BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
Company: Experian Information Solutions Inc.
State: IL
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:
I had contacted them about deleting  XXXX   XXXX  with documents from the settlement of the Class Action lawsuit I had been a member of and after several attempts of submitting these documents, the  XXXX   XXXX  is NOT deleted from my report.

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 2017-05-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bayview Loan Servicing , LLC ATTN : Customer Service Department  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX  , FL  XXXX  They consistently misapply or do not apply payments. We pay more than what is due and they put the extra in unapplied funds. We are years ahead on our mortgage and they send statements saying we owe  two or three  months. I have called and was told it is not a problem as the website has the correct amount.   Today I called and their automated system asked me to pay as I owed for  XXXX  which was already paid and applied. I had received a statement showing they got the payment and now today another statement showing they got the payment and I owe two months. Last week I got a statement that I owed three months and  XXXX  's money was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: MS
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 credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a dispute on   X/X/2017     and never received an update. It 's well over the 30 days they have to respond.The status still shows pending. The confirmation number for the dispute is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Account Resolution Corporation
State: MD
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 have tried in  XXXX  and most recently  XXXX   XXXX  to resolve this matter that has violated the HIPPA laws and shared my medical information with a collection agency 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In  XXXX    XXXX  , I submitted a dispute with the  XXXX  credit reporting agenices that the information Carrington Mortgage is providing them regarding my account is inaccurate.  XXXX  of the  XXXX  reporting agencies investigated my request and  Carrington  Mortgage repsonded to their investigation claiming the information they submitted was accurate.     On  XXXX   XXXX , I sent a letter certified mail with a return receipt to    XXXX     XXXX   XXXX  requesting them to provide me account information on a foreclosed property that they serviced a loan on. I informed them I was directly disputing the information as I did not think the dates of last payment and the dates of foreclosure were accurate. As per the RESPA, I requested them to acknwlegde my request within 5 days and to provide me a response within 30 days. Additionally, during this time, per RESPA  Carrington  Mortgage should not be reporting any information regarding late payments to the credit reporting agencies. On  XXXX   XXXX ,   XXXX  , Carringtion Mortgage recieved my letter. On  XXXX   XXXX  I received a letter from Carrington Mortgage Services dated  XXXX   XXXX , stating that they would not process my request for them to provide my account information becuase the letter that I submitted was not signed. The letter I submitted t o Carrington  was initialed by me. On  XXXX   XXXX ,   XXXX  , I faxed over a signed copy of the letter, and I also sent another letter via certified mail return receipt that was recieved b y Carrington  on  XXXX   XXXX .  Carrington Mo rtgage did not respond to my account inquiry, however on  XXXX   XXXX , I was notified by Experian, a credit reporting agency tha t Carrington  Mortgage responded to their investigation and advised them the information they were reporting was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: PROFICIO FINANCIAL SERVICES, LLC
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX XXXX in XXXX reposed a vehicle from me. The loan was through XXXX XXXX. XXXX XXXX sold the automobile after repossession from their car lot instead of auctioning it. XXXX XXXX then sent me to collections saying I owed them {$5000.00} and Proficio Financial in XXXX XXXX Washington reported the debt on my XXXX report as owing over {$14000.00}. After receiving notice of my complaint, Proficio reported to the Washington State attorney general that they had made an " input '' error. I disputed the debt with Proficio and they have mailed me nothing to show the debt is valid. XXXX XXXX is acting like hteye are a lender not a car dealer and this is harassment from them. They also illegally repossessed the car in the first month I owned it because they " forgot to take it of the repo list '' At that time I was current on my contract.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I have a checking account with " XXXX ''. Also I have a really small business with XXXX ( fictions name XXXX Professional Services ). Customer gave me a check for services I provided to him and I posted it to my checking account. Check cleared and everything was fine until Monday XXXX/XXXX/XX/XX/2015. Chase reversed deposit saying I can not post checks with business name on it. 

Is there any limits of using " checking account ''?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-16
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In 2011 I applied to refinance my mortgage loan with JPM Chase. At the time the HARP program was already available. However, JPM said that such loan would be more expensive to me. 
Reviewing the program with other institutions, I 'm being told that in fact the HARP program would 've been more beneficial to me, i.e. less expensive I would like to know why JPM did n't qualify my loan under the HARP program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase is marking late for payment that are not late. They are cash payments made in a local branch. They are charging me erroneous fees that I never agreed or discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have asked the collection company for verification of debt multiple times. I have asked for signed documentation by me, XXXX XXXX, that the debt is in fact mine. The collection company has refused to send me any documentation showing that the debt is in fact mine. The collection company has refused to speak with me because they believe I have an attorney. I have spoke with my bankruptcy attorney to get documentation for the bankruptcy and the listing of PFC on the bankruptcy and that is the only contact I have had with an attorney. I was making monthly payments on the account until I realized I am already paying the debt with another collection company. I believe that the debt is not my debt and can not prove that it is or is not because PFC refuses to give me any documentation that the debt is in fact my debt. I would like a statement of account, and admission agreement or authorization of service on my account, proving that the account is in fact my 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 2021-12-23
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:
I already sent few rounds of complaint to your company but you still posting this negative information on my name. Its not mine! Im sure that someone used my personal information.

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 2017-02-19
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Collection Bureau of America Ltd.
State: OH
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:
Collection Bureau of America , Ltd. ( CBA ) is attempting to collect a debt on behalf of XXXX. In XXXX XXXX they sent a collection notice. The notice stated that I owed for water bottle delivery. I called them right after receiving the notice to dispute. Information was faxed as requested. Furthermore, I contacted XXXX directly. They picked up the cooler and was told that the account was going to be credited out. Fast forward 8 months later, Collection Bureau of America never advised of the dispute paperwork sent neither did XXXX. I get an alert from XXXX there is a negative trade line reported to my credit. I called them XXXX/XXXX/XXXX and they told me that they were collecting this debt still. 

