BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-13
Company: Stearns Ventures, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took a mortgage with Sterns Lending in XX/XX/XXXX for a condo in Florida. At the time of closing the state official who processed the closing documents notified me that my mortgage seems to have been sold already. The person at Sterns that I dealt with denied it. The next month I received a notice that XXXX XXXX was collecting my mortgage payment and I was given address to send payments. Since then I have been given a new address to send payments with no explanation. Upon calling XXXX to find out what was happening with my mortgage and to ask them if they owned or were selling my mortgage they told me my mortgage wasn't ever owned by them that they were only a collection agency. They told me my mortgage was owned by a company called XXXX XXXX XXXX - a name I have never heard of before. I have no information from or about XXXX XXXX XXXX and no way to contact them. It is now mid XX/XX/XXXX and I have no idea who I have a mortgage with or who to pay. I have two different XXXX locations telling me to pay them. According to my research I should be notified if my mortgage is sold. Further, looking on line I see that Sterns ( original mortgage agent ) is in bankruptcy, but when I call the agent there he claims nothing is wrong and the he still has control of the mortgage.

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 2015-12-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When we first got our loan from 5/3 bank, things were good. Until we got our tax bill from XXXX XXXX the following year. Apparently out taxes were not being paid by our mortgage company, even though we had an escrow account. After talking to 5/3 at length about the issue, they then paid the taxes, late fees and all. This is important to note since after talking to XXXX XXXX, they said had they not paid it right away, they could have reduced the late fees. This essentially cost us thousands of dollars. This shocked me because instead of our mortgage company going to XXXX XXXX and trying to reduce these fees, they were more interested in causing us more hardship. The really messed up part is that they rolled those late fees, which were all because of them into our escrow shortfall. Now maybe that is my own fault for not arguing with them to get that fixed at the time, but I did n't think that they were looking to essentially take advantage of us. I actually trusted them. Now here we are 1 year later and we get another increased bill because 5/3 did n't question the tax bill. While I understand that if they get a bill from the city/county they have to pay it, but it was pretty obvious to me at one glance that when my summer taxes doubled, that there was a mistake by the county/city. So instead of a mortgage company looking out for it 's clients, all they did was take advantage of the situation. They raised our bill and to compensate for the shortage. I have since called the county/city and they have stated that it was an obvious error and had they been alerted to it earlier, they could have corrected it before the payment was submitted. They sent it to the board and have revised the taxes. I have sent this information to 5/3 and they said that they will not correct the issue until they talk to the county, which is funny that if they had done that in the first place none of this would have happened in the first place. So now they want me to pay the increased bill even though we ca n't afford it and they are threatening us to make the payment. I have explained that as soon as we get this check from the county/city, we will make our payment. It has become clear to me that this company is all about getting more money from their clients then they are about actually take care of their clients. They have taken advantage of us and done nothing but done so unethically and negligently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to investigate every piece of information on the accounts I have listed below. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the following reports attached. 

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 XXXX 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 non-monetary relief
Consumer complaint received 2021-11-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Services has me in collection with the wrong DOFD and a different amount that I was not able to pay the original creditor. I have disputed these mistakes more than 10 times to all the credit bureaus. XXXX and XXXX refuse to investigate this error and it is financially harming me. 

The actual DOFD was in XX/XX/XXXX according to XXXX XXXX report. XXXX has my DOFD as of XX/XX/XXXX. Portfolio Recovery Services has an account opening date of XX/XX/XXXX. The original amount past due was {$1600.00}, Portfolio Recovery is requesting me to pay {$1900.00}. I have tried to contact them and they do not reply. I have contacted the credit bureaus and as I mentioned they send me a computerized form that says the information on the credit report is right. The bureaus are not investigating this issue, I have personally called the credit bureaus and I am told it would be removed but nothing happens. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX CASH 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 a account without my written instructions

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 2022-06-16
Company: EQUIFAX, INC.
State: FL
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 AcXXXX XXXX XXXX XXXX  Bankruptcy : Bankruptcy XXXX. XXXX, 2017 {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX. XXXX, 2017 Classification Bankruptcy Type XXXX XXXX Bankruptcy XXXX XXXX XXXX  Amount 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: CITIBANK, N.A.
State: WV
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:
On XX/XX/ 2020 a hard inquiry appeared on my XXXX credit report that I did not authorize. I contacted XXXX, who informed me to file a complaint with the FTC. This was a fraudulent inquiry. I absolutely did not apply for credit with Exxon.

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 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have four hard inquiries on my credit report that should not be there. These inquiries are here due to inquiry issue! I would like them removed. 

XXXX, supposed inquiry date : XX/XX/XXXX XXXX : supposed inquiry date : XX/XX/XXXX XXXX XXXX XXXX supposed inquiry date : XX/XX/XXXX XXXX XXXX Supposed inquiry date : XX/XX/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 2020-01-13
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: Their investigation did not fix an error on your report

