BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 never established credit ever. I never applied for any credit my whole life. started to learn about credit 6 months ago. I made a XXXX XXXX and see someone has been using my identity years ago for credit cards. I didn't give anyone access to my personal information. Below are the accounts. 


1 ) XXXX XXXX XXXX- opened- XX/XX/XXXX ( 6 yrs, 4 mos ) amount {$0.00} 2 ) XXXX XXXX opened- XX/XX/XXXX ( 2 yrs, 5 mos ) amount {$280.00} 3 ) XXXX XXXX -opened- XX/XX/XXXX XXXX 7 mos ) amount {$550.00}

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 2016-11-22
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have no recollection of this collection.AD astra recovery. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: TMX Finance LLC
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:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As I check my equifax credit report I noticed something on my credit that I absolutely knew nothing about, a business called XXXX XXXX XXXX. I have no idea who this company is, I never spoke with anyone from this company and never had I heard of this company before, so for this to show up on my credit it 's fraud, someone had to use my information and I need something to be done cause I disagree with this. It says something about a personal loan which I will never try to get unless my credit is in good standards I want to build my credit not give a care in the world. Please help me clear this fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX an investigation with XXXX concluded with deletion of theaccount " account XXXX the results are : this item has been deleted from the credit file .... '' today the account is reappeared, see my XXXX XXXX report included here along with thesept XXXX letter from equifax. 
there was no five day notice or certifcation from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
For the last 3 years Equifax has reported that I only have XXXX accounts on my credit file. I have over XXXX accounts in good standing. I have called numerous times to get this corrected. And every time I called or send a letter. Equifax wants me to send them copies of my Id and a bill from my house. I have did this numerous times. A supervisor said my file was spilt, and Equifax error. This should have been corrected 3 years ago. Equifax is in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Since XXXX XXXX, 2014. I have tried to have several accounts that were placed in my name fraudulently removed from my Equifax Credit File. I have filed a Fraud Affidavit packet and sent it to them as well as a police report that was taken by an officer and my local police station and it is no use- they continue to report the fraud on my credit. I am growing very frustrated at this point because I feel like the only option I have is the file a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax, XXXX and XXXX have not changed my credit score in over 12 years. 
I have documentation to prove that my credit score remains the same and they never change it. 
I have had several items removed from my credit and they have never changed the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Currently we have a mortgage with a mortgage company called Seterus. We have already set up a login information for the electronic transfer of information. All our information is current and update including phone numbers. Apparently this bank made a change in our monthly mortgage payment in the month of XXXX, 2015 without notifying us about the change. We made our regular monthly mortgage payment for the month of XXXX according to our payment schedule being unaware of any changes in the amount. Finally only few weeks ago we got a XXXX letter about the change in the amount after this bank had already declared as delinquent and reported it to all the credit bureaus. Apparently they never applied our payment in full to our monthly payment and withheld the entire amount to be applied to our account. Once we found out about the change in payment we have caught up with all the changes and are current in our payments. But it is causing us hard ship on our credit rating as we are applying for a new mortgage loan. Therefore, we request your agency to take an action against this institution about harassing techniques and make unnecessary charges and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: ALLY FINANCIAL INC.
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a loan through Ally Financial. I recently went through the loss of a job so I had requested a deferment for 60 days. That was approved. I followed their instruction for the deferment and paid them {$320.00} on XXXX XXXX. I was to then wait for the paperwork and send it in as soon as I received it. I never received it - I called and they said they would send out again - again, never received it. I called them and they said that they would send it out again. Since there was another payment due in the meantime, I asked how that was going to be handled. They responded that there would be no additional charge and that I would receive my paperwork soon. It has been almost a month. I have called every day, I have got a different story and a different excuse every day regarding this deferment. I am extremely frustrated and I think they have been negligent by not being honest with me. I am concerned because my account says I owe and all I want to do is have this deferment be complete. I finally received paperwork - that was incorrect - they said that I should just sign that one and indicate on it that the amount was incorrect. I scanned it and sent it in ( not thinking it was a good idea to sign an incorrect document ), but who knew when I might get a replacement correct document. I just got off the phone with them now again and they said it is in progress, please wait 24-48 hours. I have been waiting over a month .... ARGH!