When contacting them, they told me they mailed me a notice in XXXX XXXX. A dispute was faxed and discussed with their agent. No followup from them after this dispute was sent ever occurred. 

This is not a fair and in my eyes an illegal way of handling this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: Servis One, Inc., Titusville, PA Branch
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BSI financial does n't send me a monthly statement each month nor can I pull from my online account. In addition, it appears each monthly payment is not applied in the month in which is was paid. The account shows paid, however, the business office is a month to two months behind in posting the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: ECMC GROUP, INC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
hello, please send me a copy of the signed rehabilitation agreement. thank you.

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 2015-04-08
Company: Nationwide Arbitration Services LLC
State: CA
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:
Received a phone call stating some lawyers had bought my debt and those lawyers were suing me, garnishing my wages, suspending my driver 's license, and taking possession of all my property. 

They also contacted my Mom before me. They stated I could resolve this by getting {$3500.00} to them immediately. Luckily, I could n't find anyone with that money. I called back stating that I do not have that money. They did call back stating they have found a way to help, but I have n't called back yet. 

I did contact the original company where I took out the loan to work out a payment plan. 

I would like to know how they got all of my information ... including my Mom 's phone number.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-08
Company: Innovate Managed Holdings, LLC
State: MS
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: Investigation took more than 30 days

Complaint:
I went into a loan agreement with   XXXX   XXXX   XXXX   XXXX   on  XX/XX/XXXX  was paying according to the loan. However the loan was sold without my knowledge, to Innovate Auto Finance in  XXXX  with my knowledge no information was mailed or phone call I continued to pay. The new loan company cut my vehicle off through GPS tracker that led me to believe there was a mechanical problem with the vehicle so I fell behind in payments. While my car was in the shop my car was repoed by the new company. I called them for the amount owed his exact words were my balance was  XXXX  and it was for an entire year until I disputed it off my credit file. They never mailed me any information of what the car sold for, my balance owed, or any information regarding the vehicle I made several attempts by calling, mailing letters with no response They told me I owe nothing. When I disputed the loan amount went from   XXXX   to  XXXX . I disputed it again they decrease it to  XXXX  dollars

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: ALLY FINANCIAL INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Was informed in XXXX that my account was listed as past due and delinquent by all three credit agencies such as XXXX, XXXX and XXXX. I Started disputes with all three companies and a month later my payment balance was updated to 0 but still showed as a negative impact on my credit report and showed delinquent/charge off status. I then submitted proof of car being paid off in XXXX to all three credit agencies and there has still been no update to report. Under research, I found out an account could only be listed as delinquent if it is more than 120 days past due. This account has never been past due and proof was provided of the payments being distributed to the account to show great payment history and no months of payment being missed. I have been reaching out to Ally directly for months to not be able to get a department that could directly assist me or even provide any relief. This has caused my credit score to drop tremendously and show a negative impact. I have worked extremely hard to make sure my credit has stayed in good conditions.

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 2022-10-15
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: 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. 

Account name : Account number XXXX Open/closed Closed Date opened XX/XX/2022 Account type Cell Phone 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
a person by the name of XXXX XXXX and XXXX called my mothers phone number saying that I owed a dept and that I had to call them at following number XXXX I do n't know which company this is and how they got my mother phone number..

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 2017-05-08
Company: Credit International Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  X/XX/2017    I cent via certified mail a letter stating that I was disputing the debt that Credit International Corporation claimed that I owed. They received my letter on   XXXX   and signed for it. I have proof of delivery and signature in my possession. After they received my request to dispute the dept they made absolutely no attempt to verify the debt and they also failed to report to the credit reporting agencies that this item was being disputed within the  XXXX  day window. I received a new credit report on the  XXXX  day and it showed no reporting of the mentioned debt/account being disputed by consumer.     As per FC RA 623 ( a ) ( 3 ) - responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]   They have violated federal law and I have evidence of such, via certified mail receipts. They must removed the inaccurate information from my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: AZ
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
{$660.00} -  XXXX / XXXX / 2015  {$210.00} =  XXXX / XXXX / 2015   Wells Fargo " s et-off '' amounts for student loan payment although I 'd been in contact with them regarding my financial hardship (  XXXX  and unemployed ) at the time. Meanwhile, I was still responsible for managing my  XXXX  mother 's finances. Someone repayed my mother on a personal loan, I deposited the money into my account and then transferred it into her account.  Wells Fargo the n saw the transaction for deposit and set off both accounts, interfering with transactions with her Social Security  XXXX  payment. While I tried countless times to resolve the issue , Wells Fargo says that they had the right to set off both accounts, although my mother was not a cosign er on the loan.

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 2016-03-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our Chapter XXXX closed XX/XX/XXXX. Shellpoint did have our records correctly reported. All of a sudden XX/XX/XXXX we can not access our home loan records on line ( or through their regular Customer Service ) because we are now back in Bankruptcy according to Shellpoint 's records. Our file has been sent to their Bankruptcy department. We can not get a statement. We can not access our loan online. And most importantly we can not get a response from the Bankruptcy department. We have made several calls to Shellpoint 's customer service and then been transferred to the Bankruptcy department. There are no live people to talk to. You must leave a message and someone is supposed to contact you within 24 business hours. We have an email and a phone but no one 'gets back to us '.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation