BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My student loans were transferred from XXXX to XXXX on XX/XX/2022. On XX/XX/2022 I received notice that my loans with XXXX  XXXX XXXX were all listed as closed instead of transferred on my credit report. This caused my credit score to drop XXXX points with XXXX and XXXX points with Equifax. I called the XXXX and was advised to send in proof of the credit hit by obtaining a credit report. The credit report does not show credit scores, so that is not an effective solution. XXXX allowed me to purchase my score but there way to provide score history to reflect the drop on their site. The loan should be listed as a transfer since XXXX did not renew their contracts with the U.S. Department of Education causing the loan to be transferred. I need my credit score restored as the servicers were given guidance on how to make the updates so it doesnt impact credit scores. The transfer of my loan should only change the servicer name on the credit reports and not indicated as a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
American Express utilizes a third party collection company known as XXXX XXXX based in XXXXXXXX XXXX. XXXXXXXX XXXXl represents to the credit card debtor that making a monthly payment to retire the entire balance due would stop any collection action and allow the credit card to be reissued after the balance is paid in full. The debt collector fails to inform the consumer that the " Charge Off '' reported by American Express will be reported each and every month you make a timely payment. The explanation by the debt collector is that each time you make a payment it reduces your balance by that amount and they report the new updated balance of the " Charge Off ''. What they fail to further disclose is that a negative payment reported as " Charge Off '' will be reported. My financial arrangement was put in place over 17 months ago and now instead of a reporting to third party credit bureaus as 1 charge off payment the negative history on the account is actually worse than when I entered into the repayment plan. This is false, deceptive and misleading to the consumer. They should not be allowed to report any further negative credit if payment arrangements are being made timely as agreed to with the debtor. I hope that CFPB reviews this matter as it is obvious the financial arrangement between the parties is not being represented properly and American Express is using a third party to avoid the regular banking rules and laws established by the United States Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I sold my house on XXXX/XXXX/XXXX I was to receive my overage of my escrow of about {$2700.00}. My mortgage company was Ditech Financial LLC. XXXX XXXX, XXXX XXXX, SD XXXX, XXXX, fax # XXXX. I have been contacting them for months trying to get them to release my money. Each time I call I 'm told that I should receive my check within the next 10 days. After the 10 days no check ... .. Last week I believe on XXXX XXXX or so I called again.This time they asked a manager to help. The manager asked for my routing # and account # that they would wire me the money by the end-of-the-day. NO MONEY AGAIN. I then called them the next morning asking why they did not wire my money. I was told to leave a message for the manager. At that time I stated that if I did not receive my money by the end of business that day I would be filing a complaint. As of today I still do n't have my money ... ... 