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 2015-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XX/XX/XXXX, XXXX filed a lien and issued a warrant against me for an outstanding XX/XX/XXXX tax bill. For several months in a row, from XXXX through XXXX, I had submitted payments to reduce the amount of that tax bill through the web site, via debit card, from my checking account. 
When I consulted the web site for XXXX to track the reduction of my bill and stay current with the balance, I SAW THAT THE BALANCE AMOUNT HAD NOT BEEN REDUCED, EVEN THOUGH I HAD MADE PAYMENTS IN A TOTAL OF OVER {$2700.00}. I called the office for the XXXX and discovered THAT THE PAYMENTS I HAD MADE, AS DEDUCTIONS FROM MY CHECKING ACCOUNT, HAD NOT BEEN CREDITED TO THE BALANCE OF TAXES OWED! MY BALANCE IN XXXX REMAINED THE SAME AS IN XXXX! MEANWHILE, THEY ISSUED A WARRANT AND A LIEN UNDER FALSE CIRCUMSTANCES AND HAVE ADVERSELY AFFECTED MY CREDIT SCORE. THANK YOU, XXXX. 

The situation has now been resolved. The current balance is {$0.00}, but the dent in my credit score remains.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We received a FINAL NOTICE from the City of XXXX that our property taxes were not paid for the tax year XXXX. We had no idea, as we pay through escrow with Carrington Mortgage company. Apparently Carrington did not pay our property taxes, and now the City of XXXX is planning on selling the lien to our house if these taxes are not paid. We have contacted Carrington multiple times. They have said that it was their fault and they should pay, then they said, they could n't get in touch with XXXX City. We are now a couple days away from the final pay date, and the bill has not been paid, and we are probably going to lose our home. We have NEVER, in 12 years even been late on a mortgage payment. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There were many inquiries on my account that were deleted and reinserted to my credit report without My knowledge. I 'm asking that these inquires be removed. To my knowledge that against the FCRA XXXX credit cards Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry 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 explanation
Consumer complaint received 2017-03-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received statement notices from a hospital that i received patient care from, with the attending Dr 's and Dr Assistant statement reading that I owed them. They already had my Medical insurance info on file, and corresponded with me to collect money for their services. Then they reported to a collection agency without filing the claim with my insurance first. I have been so overwhelmed by this type of derogatory medical mark on my credit information. I have been depressed over this issue for awhile, and did n't know that I was the one who was n't at fault for them inadvertently making the mistake. I contacted my insurance carrier, and was advised that the hospital was n't supposed to correspond with me first, let alone have it submitted to a collection agency, that sent multiple corresponding letters. After I told them that the hospital was at fault for coming after me before contacting my insurance carrier, and then sicking a credit agency on me. Is there anything that can be done to compensate me from the agony, stress and harassment that I received?

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 2016-08-20
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
BBVA Compass is not allowing me to close my account. They told me that they will close my account so long as there are no transactions within 30 days. They have taken out funds from my account when and have a note it is for some type of offset. After a week, I call back to check on my account because of this " offset withdrawal '' and there is no record of my calling about the account to be closed. I live in NJ, and there is no BBVA Compass in NJ or NY for me to handle this at a branch. Each time I call, I hear a new statement. Agents are not entering in notes. The bank keeps transferring funds between checking and savings account which leaves me with overdraft fees which they will not refund. I need to close this account as soon as possible because this bank is not capable of doing anything except stealing consumers finances. 

The last representative I spoke with is XXXX : Employee XXXX He did not allow me to speak with a supervisor. 

