BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-17
Company: Allied Collection Services, Inc. (Nevada)
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My name is XXXX XXXX and my XXXX cell phone bill went to collections. On XX/XX/2020 I received a phone call from a debt collector, I told her that I was unable to make a payment and the debt collectors ' response was, I don't understand why you can't pay your phone bill when you just received a {$600.00} stimulus check. I told her she had no right to say that to me and I hung up. I called back and spoke with another debt collector and told him what happened. He stated that she shouldn't have said that to me and transfer me to the supervisor. The supervisor whose name is XXXX talked over me and hung up. The name of the debt collection agency is ACSI the phone number is XXXX. I called the corporate office at XXXX and was transfer back to this XXXX person. I know that the money is owed back a debit collector has no right to tell me she doesn't understand why I can't pay my bill because I just got a {$600.00} stimulus check. She was very rude and inappropriate. The debt collector doesn't know if I received a stimulus check. Please help me the supervisor XXXX stated that she listened to the call and didn't find anything wrong with how it was handled.

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 2021-09-01
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I received final loan modification agreement of installment payment after my COVID forbearance. 

On XX/XX/2021 I received a notification that my mortgage payment was going to be {$1700.00} more from our agreement amount. 

According to agreement everything was already calculated escrow, past due, etc Today XX/XX/XXXX I have been going back and fourth trying to figure out why my payment almost doubled. Between contacting escrow department customer service and the loan modification department continue to point fingers at each other, then they say my homeowners county tax doubled witch is not true. 

They disbursed XXXX last year in taxes but the county only received XXXX, I am not sure how they are stating they paid that amount and they cant give me dates and there online system is very limited on what I can see. I need help regulating this lender because there terms and conditions for our agreement never stated I was past due on my Escrow account. 

According to the loan modification agreement terms sent in XX/XX/2021 I was only short XXXX, and I funded it with my proposed payments agreement prior to the loan modification agreement finalization. 

I attached the document. 


I need urgent help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: DigniFi
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: Information belongs to someone else

Complaint:
On XX/XX/2022, I received an alert from XXXX that my XXXX XXXX has a negative change. When I looked into my Experian account I saw that a credit line I had never heard of had been opened in my name and was past due on payments. The creditor is XXXXDignifi , and when I contacted them I was told that I had opened the account in XXXX of 2022 and was past due on payments as of XX/XX/XXXX. I disputed that this was my account and they immediately closed the account to and said they were sending me paperwork about further disputing the fraud ( which has not yet happened ). XXXX also followed up with the company but did not resolve the issue or remove the negative account from my credit report. I also opened a police report with the XXXX XXXX police department on XX/XX/2022 ( report XXXX ). Also, while this dispute with XXXX was ongoing, someone hacked my XXXX account and changed all my personal information : email address, phone number, password, security question, etc. I believe I have resolved this with XXXX but it's clear someone had created a fraudulent account in my name and then tried to hide it from me. If it helps at all, the phone number that was entered in the XXXX system and which is not mine is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: NV
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 U.S.C 1681. 

The following accounts have violated my rights. 

Account name : XXXX XXXX XXXX 
Account numberXXXX Open balance : {$450.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX : {$750.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Utah XXXX Phone XXXX XXXX Account XXXX : XXXX XXXX Account XXXX Open balance : {$330.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Phone : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 items of information, other than the records of convictions of crimes which antedates the report by more than XXXX 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 an accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 a direct deposit of {$71.00} entered my account, also on XX/XX/2021 {$69.00} was withdrawn from same account with no details. Im not sure how or who withdrew it Or why. So if you guys could let me know what happened and reimburse my account i would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX Balance : {$3100.00} - You are reporting an inaccurate payment history. You can not keep this incorrect and inconsistent information on my file, Please Delete. 

XXXX XXXX XXXX Balance : $ XXXX Late payments should be consistent between all 3 bureaus need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately. 

XXXX XXXX XXXX  XXXX Balance : {$2400.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.