I have given this company my up dated address a few times and my checking account information.I sold this house XXXX/XXXX/XXXX and today is XXXX XXXX, XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXX # XXXX, # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2017-05-01
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XXXX  transferred my Reverse Mortgage in  XXXX  to Champion Mortgage Company. They terrorizing me since end of last year by harassing and threatening as well as unlawfully actions. They wanted proof of insurance for my condo. The policy from th e HOA and my per sonal insurance were submitted numerous times, but they still sending me threatening letters, denying they have received the policy copy. Even though they sent me on  XXXX / XXXX / XXXX  a confirmation letter that they have cancelled the force placed insurance in my name because there was no lapse in coverage, I still get these letters with threats up to delinquency and foreclosure. In the meantime the HOA insurance agency faxed the new insurance to  XXXX , which expires on  XXXX   XXXX , they ignore this and sent letters. Because of the unlawfully forced place insurance they deducted my monthly payments since  XXXX  for {$20.00} I wish they stop harassing me and refund me the {$20.00} per month since  XXXX  and continue to pay the {$20.00} in the future with the original payment plan of {$210.00}. Since they do not make any profit no longer and I had to sign  ( the  first time ever an occupancy form ) I believe they on purpose unjustified threatening and harassing me to make me abandon my home  or to drive m e to death so they do not have to pay me no more the monthly payments. Trying to talk to them at  XXXX  is hopeless ; they act like they are robots, reading a giving text non-stop.   This nightmare must come to an end!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Early Warning Services, LLC
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I met this guy on XXXX XXXX, his name on XXXX was XXXX XXXX and had quite trustworthy profile. He had previously shipped an item through XXXX and had around XXXX seller reveiws. He seemed like a mature guy and had a wife and XXXX kids. He was selling XXXX XXXX XXXX. I was looking for such a phone so I ordered it through XXXX XXXX. He reached out to me when we negotiated on the price and asked me to cancel the order because if I placed the order through XXXX, they will make him wait to receive the money. He then asked me to transfer the money through Zelle to his account after which he will send me the XXXX. He gave me his Zelle address which was XXXX where his name appeared to be XXXX and I transferred him {$450.00} under the confirmation number XXXX. He said his brother also has XXXX in his name but they both prefer XXXX. He said he will send the phone and created a shipping label and sent me pictures of the phone in the box. He told me he will send it through USPS and provided me with the tracking number. He also told me to expect the phone by Wednesday the XXXX XXXX XXXX. I often checked the tracking number on USPS website but it always said label created USPS awaiting item. I got worried around Monday as he could create a label from anywhere. I texted him and asked to check the status of the shipping to which he responded that he would once he reaches back home but he never did. I texted him again after a while and he did not read the message. I tried to go to his profile but at this point when I clicked on his account a page popped up which said content not available. He either blocked me or deactivated his account, since he got the money. I am a student and absolutely can not afford to lose {$450.00} like that. I tried talking to my bank but they said they can not do anything regarding scams. He initially gave me a number too just to gain my trust. This is the number he provided XXXX, I tried calling this number but he won't answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Asset Management Outsourcing, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent Nationwide Recovery Services letters requesting validation in regards to a debt that is currently reporting on my credit report for {$490.00}. I have NEVER received anything from this company stating what these charges are for. This is a false debt that I want removed from my credit report before I obtain a lawyer and pursue legal routes. This is not fair! I ask that this company remove this erroneous mark from my credit reports immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: TCF NATIONAL BANK
State: IN
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
TCF BANK LOAN XXXX HAS VIOLATED THE '' THE DODD-FRANK ACT ). PROHIBITING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES IN THE COLLECTION OF CONSUMER DEBTS. 
31 F.C.R.A. VIOLATIONS, UNLAWFUL RE-INSERTING LOAN ONTO XXXX AND XXXX CREDIT REPORTS ( WITHOUT 5 DAY NOTICE TO CONSUMER ) BY CHANGING ACCOUNT TYPE, STATUS, DATA ETC.. AND FINALLY RE-AGE DEBT. 

203 T.C.P.A VIOLATIONS TO MY WORK AND CELL PHONE, AFTER CEASE AND DESIST ORDERS AND DO N'T CONTACT NOTICES. I HAVE ALL RECORDS, VOICE AND DOCUMENTATION. 

S.O.L. EXPIRED STILL TRYING TO COLLECT ON A DEBT THAT S/B/ DISCHARGE UNDER H.A.M.P.2MP MODIFICATION BY XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Retention Consulting Services Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I called the office to verify why a courier was being sent to my home. Their office informed me that I owed XXXX companies in their office money and that if I didnt pay they would get a judgment against me and get more money than I owe. I let them know that I am XXXX and that I was waiting for a hearing the early part of next year to get an income in so I could pay them but they stated that my refusal to pay now will cost me.they told me to borrow the money and pay them now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
I have had an account with American Express since 1987, but American Express refuses to report this to the credit bureaus. 

Instead they continue to report my car as a new account even though my America Express account shows me a member since 1987. 