Now living in another state, I have to call a branch and investigate the debit memo myself. I do n't believe that is my job. If I am calling a bank to help me figure out something, they should have the courtesy to follow up with the branch and see why this happened. Instead of me explaining my story to multiple people when there are no notes being made in the account anyway. Overall I would like to prevent any of my money to go to BBVA Compass.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Southern Management Systems Inc.
State: LA
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:
XXXX claims that I ruined a couch they furnished to me. The couch in my apartment was perfect when I left it. They only sent a final notice letter to me to collect for it six months after I moved out of the unit. When I asked for pictures of the " ruined '' couch, they sent a picture of the underneath of one couch cushion that had a stain on it with a date marked on a dry erase board. They could not even prove it was the couch in my apartment. Even if it was, I did not cause the stain, and a small stain on the underneath of one couch cushion does not warrant a {$500.00} charge for a new couch. I tried to negotiate with them, saying I would pay for the couch if they gave it to me. They told me they no longer had the couch. They have no proof this couch was even the one in my apartment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the last XXXX yrs. XXXX mortgage company has been servicing my loan collecting payments and has always provided a monthly periodic statement. In XXXX I received a notice from XXXX dated XXXX stating the servicing of your mortgage loan will transfer from XXXX XXXX Bank, XXXX. ( XXXX ) to Carrington Mortgage Services, LLC effective XXXX. Your new servicer will:1 collect and process your payments 2 : Send account statements and Annual tax forms 3 : Notify you of account-related issues and updates. This transfer does n't affect any of the terms of your loan, other than the terms directly related to the servicing of your loan. So on XXXX Carrington started collecting my payments which I send through my banks bill pay processing center. Since then XXXX - XXXX XXXX payments later I have not received a monthly periodic statement of any kind showing Carrington received my payment or how my payment was applied balance Etc. According to ( XX/XX/XXXX TILA servicing Final Rule ). Creditors, assignees, and servicers must provide a periodic statement for each billing cycle containing, among other things, information on payments currently due and previously made, fees imposed, transaction activity, application of past payments, contact information for the servicer and housing counselors, and, where applicable, information regarding delinquencies. These statements must meet the timing, form, and content requirements required provided in the rule. When I called contacted Carrington about my monthly periodic statement inin XXXX they told me since my loan was recently transferred over I should start receiving them shortly. So on XXXX XXXX still have not received monthly periodic statement I called Carrington and spoke with XXXX REP-Supervisor XXXX and asked about my monthly periodic statements. She told me I need to send a request in writing to there research dept. for my back statements and a request in writing to another department to receive monthly periodic statements. I know under The TILA servicing Rules they are required to supply me with this information. But will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Vengroff Williams, Inc
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was involved in a car accident. My car was new so my insurance was on a binder until the new auto info was given. The police said i was not at fault. The insurance company, XXXX XXXX, went against the police and law, and said i was responsible. 
A collection agent, Vengroff Williams Inc., is now trying to collect money for XXXX XXXX, and the amount is over 7 times higher than the highest of the XXXX estimates. 
i have tried to talk to XXXX XXXX, and they are stone walling me and rude. I am not responsible, yet XXXX XXXX made it so. 
I simply want XXXX XXXX, to tell me how they made me liable, when the police and law say i am not. I was not cited, the other party was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: General Motors Financial Company, Inc.
State: UT
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
XXXX XXXX called me on XXXX/XXXX/2015 collecting for GM financial I explained to them the the account with GM financial was over the statue of limitations for collection XXXX XXXX explained to me to send them a validation letter and she would send the file back to GM Financial. I received the letter from the company on XXXX XXXX,2015 and sent a validation of account to XXXX in the meantime they inquired on my credit with all XXXX bureaus on XXXX XXXX,2015 after I spoke to them over the phone and put them on notice when I called them XXXX XXXX, 2015 to confront them they told me that GM financial gives them authorization to pull my credit. I did not authorize XXXX to pull my credit and GM financial account is null and void due to statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: High Point Asset Inc
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
High Point Asset called my employer and told them they are trying to contact me to collect a debit. My employer took the phone number for me to call them back ... this was very embarrassing. the number is XXXX. I called them back and they tell me the are collecting a debit for XXXX XXXX from a loan 4 years ago, this is the first I have heard of this company and do not remember taking a payday loan from this company. Why would a company wait 4 years to try and collect a debit if it was a legitimate debit. I believe this is a scam.I had my identity stolen last year and a false tax return was filed in my name. They sent me an email after I asked for proof of the loan but it does not prove anything, does not even include the original creditors address or phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Im want XXXX XXXX XXXX XXXX to be disputed and to be taken off my credit. I didnt leave a negative balance as shown in the bureaus in the year of 2008 and its just sitting on my credit causing it to be poor. It has been 7 long yrs now and i want it removed.Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted the Bankruptcy court asking their method of verification and they responded saying they do not verify or validate any information to the credit bureaus. The credit bureau refuses to remove the information although they specifically told me they verify personally. This is a direct violation of my consumer rights and I would like the false information removed immediately from my report.

Company response to consumer: Closed with explanation