BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-30
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 have fraudulent accounts listed on my Equifax credit report that do not belong to me. I have sent numerous letters and police reports to Equifax disputing the inaccurate information listed on my report and I received numerous letters from Equifax informing the disputed information is accurate. I want the following fraudulent accounts listed on my Equifax credit report removed immediately from my credit report : XXXX XXXX XXXX, Account Number : # XXXX XXXX, Account Number : # XXXX XXXX XXXX, Account Number : # XXXX XXXX XXXX XXXX, Account Number : # XXXX XXXX Account Number : # XXXX XXXX, Account Number : # XXXX Collection XXXX, Account Number : # XXXX Of XXXX, Account Number : # XXXX XXXX XXXX Account Number : # XXXX XXXX Bank USA XXXX XXXX Account Number : # XXXX BankXXXX XXXX XXXX Account Number : # XXXX XXXX XXXX, Account Number : # XXXX Loan XXXX XXXX XXXX Account Number : # XXXX Bank/GLELSI, Account Number : # XXXX Bank, Account Number : # XXXX XXXX, Account XXXX : # XXXX XXXX. XXXX, Account Number : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Trans union several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Trans union credit report and to stop this harassment.

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 2016-08-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
my credit score is low because I just found out that an account that was closed in XXXX 2014 is still reporting till this year that I have not made payments. this is causing me low score. Why is it still saying that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I was misled into believing the credit reporting service of Experian and XXXX was a one time charge instead of subscription, and was charged recurrently. 
I tried to cancel my service, and both agencies have very difficult websites to navigate for a simple task that I assume most who visit their websites intend to do.

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 2016-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Experian has refused to remove a debt in which I requested the extremely old account to be removed. I have no payment history as I never made any payments so any history there would be fraudulent reporting on the creditors part. I know the organization can not produce any payment transactions because there are none. So to falsely report is illegal. Neither is the account attached to another account. I am within guidelines to have the extremely old debt from 2005 removed and ask that Experian please remove it immediately. It has been 11 years. The debt is XXXX XXXX open date 2005 account number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX, 2016, the escrow on my mortgage account went up {$31.00}. I was never contacted. I submitted the payment on-line, on-time as always. The next thing I know I receive an alert from my credit monitoring that I have a potentially negative item on my report. I investigated and contacted the company ( XXXX XXXX immediately ). I expalined the situation and was told that they would investigate. I called two weeks later yo inquire about the status. They explained that it would not be removed. I then proceeded to dispute with Experian, first online and then by certified mail. I included all documentation and proof that the payment was made on time. 
I also submitted the same information to XXXX. I have not received a second response. 

Experian refused to remove the information, despite providing all the documentation.

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 2017-02-17
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I first requested my free yearly credit report from the government web site in XXXX 2016. Experian said they did n't understand my request. 
I just today made my 3rd request for that same first report.Experian is again asking for ID I have already provided twice before. Can you help me get my reports from these XXXX? 

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 2015-07-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have information that is on my credit report this does not belong to me ... the address XXXX XXXX XXXX XXXX, MD XXXX and several accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX These accounts need to be removed asap I have filed police and ftc reports regarding this issue. 
Police Reporto Report number : XXXX Officer Name : XXXX XXXX XXXX # XXXX XXXX police department

