BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am doing this complaint against my current servicer, Rushmore Loan Management and the previous servicer, XXXX XXXX Mortgage regarding the inaccurate information reported on my credit reports regarding my payment history. I have attempted to resolve this with XXXX XXXX Mortgage for many years with no resolve as they have always told me I was 30 days behind but they could never produce when I actually became behind stating that their records only went back to XXXX. My payment is due on the XXXX of the month and I always pay at the end of the month. Then when my loan was transferred to Rushmore Loan Management, on XX/XX/XXXX, they are now stating that I was 30 days late in XXXX, XXXX due to the fact that XXXX transferred it to them 30 days behind, they couldnt report any derogatories because of the 60 day transfer rule and now I was late again. This is totally wrong and confusing. I am in the middle of trying to refinance my loan for a lower and fixed rate loan. My credit report is showing that I had a 30 day late in XXXX, XXXX and now a 30 day late in XXXX of this year. 

This is not true. I have attached my XXXX XXXX receipts and proof of payments from XXXX, XXXX through XXXX, XXXX. I need this information corrected immediately as it is a violation of my rights to not be able to get accurate information from my servicer all these years and that I have made payments every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw 3 medical bills from ASSETCARELLC/CAPIOPART for XXXX XXXX XXXX totaling $XXXX. I did not receive any notification for any debt for medical services as an indigent individual. I was XXXX  with no physical address to receive any forwarded mail. I also let the hospital know I was an XXXX XXXX  and did not have any insurance or money. This reporting is against my HIPAA rights a Is did not sign any medical releases before my information was compromised and accessed by ASSETCARELLC/CAPIOPART.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29
Company: Alorica Inc.
State: FL
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:
Upon review of my credit report I discovered West Asset Management, XXXX XXXX Account # XXXX ). This is a paid collection account. I work on the pipeline so I am away for months at a time. XXXX is no where on my credit file and then one day I check my credit and a Collection account is reporting. I NEVER received any notice of this debt. I am requesting for this account to be removed from all credit agencies. I paid this debt as soon as I was made aware of such debt. I was NOT given any notice. I am requesting if there was such notice given all documentation to be provided. 

Without such, I will consider this matter satisfied by fully deleting the account. 

I really appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called XXXX, equifax , and XXXX to make sure my fraud alert was put on my file, XXXX and Equifax are the XXXX that are giving me the run around and said it was and I asked them about all the inquiries that I had no knowledge of and asked them why they took them off then put them back on again. I was told I had to contact the creditors directly and discuss it with them but all this was taken off and put back on she said by mistake. How is that a mistake?? I have a copy of the police report sent out to all three credit bureaus. XXXX was able to take them off the same day over the phone but I feel like the other XXXX just do n't want to do their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had been working with XXXX on a loan modification. Somewhere around XXXX - XXXX of XXXX, the loan servicer changed to LoanCare. In XX/XX/XXXX I made the three trial mortgage payments as requested ALTHOUGH I did not agree with the monthly payment amount they came up with -- there was not even a {$100.00} difference between the amount I had been paying and the new amount. I am wondering how that is supposed to help me, but I made the payments just the same in good faith. 
I requested that LoanCare lower the mortgage payment ... I even requested a particular underwriter who would be willing to work to lower the payment by tacking on the difference via a " silent second '' mortgage payment. I did not get this as requested, instead I was told to " lower my hazard insurance, '' and that I " live in an expensive area ; that's why the mortgage is so high -- it's because of the taxes. '' As you can see by the attached letter sent under XX/XX/XXXX email, you can see that somehow LoanCare did not even apply the three months ' payment I sent them -- they were disregarded, the home was put in jeopardy. This is unacceptable. I am willing to pay the mortgage ; I am looking for a more favorable monthly payment. 
In a XX/XX/XXXX email, I was able to send the final piece of information that the company sought -- a Profit & Loss Form. At that point, I was hoping to receive a lower monthly mortgage payment. 
Following up on XX/XX/XXXX, I learned that the house is in foreclosure and the matter has been referred to attorneys!!

