BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have freezes on my credit at all three reporting services because my personal information was released by Equifax in XXXX breech. 
On XX/XX/XXXX my credit freeze was removed by Equifax without my consent and someone tried to open credit accounts with my information. XXXX XXXX notified me about this. 
I contacted all of the companies that inquired and one contacted me. No credit was given in this case. 
Equifax had sent me a 10 digit code in XXXX after I froze my credit. 
In order to un-freeze my credit, I would have to call and give them that code. 
I never contacted Equifax but my credit was un-frozen. 
When I learned of this, I contacted Equifax to re-freeze my credit. 
It's an automated system now and all you really need to freeze or Un-freeze my credit is my SS # which is out there because of Equifax. 
I have placed a fraud alert at the 3 reporting services. 
Equifax freeze/un-freeze procedure does not protect my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage Services is the servicer of my FHA mortgage. I received a letter from my local tax office informing me that my XX/XX/XXXX city taxes that were due XX/XX/XXXX are now delinquent and a tax lien will be placed on my property if taxes are not paid by XX/XX/XXXX. After contacting my local office to inquire about the letter, and Carrington Mortgage Services, I have determined that Carrington Mortgage Services did not pay my XX/XX/XXXX city taxes from my escrow account. Carrington Mortgage Services has not been helpful in resolving this issue. When I contact them, I immediately get transferred to XXXX XXXX XXXX. After contacting Carrington/Lereta for the past week ( 5 business days ), the only information I have been able to obtain is that " the situation is being researched and escalated. '' I have not received any other information to confirm taxes are in the process of being paid. Infact, I have not received return phone calls as promised from XXXX, to update me on the status of my unpaid taxes. 
In summary, my XX/XX/XXXX city taxes were not paid from my escrow account and a tax lien is going to be placed on my property if taxes are not paid by XX/XX/XXXX. Carrington Mortgage Services has done nothing to help resolve this issue since I made initial contact with them on XX/XX/XXXX when I faxed them a copy of the delinquent tax notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX several occasion I have contacted TransUnion LLC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request on many occasion that this credit bureau validate the allege debts. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. TransUnion is reporting XXXX XXXX XXXX credit cards, XXXX XXXX bank XXXX credit card, XXXX XXXX XXXX, and a Bankruptcy as negative items or deragatory items on my credit report. On several occasion I have disputed these allege item and although TransUnion fail to provide me with require information that these allege debt are 100 percent accurate, TransUnion still reports these negative information on my credit report. I have receive letters from XXXX Bank XXXX stating that they cant provide me with validation on debt, I have letter recent as XXXX/XXXX/15. So if they are sending me these letters how is it that TransUnion is stating that allege debt has been verified. TransUnion needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. TransUnion is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. TransUnion never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. TransUnion is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have 100 percent verifiable proof. Now TransUnion continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on m y credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following account must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a {$15000.00} personal loan in 2019 and it was approved at a fixed 14.72 % interest rate for 60 months. The first payment was done on XX/XX/2019. My monthly payment is {$350.00}. However, the amount of interests charged is much higher than the interest stablished in the contract. Out of the {$350.00} payment, between $ XXXX {$170.00} is being applied toward interest every month. 
When I first noticed this problem on my first statement I contacted the Citizens Bank Customer Service where they explained that this irregularity was due being the first payment and it was going to be readjusted in future payments. Something that appeared nowhere in the loan documents I signed. 
I've made 25 monthly payments since then and this irregularity has not been resolved. Not just the rate is higher and irregular every month, the dollar amount the credit was going to cost me ( {$6200.00} ) has been overpaid and my balance has decreased less than {$5000.00}. 
