BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
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:
I filed a FTC  Affidavit report and credit report pertaining to a a data furnisher listed on my account XXXX XXXX XXXX. At the time of the report the account number they where reporting the fraudulent account under was XXXX as was listed on the affidavit and the police report so it was removed from my credit file with XXXX   immediately and XXXX it was removed from XXXX  on or around XX/XX/07 I gave the report attached. What XXXX XXXX then did was change the account number with Equifax to XXXX which allowed it to stay reported on my account and resubmitted it to XXXX   under this new account number and statement saying the account is current! XXXX  deleted it again as I informed them of the error and then on XX/XX/XXXX informed me that they had to reinstate it because the data furnisher gave them new information which they had to keep it on the report. They violated the 5day FCRA 605b law which states they are supposed to infirm me of any reinserted accounts twice and did not provide the 5 day forwarning. I attached the documents credit reports where it shows that the XXXX   account was deleted under a different account number as if XXXX due to the affidavit and the police report then I attached the current report from XXXX with the new account number and its clearly evident that it is in fact the same account number due to the history and the opening date of the files its identical only account number changed so they can illegally keep reporting it on my credit profile. This situation cost me 80 points and a denial from the SBA I need it to be resolved immediately so I can reapply with the SBA so I can get back to business. I attached an updated FTC report with the new XXXX  XXXX account number and as per FCRA LAW 605B its should be permanently deleted from both Equifaxs and XXXX  credit reports immediately. I also sent the data furnisher a Cease and Desist as well as a second FTC REPORT which according to the first one they should of stop reporting however they continued on reporting which is an additional violation to FCRA law rights! In addition to this file there are other fraudulent items being reported with these two bureaus several inquiries that where not initiated by me with XXXX  its XXXX and with Equifax they are XXXX/XXXX, XXXX, and wise XXXX XXXX as reported on the attached FTC affidavit the other inquires are with XXXX  I will file a separate claim for that along with the inaccurate reporting from another company XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: GA
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 XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Auto XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX Sys # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX all 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Company promised to defer my payments for 180 days ( I have the call recorded ) with no negative impact on my credit, and that they would just move the payments to the end of the loan, I was able to make a payment anyway, but they put my account in " loss mitigation status '' without my consent this is going to ruin my credit and is not what we they promised or what they are required to do as directed by HUD and the federal government.

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 2017-12-14
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Two transactions on XX/XX/XXXX and XX/XX/XXXX were transacted for XXXX dollars on my card and they were unauthorized. Upon notifying the card issuer they said they would be unable to file a claim on these fraudulent charges. As well they said they would be locking my account and refusing me access to the rest of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Rushmore Loan Management Services LLC ( RLMS ) purchased my mortgage from XXXX XXXX XXXX in XX/XX/XXXX. I was assured the my loan payment would not increase, however, since XX/XX/XXXX, RLMS has continued to increase my loan payments stating variety of reasons such as home insurance increase, property tax increase and escrow shortage. I requested to have my loan account to be reviewed for the listed shortages and the company did not respond for 4-6 months. XX/XX/XXXX I received another report listed escrow shortage, this time much larger that the last. I am sending my written request to RLMS on XX/XX/XXXX for yet another investigation in the shortages. My home insurance and property tax increased for an annual total of {$97.00}, not even close to what the RLMS ' shortage amount of {$780.00}! Please advise on proper legal action so that this company does not commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have received several calls ( Assume it is Ace Cash Express ) XXXX ) that the Attorney General has requested the State Police to Arrest me for an uncollectable debt. That within XXXX hours they will pick me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX I was approved for a 3 month trial modification on my mortgage. I completed ed my trial successfully and now my mortgage is 7 months in. Since my monthly payment was 50 % of my current income I had applied for a monthly mortgage reduction in XXXX XXXX and was granted starting on XXXX XXXX. XXXX. When I went to make my XXXX payment online thru there website the option was not available. I was told there site would be down approx. XXXX3 weeks, so they suggested to make the payment by phone. When I called the representative they had the old payment and not the new payment updated. They said they could not find the new notarized modification I mailed backed to them last month. Today I had it scanned and emailed this to them and they still are demanding I make the old monthly payment. I currently have XXXX neighborhood housing in MD trying to help with this but they are not getting anywhere with them. I have made XXXX on time payments and I do not want to go into default. I do n't know if this is a game there playing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
EQUIFAX-ABOSLUTELY HORRIBLE I have sent many requests, disputes and they keep adding duplicates of the same company ... 4 times ; REMOVE 1. XXXXduplicate-on my report XXXX times REMOVE 2. XXXX-duplicate on my report XXXX times-REMOVE 3. XXXX duplicate on my report XXXX times-REMOVE 4. XXXX-OK THIS IS THE CORRECT XXXX-leave on 5. XXXX OVER 10 YEARS OLD-REMOVE 6. XXXXOVER 9 YEARS OLD - REMOVE 7, XXXXOVER 15 YEARS OLD - REMOVE 8. XXXX -over 9 years old REMOVE 9. XXXXOver 9 years old REMOVE 10. XXXX-over 9 years old REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Dyck-O'Neal, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I contacted Dyck-O'Neal in regards to their account # XXXX. In the letter, I explained that the note was a modification of an existing mortgage loan, not a new financial instrument. Further more, I supplied a XXXX clearly showing that the entire balance was charged off and that a Satisfaction of Mortgage was filed on XX/XX/XXXX after the date that Dyck-O'neal states this account was opened. Since my communication to Dyck-O'neal, no satisfactory explanation of how their account is a valid debt has been provided to me. Communication from them has been sporadic at best, with no communication during recent periods of a year or more. Recently, I disputed this account with XXXX credit reporting agencies since Dyck-O'neal decided to start reporting this account as late. The disputes resulted in still no details of why this debt is valid. 

