BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX, XXXX XXXX  ( women within ), XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX ( XXXX XXXX ), XXXX XXXX XXXX, Georgia XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XXXX card ), XXXX XXXX, XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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 ( XX/XX/XXXX ), XXXX XXXX, XXXX ( XX/XX/XXXX ) reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland funding has recently reported a debt on my credit reports that do not belong to me in the amount of {$940.00}. The alleged credit appears to me a company named XXXX. I asked for debt validation as allowed under the fair credit reporting act, and I was sent a statement with the name XXXX XXXX ; however the address listed that allegedly belongs to me was a XXXX XXXX XXXX that was illegible, and cut off, nor did the list the items that are required to validate a debt. I did not receive an original contract, a statement of transactions. They are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that I sue for {$1000.00} in damages for any violation of the Act. 
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court and could receive {$1000.00} for the incident plus damages, which I plan to do if this matter is nor resolved. This company had been involved in multiple class action lawsuit suits in regards to buying junk debt and harassing innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I did not sign up for this card. You can see how it was never used. The amount they where charging was an annual.

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 2020-03-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In mid-2014, XXXX sold off its servicing rights or mortgage portfolio to XXXX XXXX XXXX ( XXXX  ). Since inception, ACH was set up with XXXX to have monthly mortgage payments withdrawn from a designated bank account. When XXXX took over from XXXX, XXXX failed to properly transition my two mortgage accounts and failed to inform me of any issues with late payment. XXXX  reported delinquency in payments to the credit agencies. The designated bank account was always fully funded. I have attempted to have XXXX correct this error but was given no attention. I have since paid off the mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Under a recent direct of all XXXX credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage. 
The service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception. 
If the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state. 
The debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception. 
I hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Home Point Financial Corporation
State: MD
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:
Good Day, I am writing to dispute the derogatory credit mark made against me by Home Point Financial. Home Point received a payment of {$2900.00} on XX/XX/XXXX for the XXXX billing cycle. Due to an update to the escrow amount, the payment was short {$57.00}. I did not receive a notification letter nor was there an email or phone call of said change that would warn me that my mortgage amount had updated. After being out of the country from XX/XX/XXXX through XX/XX/XXXX, I was shocked to receive a letter from Home Point claiming I was 30 days past due on my account. 

Upon returning from being out of the country, I immediately called Home Point customer service to understand the matter fully and address it, I was educated by the representative that instead of leaving the funds in suspend ( per Home Point 's policy ), the payment was processed as a principal-only payment. The payment was never noted to be a principal-only payment, rendering my account 30 days late. If the payment was left in suspend, then the following payment of {$2900.00}, received on XX/XX/XXXX would have rendered the XXXX balance to be paid in full. After several calls to their customer service, they ultimately reversed the principal-only payment, acknowledging the incorrect process, but will not reverse the derogatory credit reporting caused by their error. Due to this processing error on Home Point 's part, I do not agree with the negative assessment placed against my credit report. 

In my 3 years of home ownership, I have never missed a mortgage payment, or any other payment for that matter, and my credit score and history reflect that. Home Point 's lack of clear communication regarding the escrow update, making my mortgage payment a principal-only payment, and the lack of ownership for their processing error, makes it clear that they do not care about the average consumer. 