This lender is not respecting the terms of the loan contract and it's using predatory, illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: MARINER FINANCE, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Mariner Finance wont stop! Ive explained the problem, a financial hardship prevents me from paying. I have answered some calls, I tell them I intend to pay, I cant give them a date, no I do not want another loan, etc. I have asked them not to call me ( three times or more per day, every single day ) because nothing is going to change tomorrow or the next day. It doesnt stop. Ive told them they are harassing me by continuing to call me. It doesnt stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they XXXX ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not one of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted XXXX now its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I noticed a debt from Account Resolution Services on XXXX XXXX. The debt was placed on my credit report in 2011. I sent ARS a certified letter requesting their info, the original creditor 's info, verification, and a lot more info for verification. They sent a letter back simply stating they verified the debt and the amount they say I owe. The debt is from XXXX XXXX XXXX of Maryland. I called the hospital, who put me in touch with another number that handles the billing for the physicians. Then given XXXX other numbers with no success at finding the bill or who is handling it. I called ARS and spoke to a lady, she stated that she did not know the contact info for them. I questioned how they would send them the money if I was to pay the debt, even though I do n't know what this debt is for. She simply stated that they could. I called back the next day, asked a lady named XXXX the same questions, received the same response. I asked to speak with a supervisor. A gentleman called me back the next day. I asked him the same questions. He refused to give me any info but said he had it. I then placed him on hold, came back and stated that I was recording the rest of the conversation. He refused to give permission and still refused to give me any information. Obviously they are hiding the original creditor 's info for a reason. Maybe they want the money for themselves. I simply want this resolved. Any help that you could give me would be much appreciated. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was talked into taking out a private student loan through XXXX XXXX by a parent in XX/XX/XXXX instead of a federal loan. This parent cosigned for the loan. I ended up not graduating due to being placed in the wrong degree and getting frustrated trying to get in the right degree. This happened in XX/XX/XXXX. 6 months later my loan came calling asking for their money. While I was living at home with my parent this was doable. Since then I have gotten married and have XXXX children. I bring XXXX around XXXX a month. My expenses run right at that a month even with government aid. My wife has been diagnosed with XXXX that occasionally leaves her XXXX. I have looked into other jobs but do not meet requirements to move into a higher paying job. My cosigner had XXXX 3 years ago and is still buried in debt from that. My loan has been sold off to American EDucati on services by this point. I have made an attempt to see if they can work with me to make this manage able and all they offer is apologies and that I can apply for forbearance. This loan has been collecting interest since I was approved. It had over {$3000.00} of interest before I even made my first payment. It is still over {$1000.00} above the original amount. I have made a majority of the payments with the cosigner help since the payments began. This is causing XXXX for my wife and I while trying to care for our XXXX children. It has caused tension between me and my cosigner over the financial stress. I have made use of forbearance since my wife and I got married twice I believe but neither was for a long period of time. I see no end to this debt that I do not really have a way to pay on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/21 I reached out regarding inaccurate and unknown things on my credit report. To this day over 60days later The following Company ran multiple unrecognizable inquires. I need these removed. I will not wait another 60 days to receive no response because clearly im being ignored. I do not recall the following or giving authorization : Company : XXXX Dates : XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a immediate removal.

