BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-01
Company: Duncan Solutions, lnc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
During a review of my credit, PROFESS ACCT was listed and attempting to collect XXXX debts. I contacted the company, and the representative initially could not locate either debt. After several attempts, the debts were located but limited information was available. I contacted the XXXX using the limited information and was given further instructions. In any event, the first debt resulted in a case of mistaken identity ( Similar name, wrong person ). As for this debt, which is listed as a parking ticket, I have no record of receipt. Therefore, I am disputing this debt. I have contacted the XXXX and requested more information. However, I have not received anything to date. I have also sent PROFESS ACCT a letter disputing this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account is on my credit report is more than 10 years old and Experian refuses to delete. 

XXXX Address : XXXX XXXX XXXX XXXX, MN XXXX XXXX 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 2016-08-14
Company: Automated Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a collection account on my credit report that I have continuously disputed because it is completely inaccurate. I do not owe the amount reported, and the collection agencies can not provide any evidence to prove and/or verify the account. The account keeps being transferred from one agency to another, with no accountability, while severely damaging my credit ( and my ability to refinance my home ) and creating a financial hardship by reducing my income. 

In the last year, this account has changed from XXXX to XXXX to Automated Collections to the current holder, XXXX. I have sent letters by certified mail asking all of these agencies to verify this debt, and they have not. Automated Collection/XXXX is not only reporting this inaccurate account on all three of my credit reports, but they are also intercepting any federal payment to me. They have reduced my XXXX income and they also withheld my federal tax refund. As of Tuesday, XXXX XXXX, 2016, a staff member from Automated Collection, XXXX, stated that they have my case in dispute and they will respond in writing in a few weeks. This is unbelievable and completely unacceptable! I still have n't received a response to date. I retired from my job for health reasons and this is creating a serious financial hardship. This is not my account! 

Following my series of disputes to the credit bureaus, I finally received a letter from XXXX XXXX last XXXX stating that they could not verify the account ( please see attached ), and would return the account back to the original creditor and delete it from my credit files. To date, it is still on my report, which is the account transferred to and now reported by XXXX. The credit bureaus keep sending me responses that this account has been verified, although neither XXXX XXXX nor XXXX ( or any of the other collection agencies ) can verify it, and despite my sending them a copy of the attached letter confirming this fact. 

During the first week of XXXX, I contacted both Automated Collection Inc. and XXXX again, and received the usual runaround. On the morning of XXXX XXXX, XXXX, an XXXX staff member, informed me that XXXX sent an email on my behalf to Automated Collection Services on XXXX XXXX, 2016, asking them to release the intercepted Federal payments, including our income tax refund, and said they are waiting for a response from Automated Collection Services. I never receive any responses or updates, while my credit continues to suffer and my income continues to be unjustly taken from me! I urgently request your help and assistance, as I have written several letters and made several calls, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: Selene Finance LP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been informed that our home mortgage have not been properly handled during the modification back in XX/XX/XXXX. My wife lost her job in XX/XX/XXXX due to being laid off. Once we discovered she lost her job we immediately call XXXX XXXX XXXX about our income change. That 's when we decided to go through the modification process. We never stopped making our payments. We did not have the income to pay the full amount so we paid half the mortgage payment to keep some form of payment documented. XXXX XXXX XXXX said the amount of the money we were paying would be added to the end of our loan once the modification was complete. The estimated amount of money that we paid toward our loan during the modification process was est. {$13000.00}. XXXX XXXX XXXX dragged this modification alone for over 2 years or more. We have been thinking about selling this home and buying a new XXXX but discovered a few months ago that we are upside down on our mortgage. Everything we have ever paid on our loan was not applied to our loan. When we finally received our final notice of the amount of mortgage payment change the cost of the loan had went back to est. {$140000.00} it was like we never paid anything into our loan after being in the home since XX/XX/XXXX. The loan amount went back up over the amount we paid for the home. We knew this could not be right. Our loan has been now been sold to Selene Finance, who do n't even hold our note, they only collect. When we started questioning our loan a few months ago, Selene reported to us that we may need to investigate our loan because we have been ripped off. We have lived in this home for 10 years now, it do n't even look like we paid anything toward our mortgage. We ca n't afford an attorney, so we are in need of some help on how to move forward with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
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: Information is missing that should be on the report

Complaint:
Equifax has purposely tried to destroy my credit worthiness by not adding positive accounts on my credit profile. They are constantly violating FCRA guidelines and when I address them about their violations they replied by saying they don't care about FCRA and They will continue to violate the FCRA. 

I have positive accounts from other credit reporting agency but those were not posted on Equifax 's credit profile that I have attached. 

Equifax is displaying biased and unfair practices towards me. Furthermore I never agreed to a contract with them to Share my personal and private information with anyone. That is violation alone by its self. I have attached the violations and exhibits below to validate my complaint. 