Attachments : 1. I have provided a copy of their statement that explains their " Partial Payment '' policy, in which they did not follow. 
2. I have provided my payment statement that shows XXXX payments processed for the same amount as the XX/XX/XXXX, however, Home Point processed it as principal-only, unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: AES/PHEAA
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX   XXXX   , 2017,   I  contacted the   XXXX   XXXX   XXXX  . It was explained to me that my employer met the criteria for me to have my student loans forgiven after 10 years of on time payments. I scheduled to have the  XXXX  time  XXXX  $ fee broken up into different installments, and anticipated  XXXX  $ a month payments for 10 years, based upon my income. Unbeknownst to me o n  XX/XX/XXXX  I  was alerted via e-mail that I had to fill out an 'Employment Verification Form '. I had my employer fill it out and fax it TWICE, only to have Fedloan servicing or "   XXXX   XXXX   XXXX   '' as they also go by, tell me they should scan it and send it in an email. It was around this time that my lender,  XXXX  contacted me and let me know that in   XX/XX/XXXX  I   w ould have a payment come due with them. This was very peculiar and I started to think I had fallen victim to a scam. Why would I pay both them and  XXXX ? I asked. With no good answer I confronted the billing department and I told them that I did not think this was legitimate and they said if I did n't pay like I said, that they would report negative on my credit report. I will be reporting FedLoan servicing to the Better Business Bureau as well. Also I would like to note that  XXXX  had this company 's, ( Fedloan exchange ), California address on my student loan account along with my Idaho address. I never signed the 'Certification of Identity & Authentication to Disclose Personal Information '' Form, so Navient should not have any of FedLoan 's contact information. Also I received a letter that my employer was not eligible for the 10 year forgiveness program, which was the entire reason that I signed up. I managed to only pay  XXXX  $ before I realized the scam, and that has been recovered due to filing a claim with  my Credit Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contact BMO Harris Bank back XXXX 2015 for a short sale. At the time, I was working with XXXX XXXX and XXXX XXXX. they were both great to work with and very good at getting back to me, and vice versa I provided whatever they needed in a very quick turnaround. Well after getting approval, the buyers financing fell apart, so the deal was dead. About a month later we received another buyer netting same thing to the investor but I was transferred to working with those XXXX ladies to working with XXXX XXXX, and immediately following to XXXX XXXX now. She is horrible at responding to emails, and does not return phone calls and we are going on and on now waiting for approval again of something the investor already approved a month before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I sent in a request for EQUIFAX to update my creit report information and remove unauthorized inquiries. I sent in documents to verify my identity which were my drivers license that shows my current address, my social securuty card, and a bill that shows my mailing address. I contacted EQUIFAX omn the following dates : XXXX, and XXXXI explained to EQUIFAX that I am unable to retreive my report from MYEQUIFAX.COM.It tells me that I have no identifying information and none of my credit accounts show on the report, everything shows XXXX.EQUIFAX claims to have escalated this issue 6-7 times to no avail. EQUIFAX gave me a case # XXXX on XXXX, and informed me that it would be escalated yet again. I pay for credit monitoring services and I'm unable to retreive my credit report neither are my creditors. I just attempted to retrieve my credit report today and it says '' NO INDICATOR ON FILE '' .I have attached the report from today as well. EQUIFAX continues to delay in correcting this issue that Iv ; e been dealing with since XXXX XXXXEQUIFAX has my identifying information and documents ( color copy ) that verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: BB&T CORPORATION
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Branch Bank and Trust is reporting 11 late  payments fr om  XXXX -  XXXX   ... We  were in the process of a loan modification and it is now complete. THe loan was modified under the HAMP program through the government which ALL late payments affiliated with the loan mod are to be deleted. They have yet to delete them and they need to remove them.