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 2021-11-17
Company: Experian Information Solutions Inc.
State: TX
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:
Experian is reporting the following 5 fraudulent accounts that are result of identity theft : XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$10000.00} )XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1600.00} ), XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$900.00} ), XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$100.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance : {$14000.00} ). To this day Experian have not respond to my disputes. Attached are the last 2 disputes I sent them about this fraudulent 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 non-monetary relief
Consumer complaint received 2015-10-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
While viewing my EQUIFAX credit report, I noticed an unauthorized and fraudulent credit inquiry was conducted by XXXX on XXXX/XXXX/2015. I did not authorize anyone employed by this company to initiate an credit inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681 b ( c ) .XXXX were not legally entitled to unilaterally review my credit report without my written consent, thus, this was a fraudulent inquiry and a serious breach of my Privacy Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: IL
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 XXXX 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 XXXX 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 n 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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I hope you can help me. There is an account that continues to report in my credit file that actually belongs to my father. I don't know if its the bureaus not doing their job or this collection company that continues to report the incorrect information but it still appears on my file after disputing it several times. The company 's name is Advanced Collection Bureau Inc. account number the bureaus are reporting  XXXX and the company name where it originated was XXXX XXXX XXXX XXXX. I contacted them personally and they verified it did not belong to me and doesn't understand why the collection company would report this. Which also makes me question if the bureau actually researched the item.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX is continuously re-aging the accounts on my credit report and Equifax continues to report credit account. per FCRA XXXX is in serious violation of repeatedly adding the account to my file. They are trying to ruin my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is information total incorrect, some one stole my identity. I never receive this services. 
Agency Open XXXX BalanceXXXX XXXX {$5500.00} account reported on XX/XX/XXXX Account # XXXX $ XXXXCurrent BalanceXXXX XXXX XXXX ER SVCS OF XXXXOriginal Creditor {$550.00}, Original Balance, XXXX XXXX, XXXXDate OpenedXXXX XXXX, XXXXReport Date, See something wrong, XXXX XXXX XXXX {$2700.00} account reported on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
To whom it may concern : On XX/XX/2020 my account was overdrawn {$280.00}. 
On XX/XX/2020, I received my Stimulus Check for {$3400.00}. The day after on XX/XX/2020. I recieved another deposit from Wells Fargo Bank, stating that they were giving me a credit of {$280.00}. To cover the negative balance in my account. To allow my Stimulus Check to be processed. 
However, I didn't not need or ask to receive this credit, Because once my Stimulus Check cleared it would have covered the negative balance in my account. 

Now two months later on XX/XX/2020, I receive an email from Wells Fargo, stating that on XX/XX/XXXX, they are going to reverse the credit of {$280.00} on my account because it was only meant to be a temporary credit. Which will now put my account back in the negative, and in addition I will receive a {$35.00} overdraft fee. 
As a customer, I believe that this is completely frustrating. This decision that Wells Fargo is making does not show me that my financial institution is setting me up for financial success. It shows me that they want to keep their customers who are struggling to make it day to day during Covid-19 in financial ruin. 

If someone please advise me on what to do that would be greatly appreciated. Thank you. 

Sincerely, 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 2016-04-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I am wanting to submit a arbitration claim against Equifax for FCRA and Maryland state deceptive trade practices violations. Their arbitration clause states as follows : " Binding Arbitration. Either You or Equifax may, without the other 's consent, elect mandatory, binding arbitration of any Claim ( as defined below ) raised by either You or Equifax against the other. As used in this arbitration provision, the term " Claim '' or " Claims '' means any claim, dispute, or controversy between You and Us regarding any aspect of Your relationship with Equifax , including but not limited to any Claim arising from these Terms of Use or arising from Your use of the Products or this Site or any information You receive from Us, whether based on contract, statute, common law, regulation, ordinance, tort, or any other legal or equitable theory regardless of what remedy is sought '' Their clause also states : ". The party filing a Claim in arbitration must select either the XXXX ( " XXXX '' ) or the XXXX XXXX XXXX ( " XXXX '' ) to administer the arbitration. " As I am sure you are aware, NAF does not perform consumer arbitration any longer due to an out-of-court settlement they have with the Minnesota Attorney General. XXXX refuses to administer any arbitration proceedings with Equifax due to Equifax 's arbitration agreement not meeting XXXX stringent consumer protocols. This is creating quite the Catch-22 for consumers. Equifax does not want consumer initiating class-action lawsuits against them, yet a consumer is unable to initiate an arbitration claim against Equifax due to the XXXX forums listed in their clause not accepting any cases with Equifax. What is a consumer to do? 