American Express NEEDS to correctly report my account start date to ALL three bureaus with the 1987 date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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:
I have submitted Identity Theft reports and required documentation for proof of my identity to credit bureaus along with requests for complete credit file disclosures from the companies listed but Ive only received credit reports. Im asking for all the information and documentation that each agency has stored on my file. A full individual file disclosure associated with my identity so I can confirm the accuracy of the information in the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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:
XXXX XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX  XXXX, XX/XX/XXXX Account does not belong to me XXXX XXXX  XX/XX/XXXX does not 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 2019-02-16
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Ref : Any/all accounts you have now and in the future This letter is to formally advise you that I am requesting you to Cease and Desist, all communications with me immediately regarding any account that you have or receive in my name or social security # now and in the future and remove all negative marks your company added to my credit report. And if you are the original creditor this may apply to you. And since you are not the original creditor, you must comply. 

Your conduct thus far is unacceptable and borders on harassment. 
Please be advised that the following apply to you. 

Pursuant to the Fair Debt Collection Practices Act : Debt Collection Practices If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, and remove all negative marks from credit report doing the investigation of this case. The debt collector shall not communicate further with the consumer with respect to such debt. 

You are governed by this Act as a third party, debt collector or creditor attorney. All communication with me including phone calls to my home or business must stop immediately. 

The only communication you may have with me is to provide proof that the accounts, have been removed and the negative comments have been removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Pingora Holdings, LP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pingora Loan Servicing , LLC leaked my highly confidential PII including my SSN, name and address. It did not have proper security in place and as a result my data was breached. This can have a lifelong affect on my credit. They are offering a XXXX  year credit monitoring service as a make-good on their irresponsibility that can affect the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX  XX/XX/XXXX, {$24000.00} This does not belong to me XXXX XXXX XX/XX/XXXX, {$1200.00}, This does not belong to me XXXX XXXX XXXX, XX/XX/XXXX. This does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, This does not belong to me. 
XXXX XX/XX/XXXX, XX/XX/XXXX. This does not belong to me. 
XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX. {$36000.00} XX/XX/XXXX XXXX XXXX XXXX {$96.00} XXXX XXXX XXXX XXXX, {$10000.00}, XX/XX/XXXX. Does not 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 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was informed by my salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.

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 2016-05-03
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX has sat vacant since before XXXX XXXX, 2013. It is located a XXXX XXXX coming into the XXXX of XXXX, VA. and the City has been improving XXXX XXXX to be more appealing to people entering the City. Because of this house is sits directly on XXXX XXXX, the City has been contacting the XXXX to do something to make repairs on the house. Because of the condition of the house, there has been an adverse affect on any house that is on the market for sale. The XXXX has always suffered from the reputation of being housing for low income residents and this house condition reinforces the preconceived reputation that our XXXX has.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX, account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Billing service for one of my doctors applied a {$20.00} credit from XXXX/XXXX/XXXX to a {$35.00} co-payment from XXXX/XXXX/XXXX leaving a balance of {$15.00}. The billing service 's inadequate records did not reveal that the good doctor refunded me the {$20.00} four years ago, therefore leaving no credit for the XXXX/XXXX/XXXX visit for which I paid the full co-pay of {$35.00}. {$35.00} minus {$20.00} leaves {$15.00}. Over a span of over two months, I repeated provided proof of the doctor 's {$20.00} refund and proof of my full co-payment of {$35.00} to both the billing service and the collection agency, First Federal Credit Control ( " FFCC '' ). FFCC tacked on the erroneous {$15.00} balance to my XXXX/XXXX/XXXX service date balance of {$210.00} for a total debt collection of {$220.00}. I paid the doctor the {$210.00} and provided proof of that payment to FFCC. In spite of my best efforts to clear my account, FFCC filed a notice of debt collection with the XXXX credit reporting agencies for the erroneous {$15.00}. After I called FFCC about the posting of debt collection with the XXXX agencies, the " mistake '' was admitted and I received a XXXX/XXXX/XXXX letter stating FFCC requested deletion of the erroneous debt from my credit. Why was it sent in the first place, after repeated attempts to clear the account? This is fraudulent. I also filed a dispute with the reporting agencies.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: OK
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: Other problem getting your report or credit score

Complaint:
I called Experian on XXXX XXXX to have my consumer file mailed to me. I could not get a rep on the phone to have the consumer file mailed to me nor was there an option to choose consumer file on the automated system. 15 USC 1681g states that every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer all information in the consumers file at the time of request.

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