Complaint:
These accounts are past the reporting time that the credit bureaus can report negative information on the credit report and I've sent them dispute letter about 30-40 ago and they sent a letter back stating it was verified. I believe this is a violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2018, I opened an account with XXXX XXXX XXXX  got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Freedom Mortgage Company
State: MT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, XXXX, my husband and I paid off our mortgage to Freedom Mortgage. XX/XX/XXXX, we began getting letters and phone calls from Freedom Mortgage ( here after called FM ) stating our payment was late and we would be charged a late fee. I called them and talked to XXXX at FM. She stated our payment had been misapplied and she would apply our payment to the payoff of our mortgage. It did not happen. I talked to XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX XXXX and XXXX on XXXX/XXXX/XXXX. All stated the payment we made would be applied to the final amount due on our mortgage. It never happened. In the meantime, we received another bill, doubling the amount due and it also included a fine for a late payment. XX/XX/XXXX we began receiving eviction notices. On XXXX XXXX, XXXX, my husband sent a certified check to FM. XXXX said the reason our first check was cashed and put into a funds held account instead of being applied to the principal was because it was not a certified check. She said it was illegal for them to take a personal check for the last payment. So we sent the certified check. That bill included unpaid principal, late fees, accrued interest, and a statement fee. We paid it all because they told us to, then they would reimburse us. They also assured us none of this would effect our credit score. It did. They reported us to FICO and said we had missed a payment. XXXX from FM assured me it was XXXX mistake, they had not reported that ( she said XXXX had done that to her personally several times ). On XXXX/XXXX/XXXX I was advised by XXXX to contact their customer care department by email. I did so. They do not correspond by email. I received a letter in the mail stating we would hear from them in 30 days. We did not. I wrote them 3 times, the last time I received the same letter on XXXX/XXXX/XXXX stating we would hear from them in 30 days. We have not. On XXXX/XXXX/XXXX I talked to XXXX from XXXX. She did a conference call with FM. After a long wait, XXXX came back on and stated yes, we had been reported. And yes, it was incorrect. XXXX asked if she could remove the item, and XXXX said no, she did not have the authority to say that. Thankfully, XXXX contacted her supervisor and they did remove the complaint. I have included several names of people we talked to at FM. But there were many more XXXX XXXX XXXX, XXXX, XXXX, XXXX, just to name a few. We tried to resolve this issue many times with Freedom Mortgage. Each time getting a different answer, sometimes rude, sometimes hanging up on us, sometimes kind but ignorant answers.

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 2020-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have contacted Kohls credit card company requesting a ' SIGNED CREDIT CARD AGREEMENT BEARING MY SIGNATURE ''. I have not received this information as of today. I have also sent in a copy of a FTC Affidavit, copy of my passport, and a Nevada utility bill. I did not contact Kohls credit card to change a address it was only supposed to be used for correspondence purposes only! Online fraud is flowing rapidly and I would like to see some sort of documentation with my signature on it so this can be resolved. I do have legal representation on standby if this do not get resolved immediately. Send the signed credit card agreement bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receiving calls repeatedly from this company in regards to some debt I have no knowledge about. Have not received any documents for proof or verification of the debt. Getting harassed by phone calls on a daily basis pretty much. Theyve also added this debt onto my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Freedom Mortgage Company
State: DE
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The owner of a condominium unit passed away in XXXX of 2011. Since that time, there has been no action taken except for the bank changing the locks on the unit and completing a property preservation in XXXX of 2011. The mortgagee, Freedom Mortgage Corporation ( XXXX XXXX ) has not made any payments to the condominium association since changing the locks on the unit. There has been no foreclosure action initiated by the mortgagee. The association is owed in excess of {$13000.00} not including any late penalties or interest accrued.

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 2022-10-03
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is saying that my last dispute came from a third party when it was me who submitted this dispute. I need a response from Experian regarding this complaint & not a computer generated response or a request saying that I need to call them to authorize it. This is a stall tactic that theyre using & Ive submitted the closed complaint to my attorney

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 2016-08-02
Company: Moria Development, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
A mortgage lender opened a credit card in my name without my permission. She did this during the process of my mortgage loan which we never closed on. She stopped responding to my phone calls and emails and when I asked her about the credit card via email, I never got a response from her. She stopped all communication and because of that, I lost my dream home, my money that I invested, time and money lost from taking off work to provide all the documentation that she needed. Now my credit report has a fraud alert on it and it is now causing me to pay deposits for things like my XXXX bill of {$250.00}.

Company response to consumer: Closed
Consumer complaint received 2016-12-12
Company: Diversified Adjustment Service, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called literally XXXX times regarding a fee that XXXX charged my company when we cancelled our telephone services with them. This company is Diversified Adjustment Services located in XXXX, MN but when they call me they have their number appear to be a local number which is an XXXX area code which I am wondering is legal to change the appearance of your number like that. We had been contacted by XXXX about renewing our phone services but told them we were looking to change carriers. We were then told that since we have had services for 2 years already there would be no break up fee if we cancelled the new contract. We asked them again to be certain no fee would be incurred for breaking the contract as we were fine going month to month but again were insured there would be no fee. A few months after agreeing to a new contract verbally, no paperwork was signed this was all done via a phone call from XXXX, we changed our service to another XXXX. When we got our final bill there was a fee of {$300.00} for early termination which we contacted XXXX to say we did not owe. They originally said the call was being recorded so we asked them to pull the recording but only XXXX to 4 months later when we questioned the bill they stated they could not find the recording. Now we have explained this to XXXX, XXXX other collection agency and now Diversified Adjustment Services will not stop calling me. We recently sent them a formal letter to quit calling as the debt is disputed but they have not received it as of yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: FL
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 hard inquiries that I do not recognize or did not authorize appearing on my credit report XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call for a family member regarding a debt owed. After explaining to the representative several times that she had the wrong line. She was very unprofessional and insisted that I leave a message for my family member or provide her with an alternative number to contact them directly. I eventually ended the call after asking her repeatedly not to call me.

Company response to consumer: Closed with explanation