EXHIBIT A- VIOLATION 15 USC 1681 ( 1 ) ( 2 ) EXHIBIT B- VIOLATION 15USC 1681 EXHIBIT C- VIOLATION 15USC 1681 ( a ) ( 1 ) EXHIBIT D- VIOLATION 15 USC 1681 ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Despite having Federal Flood Insurance Specialized Loan Servicing placed forced flood insurance on our house. Since there was a change in the amount of the payment they cancelled our automatic electronic payments. After submitting proof of coverage they removed the forced flood so I asked to have Automatic payments applied again. SLS indicated that it would take more than a month for the electronic payments to be reestablished I made the next month 's payment early, recieved a confermation number and verbal ( recorded ) confirmation that is was completed. SLS mishandled the payment, withdrew the incorrect amount of money and applied the money as principal rather than making the monthly payment as agreed. SLS then claimed the monthly payment was not made, made a report to credit reporting agencies and charged late fees. SLS then failed to honor the electronic payment request for the following month. SLS made false statements regarding the situation to myself and made threatening statements to my wife when she called to inquire about the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Pinnacle Credit Services, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Pinnacle Credit Services is refusing to verify the account. I was sent that the dispute was " Frivolous '' and they do not have to respond to the credit dispute that was sent. Upon calling the company another company named XXXX has the account. Pinnacle reports to the Bureau and diversified handles the account. 
I tried to do a " Pay for Delete '' offer and XXXX will not address the offer by saying they just show the account " paid '' and do not report to the agencies. Pinnacle does the reporting to the Credit Bureau. 
I tried calling Pinnacle Back and they keep transferring me to XXXX by saying they only have the creditor name and my name for the account. 
XXXX is not verifying or addressing my debt and will not let me remove this debt from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Guild Mortgage Company LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I owned a home and sold it and closed on the loan on XXXX XXXX. XX/XX/2014 I had a loan modification and received money form HUD that was due to be paid back at the time of the sale. When the loan was refinanced, I was told this was rolled in to the original mortgage rather than being paid as a XXXX mortgage. When the title company showed the second mortgage, the escrow company called and asked was it to be paid out separately, and was told by the mortgage company it was rolled in at the time of the refinance and was reflected in the higher mortgage payment and interest rate. Just 4 days before closing on XXXX XXXX I was told was this was not true by Guild Mortgage and that the XXXX and XXXX mortgage had to be paid off. I asked for confirmation and was not given sufficient documentation that the loan was not rolled in. Nor why my mortgage and interest rate was significantly raised at the time or refinance. from 3/25 % to 4.75 % XX/XX/2014. I would have asked for a different selling price had I been made aware that the HUD loan was to be paid separately IN Addition to the mortgage as a subordinate deed of trust.. I believe the mortgage company did roll the HUD loan, but had no supporting documentation or paper trail. This costs me over XXXX in profit and no one would help me and they said it was a communication error. I also did not have the information or the opportunity to resolve it during closing as the buyer had to close on XXXX XXXX and threatened legal action while Guild insisted that there was no evidence that the new amount reflected the inclusion of the XXXX HUD loan. I do n't see how someone at the mortgage company could tell me the seller and the escrow officer the same thing and then change at the last minute especially as it showed up on the Title as a separate line item ( # XXXX ) and I and the escrow officer specifically asked about it. The closing and settlement process was a nightmare and not characteristic of my genuine good experience with this mortgage company. They have failed to respond to my requests for additional information or the request to explain the difference in the stated amount for loan and principal plus interest to be {$1400.00} among and the discrepancy with what I was paying. I certainly would have had to sell my house if the payments were truly not loan and not what my regular loan statement indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Problem-Garnishment of Funds by Blatt, Hasemiller, LeibskerXXXX & Moore LLC for a XXXX account that had been settled. 

The law firm of Blatt, Hasemiller, Leibsker & Moore LLC. BHLM garnished my income tax returns for an account that had been previously settled. I had already submitted the paperwork to them a few years back. After coming across that old documentation again, I re-submitted it to the law firm on today XX/XX/XXXX. On XX/XX/XXXX I received a letter in the mail stating that the firm did an investigation and can find no evidence that this account was ever settled or paid in full. I also was sent a copy of a Request and Writ For Garnishment ( Income Tax Refund/ Credit XXXX dated XX/XX/XXXX I never received. I do have a copy of the Request and Writ For Garnishment ( Income Tax Refund/ Credit ) that I had received and do n't understand why there are now two.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Stellar Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Stellar Recovery Inc listed a collection account on my credit reports which I have no knowledge of. I have no clue who this company is or what account they have listed on my credit reports. I have received no correspondence from this company regarding any account. They have fraudulently accessed my credit report, and I am disputing this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: ALLY FINANCIAL INC.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid off my car in around XXXX XXXX with Ally Financial they stated that I still owed them about {$2000.00} in late fees which I tried to disclaim. I gave up that fight and agreed to paid the late fees on a term of a {$100.00} a month. They stated that they agreed but that I could only pay them by check so I did. XX/XX/XXXX I had a balance of {$400.00} I wrote a check for {$100.00} however the Ally Bank withdrew the whole amount of {$400.00}. I called on numerous occasions but no one would help me resolve this issues. I l later got my title and lean release in the mail. Now I still get daily calls 2 - 5 times a day asking me to pay off the balance that I still owe them {$300.00}. I have informed them over and over again of the previous information and still they have refused to hear me and continue to call and mail me letters. I do n't know what else to do as I refuse to give them another dine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Incorrect information on late payment by XXXX was not corrected by Transunion as requested by XXXX. XXXX requested that each of the consumer reporting agencies to : " Delete the delinquencies from my credit report '' XXXX did as requested but XXXX and Transunion have not. This is my second complaint on this subject.