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 2016-04-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am trying to work with Carrington Mortgage to refinance my house due to my recent divorce. I started the loan process a couple weeks before my divorce. The took my information including phone number and email address. The mortgage company set up my refinance loan under my name and sent all the documents to my ex-wife 's email address and phone number. I have asked my loan officer 5 times to change my email to the correct email. To this day this has not been changed. We are legally separated now and they are sending important documents to the wrong person. I was also notified by Carrington that they have a Loan assumption program for the USDA loan. That is what my current loan is. They advised me to send a fax requesting the " package '' to be sent to me. That was two weeks ago and I have not heard or received anything. I then asked my loan officer about it and she informed me that they do n't have that option. I looked online and USDA does offer that package between myself and the lender. They are currently my lender so I should be able to assume the loan. They are also asking for an appraisal after I just had one done less than a month ago and submitted it to them. To top it all off I have called the business on many occasions asking for a call back and have not once received a call back in regards to my questions. I have a deadline to refinance by XXXX XXXX according to my divorce decree. I am afraid that timeframe will not be met based on the interactions I have had with this company. Between the lies, lack of communication or no communication for that matter I am getting frustrated with the process and do n't want to lose my home based on their performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
My name is XXXX XXXX XXXX. I opened a corporate business account with American Express in XXXX. At the same time I also opened a blue cash personal account with American Express. At the time that I opened the business account, Ii was asked for my tax id which was provided and also my personal information. I was told that the business credit card was going to be opened under my tax id and my company '' XXXX XXXX XXXX ''. I was approved for the business card and the personal. Everything was going great until unfortunately I got very ill and I had to close the business. I was having a hard time paying the business account on time but I was making on time payments on my personal account. I was never late on the personal account. Now every time I fall behind on the business account payments, they block both cards. I believe at this point I was misrepresented by American Express because they never told me that they would link my business and personal accounts together. I believe that the point of the tax id is to open business accounts and for my personal account to not deal with the consequences of what happens in the business account. If a consumer entered a contract or an agreement as a result of a fraudulent or negligent statement is to be considered misrepresentation. I believe I am protected under the misrepresentation act of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: GA
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:
Ive been contacting Equifax for years about this XXXX XXXX XXXX  XXXX account # XXXX that is listed on my credit report. The last time in particular was when I submitted a CFPB complaint on XX/XX/2022 regarding this account. I was told by Equifax that I would receive information in the mail. I would a notice that the account information has been verified as accurate, which is incorrect. The account information is completely inaccurate and Equifax refuses to properly verify the information in which they agave listed on my consumer report. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. Ive advised this agency that the date of last activity is incorrect, this account updates monthly as CO as it should be, the past due amount has changed three times since this account has first charged off. How is this so if this is a dead account? Im asking for this account to be verified with the ORIGINAL COLLECTOR and that the ORIGINAL promissory note that I signed be sent to me along with Equifax correcting ALL of the inaccuracies on this account or delete this account completely due to this agencys inability to follow consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX , XXXX. a collection agency - reported to all three credit bureau that account they had as a debt not paid was actually paid in full and requested removal of that account on XX/XX/XXXX. All three bureau still were showing the account as active and not paid by the end of XXXX so I filed a dispute. Second request for removal was sent from the collection agency by the end of XXXX as an answer to inquiries from all three bureau. After that request XXXX XXXX an XXXX  removed the above account from their credit reports in the first week of XXXX. 
EXPERIAN kept dispute going on and kept reporting the account as an active and not paid. I called XXXX XXXX again and the agency sent another request for removal on XX/XX/XXXX. After that the XXXX  XXXX account disappeared from the Experian credit around XX/XX/XXXXand my credit  score increased 60 points but on XX/XX/XXXX Experian placed the same account back on credit report as a NEW LATE PAYMENT that was paid in full and my credit score plummeted 60 points. I called XXXX XXXX again asking why the account was placed back on the credit but the representative said she did not know why and told me again that they already sent 3 request to remove the said account from the credit reports - after every time I called. 
Experian representative - XXXX denied receiving ANY requests, denied the fact that XXXX  XXXX was ever removed before it was placed back but said that dispute was resolved and shows account as paid in full. He denied removal of the account as well as checking what happened with the request sent from XXXX XXXX XXXX. I was denied the conversation with his supervisor as well. 
By the way I checked the Experian report since I am refinancing my house and I was waiting for that account to be removed and it was removed not mention that it took me a long time to finally get the amount right since they wanted almost twice that much what I was really owed. I still paid {$200.00} more then I should but wanted that to go away.

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 2020-03-04
Company: College Assist
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Several attempts made to College Assist/XXXX XXXX XXXX XXXX by certified mail written request/ several e-mails, several phone calls requesting proper documentation/ proof of debt a treasury offset that has been sent directly sent to College Assist/XXXX XXXX XXXX XXXX from IRS between XX/XX/XXXX  XX/XX/XXXX  in the amount of {$23000.00} ( total ) There is nothing on any 3 credit reporting Bureaus showing any balance owed for any Government/ Student loans owed. I contacted US Department of Education to receive amount owed they stated they aren't showing a amount just that it is beinging serviced by College Assist and to contact them for the balance. I have requested for years for written proper documentation showing a balance owed and haven't received nothing so I could pursue my options of either paying off amount owed or contacting a debt consolidation to help resolve or file a Chapter XXXX or Chapter XXXX Bankruptcy.

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