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 2022-08-01
Company: Altisource Portfolio Solutions, S.à r.l.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Altisource Solutions Inc., working as a XXXX for XXXX XXXX XXXX XXXX XXXX XXXX sent a XXXX  to my house with the intent to break in my home. There was a criminal case and conviction of the XXXX in the XXXX XXXX XXXX XXXX XXXX, XXXX. Altisource and the other above named companies did this intentionally knowing I occupied the home. I was in communications with my loan servicer at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I replied back within the 30 day window for debt validation according to the letter LVNV funding does not own this account its being serviced by Resurgent Capital. I sent everything through Consumer Financial protection bureau and I have a copy of the reply from Resurgent Capital whos managing this account. I requested proof for documents Resurgent Capital who owns this account stated communication about this account would be ceased and nothing will be reported to the credit bureaus Of LVNV is not removed from credit file in XXXX business days I will file a lawsuit against this fraudulent company. I will be suing for improper use of account, no debt validation was done as I replied within the 30 day window. And I will sue for punitive damages. I just reached out to my attorney on the next steps. And I just forwarded my attorney the copy of the response I receive from the Consumer Financial Protection bureau. I will have LVNV XXXX down and investigated on every account they have in office and file a class action lawsuit. Let me go online and start a petition to get this ball rolling. I will post the petition and see if we can get a class action lawsuit for improper use of credit report, improper debt validation from a junk buying company. I would like for the XXXX XXXX XXXX shut this business down immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Tally Technologies
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:
My identity was stolen. Someone made purchases and obtain accounts in my name! The issue was reported to the federal government ( FTC ) as well as the credit bureaus and each company. The companies honored the removal requests after reviewing the appropriate documents, however, those same companies sold the accounts to debt collectors or other debt buying companies, and now the accounts are reporting again under new companies. Its devastating to say the least!

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 2020-04-17
Company: Midwest Recovery Systems
State: AR
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:
Please be advise that this account was recently deleted from my XXXX  Credit  report due to identity fraud. The account ( XXXX XXXX XXXX  # XXXX ) was previously owned or placed in collection on behalf of XXXX XXXX whom apparently has sold this fraudulent debt after being notified from myself and XXXX  to MIDWEST RECOVERY SYSTEMS. Now this same account with a balance of {$150.00} is reporting on my XXXX  credit file with MIDWEST RECOVERY SYSTEMS as the collector. There are several violations due to this activity. XXXX  is at fault for re-reporting fraudulent blocked information. XXXX XXXX XXXX is in violation for re-selling a debt that was from the direct result of identity theft. MIDWEST RE COVERY SYSTEMS  failed to send any initial 5 day notice of them taking ownership of the debt before placing on my credit file. This debt must be removed or I will consult with a consumer attorney ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am inquiring about forbearance versus deferment. Why is PHH/XXXX not offering clients a deferment payment during these unprecedented times of COVID-19? 
I am an on-time paying client and have been for many years. I have been impacted by COVID-19 with a furlough and an uncertain return-to-work time frame. I contacted XXXX customer service by phone on XX/XX/20 and through email only to learn that the expectation of forbearance is to repay at the end of 90 days with no option to renegotiate the loan. My intent to defer, ( have the payments that are missed be renegotiated back into the life of the loan ) was not entertained. 
I would like XXXX/PHH to consider the client on an individual basis. COVID-19 impact is not a one-size-fits all. Every client should have options at this time. 

I have included the attorney general of California in this email for future reference and counsel, potentially for my circumstance or others. 

Please confirm the receipt of this email and what next steps may look like. 

XXXX 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 2020-04-17
Company: Experian Information Solutions Inc.
State: NC
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:
My identity was stolen back in 2018 due to my information being exposed in the XXXX XXXX XXXX. As a result fraudulent information has been posted to my credit report. According the Fair Credit Reporting Act Section 605-B these fraudulent accounts should be deleted from my credit report within 4 days. I have contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent account reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all.