A consumer could initiate an action in federal court to compel Equifax to arbitrate, but until Equifax updates their clause to meet XXXX 's consumer protocols, the consumer is pretty much in limbo. I am requesting your agency look into this illegal clause as I feel it violates not only the Federal Arbitration Act ( FAA ), but also Maryland 's deceptive trade practoces act. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I had an Equifax Platinum Monitoring membership for almost 2 years. Last month I tried to upgrade my monitoring product to another one which provided me a XXXX score. I tried a number of times and always received an error message. Following that situation, I called Equifax Customer Service and have been calling them for over 10 days. I have lasted more than 1 hour on each call with representatives that are n't capable of helping me figure out what is wrong with my profile and I now have no access whatsoever to my own credit profile from Equifax. My credit card was ran more than 9 times because the representatives were trying to experiment with different products and none work. I also tried going thru XXXX and the only report that I ca n't access is the Equifax XXXX. I was told to check if there was a hold, freeze, or a fraud alert and this is n't the case. I 've been t old a number of times that there is nothing that should impede any other company or myself from obtaining my credit report yet Equifax themselves ca n't process my order for a credit product which they provide. I have proof that I have had several credit transactions and voids and yet after 2.5 weeks I still ca n't get access to my report. I do n't understand how a company not have answers as to why I ca n't obtain a product that they service.. Plus I am growing worried as to why I ca n't access my information online.

Company response to consumer: Closed
Consumer complaint received 2020-06-09
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX of 2020, I received a call from a number identifying themselves as a representative of MRS BPO , LLC asking for my social security number. I was uncomfortable providing my personal information to a number and company I didn't recognize and asked for mail correspondence to confirm their existence. I received that letter on XX/XX/2020 indicating that I had owed XXXX ( account XXXX ) nearly {$150.00} for an unidentified service. I contacted XXXX to understand what the charge was for. I called multiple times and went to two of their local stores, each time being told that I did not have an account with XXXX. I filed a dispute letter with MRS BPO sent XX/XX/2020 and received by certified mail on XX/XX/2020 explaining that I had no services through XXXX except for my parents ' phone plan, but that my parents covered that bill and it would not be charged to me. 

I did not receive a response within 30 days nor have I received any response thereafter, and I allowed MRS BPO an additional month due to delays that may have occurred during the pandemic before filing a dispute with the 3 credit reporting agencies on XX/XX/2020. I learned following the filing of the dispute letter that this debt collection action was reported to the credit reporting agencies. I am awaiting a response from those credit agencies within the next few weeks. 

However, I received a letter on XX/XX/2020 from a group identifying themselves as XXXX XXXX trying to collect the same debt. I am initially concerned that MRS BPO is trying to skirt the protections of the Fair Debt Collection Practices Act by assigning the debt to a new company after receiving my dispute letter, which put MRS BPO on notice that it could not make attempts to collect on the debt. I guess I now will have to dispute the debt with XXXX, taking additional time and money. 

I still have not received any information that I owe XXXX any money, and they have confirmed to me by phone and in person that I do not have an account with them. I have not received any services from XXXX outside of my parents ' phone plan. Now, I am dealing with 2 debt collection agencies without having been apprised of the grounds for the debt collection action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
EQUIFAX has technical issues regarding a credit freeze, that I want removed.On last Friday,XX/XX/2016, I attempted to use the Equifax website for removing a security freeze.The website does not function, except in authorizing my credit card for XXXX dollars.I CALLED IN TO EQUIFAX SECURITY FREEZE DEPT.they authorized my card again and said the freeze lift would be complete within 15 minutes.I applied for credit with XXXX creditors, they have XXXX spoken to me about the freeze they need lifted to complete their respective credit transactions.I HAVE SPOKEN TO EQUIFAX SECURITY FREEZE DEPT. again 3 more times.THEY HAVE authorized my credit card 2 more times ( proof enclosed ) and still can not release the freeze.THIS INCOMPETENCE AND TECHNICAL PROBLEM IS IMPACTING ME AND MY BUSINESS NEGATIVELY, AS EQUIFAX HAS STOPPED MY CREDIT TRANSACTIONS.A large credit union suggested I make this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is against American Honda Finance Corporation. This company has been unfair and negligent. 

Ive leased numerous leases with Honda for my company. When I turned in my last lease in XXXX, the finance manager told me that auto pay would be setup on my new Honda as well. I didnt think much of making payment arrangements after that. 

Since this is a company car, my company account was handed the contract and they were responsible to make the payments. They received no notices and did not have the presence of mind to follow up with Honda. 

Attached is a letter from the accountant stating he was responsible for making the payments on behalf of the company. Due to this, I am requesting that Honda to remove the XXXX late payment from the credit report and send the notice to all credit bureaus. 

Account information : XXXX  XXXX, ac # XXXX XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been incarcerated for the past 10 years.While incarcerated someone was using my identity to buy a car.

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