My information was also impacted by the equifax data breach and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: HFS Financial LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2020 I applied for a Pool Installment Loan on the HFS Financial Website located at '' https : //www.hfsfinancial.net/ On the same time shortly after, I received a " conditional approval '' email letter stating that I was approved. 

I spoke with " Senior Loan Consultant '' XXXX XXXX on XX/XX/2020. XXXX 's tone was very rude and condescending. Apparently my credit score had decreased since the last time I had applied in XX/XX/2020. I was attempting to explain my situation to XXXX. He abruptly cut me off and the call ended. 

I attempted to look up HFS Financial NMLS # 's and I was able to find one regarding : '' Credit Services Business License '' but Installment Loans license is not active. This company is essentially a broker finding banks/credit unions to write installment loans and they are receiving a commission for doing so. 

XXXX also has no license that I could find in NMLS national registry. How can he be working doing loans and pre-screening without a proper license?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
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: Account information incorrect

Complaint:
I was given a subprime car loan with unfair rates and interest. Car was totaled and XXXX continued to charge me interest and monthly payment. XXXX issued a settlement an agreed to remove car off my credit report and a restitution payment was also issued. I have received the payment but XXXX is still listed on my report in error.

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 2021-09-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I was given a subprime car loan with unfair rates and interest. Car was totaled and XXXX continued to charge me interest and monthly payment. XXXX issued a settlement an agreed to remove car off my credit report and a restitution payment was also issued. I have received the payment but XXXX is still listed on my report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Basically the bank is having people come by lying and seemingly threatening to kick us out, after lying to us about helping and denying payment even. My house is being foreclosed on and has been sold, after payment was denied ( in the billable amount ) long before any judgment was filed or before defaulting. Now since the house has been sold, I 've had one XXXX gentleman come out before XXXX knocking on my door and lying to me. I know he 's from the bank, I 've talked to him before, but he lied to me as if he was looking for another house address number, then went up the road in the opposite direction. Yesterday I had a few XXXX gentlemen show up to my neighbor 's house telling her about our contract with the bank, telling her how we do n't pay them and that they were there to throw us out onto the streets, when an eviction has n't even been filed. The bank is basically making threats through our neighbors, and disclosing personal loan information with people who are not authorized to be on the loan. Before all this happened, the payment was caught up but the check was sent back, even though the amount of the check matched the amount on the bill and was sent in before the due date ... the check was even returned and denied to be accepted before the due date even, even though the check was to the total amount on the bill asked for by Ocwen. Ocwen proceeded to tell us to fill out numerous papers to try to get help through them to save the house, but for years paperwork was sent in only to be returned with the acknowledgement that Ocwen did n't help people save their homes. In fact the paperwork sent from Ocwen over and over was even denied by Ocwen that they had sent it to our mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Johnson Mark LLC
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XXXX i owed XXXX XXXX XXXX on a credit card debt. In XXXX it was charged off at XXXX, apparently sometime in early XXXX they got involved to assist in collection. Its been stated Johnson mark llc tried to contact me, then shortly after obtained a default judgement. Again apparently in XXXX ( maybe XXXX ) and in XXXX Of XXXX they again tried to negotiate a settlement with me, But since i didnt respond they got a judgement and ended up garnishing me in XXXX of XXXX. Facts are they didnt not provide, notify or contact me on this, and infact in those months of XXXX they pingged my equifax work report and knew where i was, They served a writ of garnish of XXXX and in early XXXX AGAIN provided my employer with a additional XXXX still owed after the XXXX was garnished. At that point i contacted XXXX in XXXX and all of a sudden the second garnishment stopped and only XXXX was taken out of the XXXX, i have requested documents on the second garnishment XXXX seperate times and have not gotten anything from my former employer only that wat i have stated has happen in a verbal form. My former employer has stated a letter of satisfaction was sent, Again when i complained. The writ copy i recieved doesnt add up, Time stamps dont match documentation and no judges signature, Even the case number cant be found. They tried to garnish bank accounts i never had and Johnson mark llc documentation reads johnson riddle mark llc, in XXXX? This firm hasnt been johnson riddle mark for a while only johnson mark llc? I got ripped off big time!! I have documentation to support this, and can send copys by email. Also XXXX XXXX responded to XXXX complaint and they stated in a letter that {$35.00} was refunded to me on XXXX/XXXX/XXXX for the garnishment that was completed on XXXX/XXXX/XXXX???? Ummm that dont make any sense

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Focus Holding Company
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive multiple phone calls from Focus Receivables Management daily, but I do not owe any debts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
had fraud that was done towards me by a family member using my SSN # { son } who developed a drug problem after his twin died in a car wreck. He had a friend who work at a car dealership and got two cars out behind me and his mother 's back. Westlake FinanciaXXXX, and XXXX thrift and loan, XXXX I've sent certified letter with a Notary signature stating this is fraud along with a copy of my FTC report and Number and still haven't gotten a response at all but this is still killing my credit. please help.

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 2016-10-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identity theft and someone else has been trying to open account in my name and I have some inquiries on my credit report I only have XXXX account with municipal credit union but it has XXXX inquiry from them XXXX/XXXX/2016 do n't belong to me and the company by the name of XXXX XXXX have XXXX inquiries on my credit report when I only supposedly should have XXXX from XXXX/XXXX/2016 belong to me

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