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05
Company: EQUIFAX, INC.
State: SC
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSWORLD SYSTEMS INC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, this company has been trying to charge me for a service that i already paid and disconnected, they chargerged me twice in one month for {$120.00} and {$70.00} all in the month of XXXX when the XXXX XXXX  hit the XXXX, mind you i had no service since the XXXX of XXXX all the way to the end of XXXX since the power was down in most parts and they were not equipped with backups to keep the service running, i encourage this company to take a look at the account and stop sending mails to charge for a service i did not received properly, they then sent a debt collector to threaten me that if i not pay said amount my credit will be damaged which can not be true because i was never in a contact with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: OH
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:
hard inquiry on XX/XX/2023, i did NOT apply for a credit card. reported as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage Service acquired my mortgage from Citimortgage about 8 months ago. Since that time they have created many different problems for me overall being unable or unwilling or both to process their own documents and to resolve the issues. The issues have included requiring me to refinance my mortgage because the overall portfolio they purchased had too much risk, being unwilling to set up the auto payments through my bank to ensure on time electronic payments despite me filling out the paperwork XXXX ( XXXX with a notary public ), charging me extra fees to make payments just to keep my account up to date due to their own inability to process their documents, offering online bill pay through their website which never actually is able to process a payment, forgetting to close out the previous loan account which they required me to refinance which led to massive confusion about wether I had a loan with them or not, and the list goes on and on. This company has been torturing many americans over the last few months as can be seen based on XXXX personal reviews written all over the web describing similar problems after each person had their mortgage acquired from larger banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home. I paid off the existing loan before the 30-day late period, yet my credit score has been hit with a 30-day late on the account. It has been a month and it is still there. They are saying I am paid in full and never late, yet my report still shows it.

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 2016-04-01
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a checking account with BBVA Compass bank AND a XXXX XXXX account in XXXX. 

They have an option to transfer money from XXXX account to the other " instantly '' generally within XXXX minutes.. 

They frequently debit my money right away and then delay the deposit in the other account. Unless I call and spend approx XXXX minutes on the phone with people that are clueless about this process to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage through Carrington Mortgage company for several years. In 2015, I elected to refinance to take advantage of a lower interest rate and that is when my problems started. They refinanced my loan but when they did, they paid my insurance company twice. I did n't catch the error until much later ( when my insurance company issued me a refund check ). When I called the company, they had no idea why my escrow account was short so I was n't sure if that was what actually happened. I agreed to pay additional money so that my escrow could be caught up. Now, this year, it is showing short again by XXXX dollars. When I called them, they admitted they had paid my insurance company twice but when I called my insurance company, they are only showing where it has been paid once. I need to know how to handle this. I ca n't afford to pay more money. Can I make them send me copies of the checks where they disbursed the funds? Please advise. Thanks, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Many calls to my cell phone number XXXX XXXX XXXX from Professional Bureau of Collections of Maryland , Inc XXXX 
I do not owe anyone anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
LoanCare, XXXX, VA XXXX is the worst Mortgage company in the US and has been a huge problem since it was purchased from XXXX. They have taken out loan pmt from autowithdrawl on the wrong dates twice, causing overdraft fees, they have taken out pmts twice in one month, they have sent letters regarding nonpayment of property taxes. My taxes are paid in full as of XXXX XXXX. I have sent them documentation of these transactions and they still say I have to send them more info regarding prop taxes. The voice mail to talk to someone takes at least 10 minutes per try. Their system disconnects or does no connect to the supervisor when requested. These people should be stopped. XXXX and XXXX have many many many complaints about this company. 
It is mortgage XXXX and they have to be shut down.