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 2022-12-21
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account can not be linked to the bank and withdraw cash. I have called the PayPal customer service representatives many times, but the problem has not been resolved. Please " CFBP '' help me! thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
Equifax and XXXX  both decreased my credit scores by approximately 50 points or more, for utilizing my credit cards. For the past 2 years I have labored to repair my credit, paying off close to {$10000.00} worth of debt. Since then, I have begun a positive and responsible habit of paying all my debts in a timely manner. I have been utilizing my various new credit cards carefully and always immediately pay my balances, often times paying off the entire balances on my credit cards every month. With the general uncertainties brought on by the Covid-19 pandemic, I have made sure to exercise extra caution in using my limited assets to take care of my existing debt, as well as new and different expenses that have risen due to the pandemic. Things such as buying extra supplies for use and creating a just stockpile of items for possible continued quarantine times. In a time were most Americans are asking for deferments on their payments, I have diligently made all of my payments to all my creditors and have full intentions to continue as such. This is why I bring forth this complaint in regards to how EQUIFAX and XXXX  are reporting on my credit status. I am asking for leniency. I am asking for compassion. I am asking for fairness. I am asking for consideration. I am doing the best that I can to keep afloat during these difficult times, as is everyone else. I have used my assets to satisfy my current debts to the best of my ability and feel, it is unjust for my credit scores to be dropped from the XXXX 's to a XXXX because I used my credit cards during a PANDEMIC! The credit was afforded to me, to use as I choose, in a responsible manner when necessary and I am doing that. I have made ALL of my current payments, on time and have asked for no deferments except for my student loans, as they were placed on an automatic deferment due to recent legislation signed by President Trump. Aside from this, upon investigation, findings will prove I have a current " excellent payment history '' as so reported by XXXX  as well as the other 2 bureaus. The extreme credit score drops are not justifiable. I seek fairness and justice in the way these bureaus, EQUIFAX and XXXX  are interpreting and reporting on my credit status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I originally started the application process on XX/XX/21 and was given the Loan Estimate with XXXX XXXX  of {$2300.00} on XX/XX/21. 
XXXX XXXX NMLS # XXXX was the Loan Officer from Loan Depot that started my application and locked in the details of the loan. It was interesting how he wanted me to commit to a home value ( I'm no expert and they still have to do an appraisal anyway ) in order to lock me into the loan terms ( which they later change and charge more if the appraisal fails the numbers you gave them ). This behavior in itself is setup to take advantage of you by changing the terms once the appraisal is done. Also, I had closed a loan ( Closed on XX/XX/21 ) previously with Loan Depot and the appraiser mentioned how afraid he was of any legal action from Loan Depot for reporting on the 'real " current market rate ( a current seller 's market ), knowing Loan Depot would take legal action against him or may not use him again, if his appraisal changed in a year. This practice and behavior forces a lower than standard appraisal from the appraiser, every time. 
Back to the Lender Credits ... after requesting all updates to my Loan Estimate be communicated to me with what the update actually was ( I requested this via voice and email ), Loan Depot would not comply with this request, so I was left reviewing and trying to spot the differences between Loan Estimates each time and having to figure out what the changes were. This setup and behavior, in my opinion, is a great way to set the borrower up for hidden 'bait and switch ' tactics which would go unnoticed due to many Loan Estimate updates being provided by the electronic system and only a 'viewing ' confirmation needed in order to XXXXconfirm ' approval. Whereby, the borrower, who has spent the last month or longer waiting for closing to be scheduled would forgo last minute $ $ changes in order to get to a closing. They really get you when they have you by the short hairs. 
For me the 'bait and switch ' occurred on the Loan Estimate dated on XX/XX/21 whereby, all of a sudden, my XXXX XXXX was now {$1000.00} ( a full {$1200.00} less ). I noticed this immediately and called the current Account Manager, XXXX XXXX who immediately sent out an email internally to managers and XXXX regarding this. The following day XXXX called me and admitted the error was on their part ; however, there would be no change in the Lender Credit. I told him this was a bait and switch and asked about speaking to his manager, which he replied, that would not be necessary. I told him I was cancelling this loan. He said he was refunding my Appraisal cost ( which yet has to be returned ). 
Thank XXXX for a few other Lenders Ive talked with who told me to go on CFPB to write this up and make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a Victim of Identity Theft. I contacted the Federal Trade Commission and filed a Complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number XXXX Account Type Credit card Individual Date Opened XX/XX/XXXX. {$1100.00} past due as of XX/XX/XXXX. 


XXXX XXXX CR UNION {$6200.00} Paid, closed Date opened XX/XX/XXXX Loan Amount {$6200.00} U S DEPT OF EDXXXX {$0.00} Paid, closed Date opened XX/XX/XXXX Balance Loan Amount {$2300.00} Date opened XX/XX/XXXX Balance Loan Amount {$1900.00} Closed Date opened XX/XX/XXXX Balance Loan Amount {$4200.00} XXXX  XXXX  {$4600.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} Reported balance Credit limit {$7500.00} Opened XX/XX/XXXX Amount past due {$7800.00} XXXX XXXX  XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX {$3700.00} Reported balance Highest balance {$3900.00} Opened XX/XX/XXXX XXXX & XXXX XXXX Last reported XX/XX/XXXX {$3900.00} Reported balance Opened XX/XX/XXXX XXXX  & XXXX XXXX {$1400.00} Highest balance {$1400.00} Monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX {$6200.00} Opened XX/XX/XXXX XXXX XXXX {$5500.00} Reported balance Opened XX/XX/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