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 2016-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My student loans have always been in Deferment and Forbearance due to my situation at the time. Anytime I took on the deferment or forbearance the creditor re-aged the account and back dated the deferment or forbearance however on my credit report there is some inconsistency. XXXX XXXX XXXX shows I have missed XXXX payments open in XXXX 2007 on XXXX account and XXXX payments on the additional account opened XXXX 2007. The information is reported incorrectly.

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 2016-02-15
Company: ALLY FINANCIAL INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Ally Auto has billed me on numerous occasions for summons I have not received. When asked for a copy of the summons they claim they do n't have access and give you a summons number to look up on the DMV website. When you log into the website the number does not appear in their records. I have called the DMV several times and the summons number provided by Ally is never on file. They bill me for a summons they claim I received and add additional fees but can not provide documentation of the summons.

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 2016-07-03
Company: Clarity Services
State: AL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The complaint actually involves ( Unauthorized Inquiries ) by Clarity Services , Inc. Inserted below is the email sent to Clarity Services asking for an explanation about the Unauthorized inquiries into my credit history. 

" Saturday, XXXX XXXX, XXXX To whom it may concern : This morning while reviewing my Annual Credit reports XXXX inquires from Clarity Services , Inc. was identified in my XXXX file. Please see the attached page extracted from my credit report. 

I would like to know what company requested the report ( s ). 

I have not requested or submitted a request for credit for neither of the dates noted ( XXXX XXXX and XXXX XXXX ). There should not have been any inquires from any organization. 

In addition, the information in the XXXX file that you provided is incorrect. Thus the purpose of reviewing my reports. 

These inquiries are determined to be " Hard inquires '' and does impact my credit rating. 

Thank You, ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion shows that I owe XXXX XXXX {$2600.00} but this account has been paid in full since XXXX/XXXX/2015

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 2016-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
CFPB Complaint XX/XX/XXXX CFPB Complaint Transunion and a request for a consumer statement be added to a specific account. And/or deletion of the account if it was not the account as listed by the evidence provided by consumer. 

On XX/XX/XXXX I requested a consumer statement be added to the only XXXX Card reporting on my credit report. I fax this request to Transunion on XX/XX/XXXX through ring central. I provided a copy of fax verification. As of printing of my credit report on XX/XX/XXXX it showed no investigation and no change for this account. 
I have requested other consumer statements and always received a quick response. 

Consumer Statement is as follows " XXXX XXXX XXXX XXXX an agent of XXXX XXXX agreed to terminate collecting on this account on XX/XX/XXXX. XXXX XXXX was included in CFPB Complaint XXXX that resulted in XXXX terminating collection efforts. On XX/XX/XXXX XXXX sold the account to XXXX XXXX XXXX XXXX '' I provided a copy of the CFPB complaint # XXXX and related case XXXX that XXXX XXXX XXXX agreed to cease all collection XXXX XXXX, XXXX and a letter from XXXX XXXX that sated the sold the account to XXXX XXXX. On XX/XX/XXXX. 

I further requested that if the information reporting by XXXX XXXX XXXX did not match the account and evidence that was provided. Including a sign letter from XXXX XXXX XXXX, that the account be deleted. No changed resulted in my request not even the consumer statement being added to the account. 
I only have XXXX XXXX XXXX Card. Does the furnisher name not match is that why my consumer statement did not get added? 
This time I am including the first statement for this XXXX XXXX Card, again I only have XXXX account. I do not have any other accounts with XXXX XXXX XXXX. 

Could I please get the consumer statement added to my XXXX XXXX XXXX, I only have XXXX account. 

Thank You I have attached the original fax request XX/XX/XXXX A copy of the page showing XXXX XXXX XXXX reporting on Transunion report file number XXXX report date XX/XX/XXXX No investigation comments have been added to this furnishers ' reporting. 
A copy of XXXX XXXX XXXX first statement for the only account I have under a XXXX XXXX name. 
A copy of letter from XXXX XXXX XXXX, dated XX/XX/XXXX XXXX referencing a XXXX XXXX XXXX as the Creditor and the account ending in 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 2017-03-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Spoke with Navient collection agency today again asking to lower payments. They asked to speak to my co signer who is approaching XXXX and is in XXXX at the moment. I proceed to make a long distance call only to have the representative ask my cosigner a bunch of questions that flustered her and caused her stress. I 'm willing to pay a lower payment without the help of my elderly co-signer who survives only on her SS income. She uses this money for her own expenses such as paying for medicine XXXX and XXXX pills also XXXX medication, medical and life insurance. Navient rep, then proceeded to hang up the phone on me refusing to help me further. I also asked to have my cosigner released but no assistance with that. I 'm truly disgusted at this point.

Company response to consumer: Closed with explanation