressing me out and I am starting to have XXXX  because of their daily calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28
Company: CORELOGIC INC
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
While applying for a mortgage our mortgage provider worked with CREDCO to pull my credit report. During a rapid re-score CREDCO improperly pulled my credit on both XXXX/XXXX/2016 and XXXX/XXXX/2016 creating XXXX separate hard inquiries which negatively impacts my credit score. The double pull was an error on their part and should be corrected. We 've requested CREDCO report this error to the CRA 's and they 've refused.

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 2016-04-17
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and the following accounts listed on my Equifax credit report are unauthorized and all fraudulent accounts that are not my accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, US Department of Education, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
It is taking Equifax XXXX times longer to review the activities of alleged creditors on my report than it took XXXX. I even provided them evidence XXXX concluded their investigation, and found in my favor. Yet, nothing has happened with my dispute since the day I filed it. 

I am. Trying to buy a home and this inactivity on their end is standing in my way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/XXXX/XX/XX/XXXX the following inquiries were removed from my Transunion credit report. On or around XX/XX/XXXX, these inquiries were re-added without my being notified in writing per the FCRA Section 611. I would like to have these inquiries removed. 
XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX I attempted to resolve this directly with Transunion to no avail.

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 2018-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at about XXXX, I XXXX XXXX the XXXX/XXXX of XXXX  XXXX XXXX in XXXX Maryland got a call from a Bank of American representative, She asked if I had made any online transfers within the past 24hrs.I said No. She told me to report to my local Bank Of American branch because some suspicious transactions has been noticed on my account.

I immediately reported to my local branch and it was discovered that some funds totally {$44000.00} has been illegally transferred from my account by unauthorized personals, who I do not know nor have any sort of of business relationship with.

The branch officer contacted Mr. XXXX XXXX, Bank Of American ; s small business representative. A decision was made to close the account and stop all my online transaction until the fraud issue is resolved. An investigation was also initiated to have the issue resolved. 
On XX/XX/XXXX I got a call and subsequently a letter from Ms XXXX XXXX from Bank Of American fraud department which indirectly accused me of knowing of the fraud because it was not possible for someone to go to my account to conduct such transaction. I told Ms XXXX that I do not know these individuals nor have I authorize anyone to conduct business on my behalf. They also indicated that, for such transfers to be made from my account that a notice must be sent to my phone by Bank Of America, no notice of such transaction was sent to my phone.They have also indicated that my phone might have been ported that could be the reason I did not receive any notice of the transactions on my phone. I have gotten my phone records during this period from XXXX XXXX XXXX which shows that my phone was not ported nor did I receive any message from Bank Of America.

A request for Bank Of America to reconsider their decisions was filed and up till now they have decided not to speak with me, respond to to my emails, nor my attorney 's mails or emails.

Is quiet unfortunate that I have been treated so bad by the staffs of Bank Of America especially XXXX XXXX despite the fact that I have been a loyal customer to Bank of America for over 12 years of being in business.

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 2016-04-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently looked at my credit report ( XXXX, Experian and Experian ) and it indicates that I was XXXX days late on my XXXX University loans in XX/XX/XXXX / XXXX 2016. 
I was not late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months ( Attachment XXXX ) shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
This incorrect record on my credit report has caused severe damage to my financial life, and I would like to request the credit bureau to immediately DELETE this record as it is false.

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 2016-01-22
Company: SUNRISE CREDIT SERVICES, INC
State: GA
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:
Sunrise Credit Services keeps calling me on my cell about a XXXX XXXX XXXX XXXX account that I do not have. They are trying to get me to pay money on an account I do not have. I 'm not sure how they got my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter in the mail about debt to a healthcare provider. There is no information about why I owe this debt or when this debt supposedly took place. They are threatening me that if I do n't contact them they will obtain a judgement against me ... And that they will submit a negative credit report to XXXX XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: SERVICEMAC, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicing transferred effective XX/XX/XXXX to ServiceMac from XXXX XXXX  XXXX Once I was able to log into their online portal I paid ServiceMac XX/XX/XXXX for my XXXX mortgage payment per instructions included on my Hello and Goodbye letters. XX/XX/XXXX ServiceMac auto drafted my bank account for another mortgage payment. I contacted them immediately and they stated this was an autodraft for my XX/XX/XXXX mortgage payment. They asking if I wanted either the XX/XX/XXXX or XXXX payment refunded. I stated I wanted the XXXX autodraft refunded since I do not prepay mortgage payments a month in advance nor am I required to. Unless the company applies the principle payment effective immediately there is no reason for a consumer to do this. They have yet to refund me the double charge after stating it would be refunded in 6 business days via email. I was contacted via phone XX/XX/XXXX only after complaining that I would contact the CFPB Friday XX/XX/XXXX if not refunded. I was asked if my payment had been refunded to which I checked my bank account and replied " No ''. I was told that I would be called back and she ended the phone call. I have not heard back. Again, as of XX/XX/XXXX at XXXX XXXX  XXXX I have not received a refund for either payment despite their website stating one has posted. I have attached a screen shot from their portal.

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 2015-07-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am having issue with negative medical bills on my credit. 
I do n't even know what to do because I have tried everything. I can not get the credit agencies to tell me any information about the credit. I have XXXX insurances so all my medical is covered at almost 100 %. So I know they are either not my debt or the medical bills were not processed through the insurance companies. I have called over and over. Disputed the debt. I do n't know how to proceed. This has negatively damaged my credit. No one has been able to help me. Now I am getting calls all the time from a debt collection agency that I believe bought the debt. As a consumer what can I do? I did my part by providing the insurance information. They do n't want to process it. Why should I have to pay full medical bills when I have insurance but the offices failed to file the paperwork? Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: SUNRISE CREDIT SERVICES, INC
State: CA
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:
Sunrise Credit Services Inc. states I owe XXXX {$110.00}. I have never had XXXX and do not owe this debt. I had XXXX Internet and XXXX through XXXX which I paid on time and do not any money to. I called XXXX at least ten different times to question what they are erroneously charging me and I kept on being transferred to XXXX stating claiming that I owe XXXX for XXXX. In fact, I had credit with XXXX and do not owe {$110.00} to XXXX or XXXX at all. None of my attempts with XXXX were ever resolved and ended in calls being disconnected, being on hold for over an hour and being transferred numerous times without the charges being dropped as promised by an XXXX representative. I was told the charges would be dropped and to call back the following week to see that the charges were cleared and it ended up in going to a debt collector. Please Help since Sunrise Credit Services nor XXXX is willing to resolve the issue which is affecting my credit. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1300.00} EXPERIAN XXXX XXXX  XX/XX/2021.

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 2016-04-22
Company: Second Round Limited Partnership, Austin, TX Branch
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Hello, I received a summons to court By this collection agency and I am unaware as to why. I have not received anything prior. I do not know who this debt is from. It just stated that it is a XXXX account with XXXX owed. Also it states that the last payment on this account was XX/XX/2013. That was 3 years ago. I have no recollection of an account with this amount owed. I have paid many of the debts that I owed from when I was going to school. I would like to have verification of this debt as I am unaware of this. I would also like to have this summons to court revoked as I have not received any prior contact before this. I was just hit with a summons via mail through the court and am very upset. Thank you in advance.

Company response to consumer: Closed