BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: IL
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've paid for credit monitoring services with XXXX  for over a year and beginning XX/XX/20, I was unable to update my scores and reports with Equifax and XXXX. I contacted XXXX  with a help ticket and was in constant contact with them regarding this issue. They could not find an issue so I decided to contact XXXX  in order to receive my reports and scores from them. I confirmed my identity and was told that Equifax that I would not release my scores or reports as I did not have a valid credit file to release due to not having enough credit history or not having a long enough address history. When I contacted Equifax on XX/XX/20, I was told that they have no issues on their end and I show no freezes or blocks on my account that would prohibit a monitoring service from accessing my report to give to me. I was also asked to purchase their monitoring service for {$10.00}. I was then told after being transferred that their system was down. When I was transferred again, I was denied my request of speaking to someone that could fix the issue and told that everyone has the same access. They sent me a complimentary copy of my report and score as of today 's date, but still have not given me an answer as to why I can't get my scores or reports from any other monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home XX/XX/XXXX. Since my purchase, my loan has been sold twice, first to XXXX XXXX XXXX & this last time to Carrrington Mortgage. Looking through the paperwork that I received in regards to the sale I think Carrington Mortgage purchased my loan XX/XX/XXXX but my first letter of contact from them was XX/XX/XXXX. While XXXX owned my loan they pulled my mortgage payment from my checking account twice a month, the XXXX & XXXX for the amount of {$1300.00}. My last payment made was XX/XX/XXXX made to XXXX. I assumed that Carrington would continue to honor the payment arrangements. When next payment came up on XXXX XXXX no payment was removed. I waited a few days assuming that things might be a slow because of the sale. I finally called Carrington regarding the payment not being pulled & was informed that I need to re-apply for this service and that because I was behind on the mortgage they would not consider me until I was caught up. When I inquired about being behind they told me that because they had yet to receive the XXXX XXXX payment I was now overdue ( XXXX pulled this payment on XXXX XXXX and Carrington took over loan on XXXX XXXX ). I was also informed that I had an escrow shortage and that my payment was going to increase. As of XXXX XXXX I will be a little over $ XXXX late on my mortgage. I have cashiers checks for XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX but I 'm not allowed to make these payments because Carrington does not accept partial payments ( XXXX XXXX is still missing according to their records ). We are risking our credit and losing our home, but would like to see Carrington continue to honor the same terms of our loan that was established with XXXX. We would also like to see them take the partial payment XXXX pulled and apply it to XX/XX/XXXX. When that payment is applied we could then catch up on our loan with the cashiers checks that we have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
My mortgage loan was transfer from XXXX to Carrington Mortgage Services back in XX/XX/2016. My credit score has drop because I do not have a current mortgage listed on my credit reports. I have contacted Carrington about this several times, and they still have not put it on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: MO
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX has violated my rights XXXX. XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 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 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX OF XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXX XXXX XX/XX/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 2015-03-31
Company: The CMI Group, Inc.
State: TN
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:
It is showing that I have a bill from charter communication in XXXX tn from XXXX and I have lived in XXXX TN since XXXX. I 've never had charter communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our home at XXXX XXXX XXXX, XXXX XXXX, CA was foreclosed on while in a modification with BSI Financial Services. 

* Our home was foreclose on XXXX 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 2022-04-22
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-10-13
Company: Diverse Funding Associates LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX XXXX received a certified letter disputing an account listed on my credit report. I requested, by certified mail, that the accounts be disputed in accordance with the Fair Credit Reporting Act Sec 623 ( a ) ( 3 ). Additionally I requested proof of debt bearing my signature. I received only a letter from XXXX stating they needed additional information to verify account holder information. The letters I sent all included my address and a partial account number they were reporting to the credit reporting agencies. 
I re-ran my credit report 30 calendar days after the receipt of my dispute letter, and the company had not requested the accounts be marked as disputed to the Credit Reporting Agencies. That act alone makes them guilty of non-compliance of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] After I verified that the XXXX had not even communicated that the account had been disputed to the credit reporting agencies, I sent another letter letting them know they were in violation of federal laws. I received nothing back from them. 
XX/XX/XXXX, I sent a third letter telling them that the account remained undisputed on my credit report and that my intention was to file a complaint with the FTC, and sue them for willful noncompliance with the FCRA 623 ( a ) ( 3 ). 
I have found out since that even though XXXX has received all my letters requesting proof of any sort of debt, the account was sold to a company named DNF Associates. They ( DNF Associates ) have since begun to harass me and my parents. They contacted my parents and told them they were attorneys, and were needing to speak with their son ( me ) concerning an urgent legal matter. I called the number the next day and talked with a man named XXXX who was trying to verify my identity by asking if " I was the XXXX who had a bankruptcy in XXXX. '' Clearly these individuals have no intention of doing the right thing. 
The information they are reporting is incorrect and fraudulent. I have acted in good faith and gave them an opportunity to send some sort of contract, or proof of a debt. 
I am requesting that the accounts be removed as they have already exceeded authorized time ( 30 Day ) to investigate the accounts, and provide me any documentation bearing my signature for proof of debt or account ownership. I want it rectified asap. My next step is to contact a lawyer to litigate due to harassment, and defamation.