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 2016-10-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of 2010 I realized I would need to let my home go ( located at : XXXX XXXX XXXX XXXX ; XXXX, WA XXXX ) At that time I began seeking advice on what to do. I was told to protect myself I should file bankruptsy which I began the paperwork for and filed in XXXX 2010. I notified everyone concerned that I was doing so and completely emptied the house by the end of XXXX, again notifying them they could take immediate possession of the home, please note that I worked very hard to leave the home in good shape where someone could move in immediately with the exception that the furnace had gone out and was unable to be repaired and needed replaced. For about a year they sent me notices of past due and I would call and tell them the house was vacant I had filed bankruptsy and they would say they would take care of it. Then it stopped for a while and I began getting notices from the Carrington Mortgage Services that they were insuring the house under my name and it appeared the cost was also being somehow listed under me? Again I called them after many attempts finally got a live person who said they would take care of it. They began sending me requests for my tax ID ( SS number ) so they could issue me a document that appeared to be the amount they were losing on the house, again I told them I had filed bankruptsy. I recently received yet another communication stating they would report me to the IRS if I did not supply that information. I sent them a letter back along with my bankruptsy discharge and papers showing the home was included. It took a month to get back the receipt and it came with a letter now stating that I owe {$7600.00} for delinquent payments between my first notification I was vacating the home in XXXX 2010 and when I had formally filed the bankruptsy documents with the court in XXXX ... at least I think that is what it is. The attorney that handled my case assured me that I had done everything I needed to do to protect myself. I am feeling very much like I am being harassed, I take care of my adult daughter with a XXXX and XXXX XXXX year old granddaughters and still work full time. I am hoping someone can help me in getting this all to stop. I appreciate anything you can do or direction for me to go in trying to resolve this once and for all. 
Thank you - Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: Financial Asset Management, Inc.
State: NV
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I had a pending payment due on XX/XX/2016 of this month. When I learned my deposit was not coming in until the XX/XX/XXXX, I sent the company an e-mail and this is what XXXX responded : " If it is going to return back then we will need to decline your new loan request. We will notate your account and your other loan is still scheduled for the XX/XX/XXXX. '' I had a pending loan that I had tried taking out so I could have money for the holiday. This is my response : I just got the decline notice. That 's fine. I can try again after it clears on the XX/XX/XXXX. I just want to get a little extra before the holiday since I have no groceries. 

That being said, I was under the understanding that the payment would be taken out on the XX/XX/XXXX, not the XX/XX/XXXX. However when I checked my account on the XX/XX/XXXX, I found that I was overdrawn. The payment attempted to go through which resulted in a slew of overdraft fees, the cancellation of my online payments to the gas company and a state of financial dire straits until the deposit came in. Unfortunately, the majority of my planned deposit was taken by overdraft charges. I incurred about {$200.00} in overdraft fees because of this incident. 

Then, out of this last paycheck XX/XX/XXXX, XXXX payments were taken out from this company because of the returned payment which I had tried to avoid leaving me with precious little in my bank account to pay my rent, pay my utilities, get groceries, and other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Endpoint Resolution Services (ERS)
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XX/XX/XXXX at XXXX I received a call from Endpoint Resolution Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX from the number XX/XX/XXXX I spoke with XXXX. XXXX represented himself as a law firm stating that I was going to be sued for an undisclosed amount owed for a XXXX account, he stated that their company only takes on accounts in which the debtor has assets that have been verified ( I own nothing, have been unemployed for 3 years, and homeless in the last year with XXXX children ). He stated that " You WILL be going back to work, you WILL have wage garnishment '' and that I would be served by a process server in the next 3 days who will come with a security team and that I should be prepared, at which point he was specifically warned that this is a second amendment residence, and that I did not appreciate his threat or comments for the need of a security team. 

I was immediately irate because he spoke to me in a condescending manner, represented himself as a law-firm and threatened me with a lawsuit and made comments about a security team coming to my home, he was rude and mumbled through our conversation. He did not state the company name, did not mini Miranda me, and told me that I will be paying up!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Springer Collections Inc.
State: AZ
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:
Account Name : SPRINGER COLLECTIONAccount Number : XXXXPast Due : $ XXXXFor one I requested a validation of debt and received no response in the appropriate time allowed. As a result I disputed the transaction but springer contested the removal. I do not owe XXXX or springer any money. They forced a charge on my credit card, I disputed and it was proven that this was an erroneous charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The credit card from XXXX XXXX XXXX is not mine. I do not think it is fraud because I called them and they can not find my name or personal information in the system. It is simply a mistake. They put someone else ' s information on my credit report. It 's been there for years. Fortunately whoever has this credit card is paying it timely, but it 's not mine! How can I get this removed from my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
file # XXXX chapter XXXX ... According to FCRA ... Transunion failed to provide proof and how they verified the above file # .. They claim it was verified.. According to the FCRA they just violated my right under the FCRA rule ... You ca n't just send a report to a dispute saying you verified information. They failed to validate and send proof of where they got the information from. I already checked with the court house they claim the credit bureau do not verify with them at all ... They need to provide this information otherwise this file # XXXX has to be deleted immediately from 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