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 2015-09-14
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
There is a collection account on my credit showing it was opened in XXXX and it was NOT. The account was opened in XXXX or XXXX so it has been well over 8 years. I have tried to contact the collection agency in which this debt is placed and the number provided on my credit report for the agency does nothing but automatically hang up on me. This derogatory mark is preventing me from obtaining a home for me and my XXXX children. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Residential Credit Solutions, Inc.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
XXXX/XXXX/XXXX called 3 times notifying of house fire informed I did n't need to do anything even though my XXXX was saying otherwise. XXXX/XXXX/XXXX I was able to finally file a claim and packet would be sent out. XXXX/XXXX/XXXX called again informing still have n't received packet so another packet to be sent then I requested it to be faxed. Unable to fax after a 2nd request. Finally faxed XXXX/XXXX/XXXX filed out and faxed back. Called several times to make sure they had everything they needed. I even spoke to the supervisor XXXX on 2 separate occasions regarding mis-information and requested she listen to recorded call and asked to speak to someone above her for which she stated no one was above her. I filed a formal complaint to management. I finally received my first money draft XX/XX/XXXX so my contractor could get started on my house. I called in several times after trying to make sure no further delays. XXXX/XXXX/XXXX I called to check progress was informed an inspection had been done awaiting results. Called XXXX/XXXX/XXXX and XXXX/XXXX/XXXX informed they were still waiting on inspection report. I figured out on XXXX/XXXX/XXXX an inspection had n't even been done. The mortgage company is holding money that my insurance company gave me to rebuild my home. All this time they are drawing interest on the money. All this time me and my family live in a hotel. I do n't know their process but I expect them to know nor do I have access to their system. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Tribal Lending Enterprise, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan for XXXX dollars. payments were XXXX until paid off. on the XXXX payment, i called them and they stated i had XXXX payments left and my current balance was XXXX dollars ( XXXX more than my original loan, after paying XXXX off, just XXXX weeks after getting the loan. I was told the interest rates accrue every single day and there is nothing i could do about it. Now i can not stop the charges from hitting my accounts.

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 2016-06-14
Company: McCullough Payne & Haan, LLC
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I wanted to choose both options above, which are : Sued me without properly notifying me of lawsuit and sued me where I did not live. Meaning, they sued me in a county where I have never lived at. I got the case file from the county they filed in. I was never served and it states it in the paper work. 


Let me tell you about this practice this company has with filing garnishments and lawsuits in different counties, so that the person that they are after does n't have a chance to respond, answer, or show up in court on a court date they were never notified about. Yes, that is me. The only reason I was notified about this garnishment is because my job notified me. Please keep in my that my job tried to stop the garnishment because they have been doing this for a few years now. They then threatened to go after my employer. They are acting on behalf of XXXX which is now XXXX XXXX. We spoke with them and they told us that they are acting in an illegal matter. We have consulted with an attorney. They acted illegally by first filing a lawsuit in a county that we have never lived in. We went down to XXXX County to get the entire case file. They have never filed in our county that we lived in. No one has ever served us at all. This is n't about whether we owe a debt or not from 11 years ago. This is about their practices. We have also filed a complaint with the consumer agency in georgia. We have mailed a demand letter to XXXX County, demanding that they cancel this garnishment and our reasons why. We have faxed a copy of this letter to the Law firm/collections agency as well. We received notification that the fax succeeded. We also sent a letter to them as well. Lastly we have filed a complaint through the attorney generals office. We are also prepared to file a civil suit demanding that wages that have been garnished, be repaid, if it is n't stopped immediately. You can not go around illegally garnishing wages through illegal procedures. Our attorney says that we have a very good case and that they are in violation of the fdcpa as well on how they went about collecting this debt. If they want to contact me, they can. Not regarding collecting this debt though. This is regarding how they can avoid legal action period. My phone number is not for them to call me trying to collect this debt either.

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 2022-04-22
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2015-05-11
Company: NorthStar Technologies
State: TX
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:
I was sent by my company XXXX XXXX XXXX out of XXXX, Oklahoma to be fitted for prescription safety glasses. The exam, and glasses were to be paid by the company as they had an account with the provider. All employees were allowed XXXX pair a year. After about XXXX weeks the company shut down that yard, and I 'm assuming did n't pay the bill. They are now contacting me and placing derogatory remarks on 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 2016-12-18
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to US Bank over a year ago. My complaint is about what I believe to be tawdry efforts to cross-sell banking services by making it increasingly difficult to log in directly to the mortgage payment portion of their site. Presently, there is no way to get to the US Bank mortgage payment portion of the site. I am redirected to the US Bank consumer banking login, which does not recognize my login and encourages me to open an account or contact a customer service representative who then tries to get me to open an account. For the past several months, a series of redirects has prevented me from bookmarking the mortgage services page directly. The mortgage site is not listed in XXXX, suggesting the company has deliberately structured the mortgage service pages so that customers ( something of a misnomer in my opinion, since they bought my house and demand payment for the benefit of continuing to live here ) have to go through the banking page and, increasingly, must actively decline banking services with every use of this service.

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 2022-04-22
Company: Experian Information Solutions Inc.
State: FL
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:
hello dear agency referring to my report i took a taxi i forgot my wallet inside the taxi and someone stole it used all my card and my documents to open more accounts in my name and when i went to log in my XXXX XXXX  i saw all these accounts i called in stores they didn't cancel these fraudulent purchases that's why I'm here to report it to you can you help me please delete all these fraudulent accounts on my credit, thank you in advance

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
hello dear agency referring to my report i took a taxi i forgot my wallet inside the taxi and someone stole it used all my card and my documents to open more accounts in my name and when i went to log in my XXXX XXXX  i saw all these accounts i called in stores they didn't cancel these fraudulent purchases that's why I'm here to report it to you can you help me please delete all these fraudulent accounts on my credit, thank you in advance

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