In a nutshell, this debt was 100 % charged off by XXXX XXXX during a Deed-in-lieu of foreclosure and Dyck-O'neal has no right to attempt to collect on this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My account is currently in settlement. I have made my payments as agreed to since XXXX. Covid-19 hits and my family is having some hardships with income. Discover Card has indicated they have nothing in place to help extend out the 11 month requirement leaving me to pay my settlement in full by XXXX. I am hoping to only need a couple month extension and am trying my best to pay off the settlement so I don't lose what I have paid so far. They indicated that this isn't a problem with Discover but with CFPB as they have not addressed allowing them to do this. In times like these I think this needs to be addressed ASAP so we don't lose the agreement we have made. For those of us who are trying to pay off our debts, I am asking that there be some flexibility as we all go through this crisis and have to prepare for job losses, potential furloughs etc. I was able to make a {$500.00} payment today but that just increases the monthly payment I have to make by XXXX. Please consider looking at this issue as I know I am not the only one out there having it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2016-12-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed XXXX inquiries that were not mine. I had never applied for credit, insurance, employment with any of these companies and had no business dealing with any of these companies. Equifax refused to investigate simply stating they are factual records and to contact the companies who pulled my reports without consent. NONE of the XXXX companies would respond to me. Equifax had a duty under Federal law to investigate, yet failed to do so placing the burden on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have currently paid off the credit card debt that I owe to XXXX  XXXX XXXX due to a misunderstanding in my family. I still receive calls from debt collectors over a debt I do not owe anymore and it is still a blemish in my credit report. These debt collectors have been calling me since XXXX of this year and I have been receiving calls from 3 different companies : XXXX  XXXX, Portfolio Recovery, and XXXX XXXX XXXX. I have not answered any of their attempts at contact due to understanding my rights and knowing that as of this point my debts are in good standing now. According to what my credit report has said I owe up to {$2600.00} to portfolio recovery, {$710.00} to XXXX   XXXX, and {$930.00} to XXXX XXXX  XXXX  which is not close to the amount of debt I previously owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Elite Financial Services, Inc.
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
They called me on my job and when asked not to call, the rep said that they 'd call again if they needed to verify my employment. They also talked rough and kept asking me to commit to a payment. When I said that I did n't know how much I could pay, they tried to bully me into to making a payment by saying, " Do n't you know how much money you 'll have. '' They also told me that they 'd put this on my credit report and I 'd have trouble renting a home/apartment in the future. Lastly, I called them on Wednesday, XXXX XXXX, XXXX to ask them if I could settle the account with a {$100.00} payment since my balance is {$200.00} and I had n't made a payment since XXXX XXXX. They refused the payment. So, I said, " Ok, I will take the {$100.00} and pay it towards another bill, '' and the rep said, " Ok. Have a nice day. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/16 XXXX payments ( Mortgage {$640.00} & Escrow Shortage {$190.00} ) was made at my local branch. I was told that the computer would not accept the XXXX payments because it has my mortgage payment at {$650.00} therefore the mortgage payment of {$640.00} was transferred into my savings account & the mortgage payment for the month of XXXX was paid by taken the difference that was needed ( {$16.00} XXXX & applying it to the mortgage ; I was also told that the payment for the escrow shortage in the amount of {$190.00} will be credited to my account. 
On XXXX/XXXX/16 I notified customer services via telephone that the payment for my escrow shortage in the amount of {$190.00} was placed in a suspense account instead of applying it to the mortgage. Customer service informed me that the escrow payment in the amount of {$190.00} would be applied to my account within 24 hours. On XXXX/XXXX/16 I observed through online banking only {$180.00} was actually applied to the escrow shortage leaving {$18.00} still in the suspense account & I also noticed that my mortgage is still set at the old amount of {$650.00} ( pre escrow shortage amount ) instead of the new amount of {$640.00} after paying the escrow shortage off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred from XXXX XXXX to Select Portfolio Servicing in XXXX of XXXX. Somehow Select Portfolio Servicing added an additonal {$2900.00} to the loan as attorney fees for a foreclosure which was dismissed one year prior to the transfer of my loan. 

I had appeared before Judge XXXX XXXX XXXX, Circuit Court oXXXX XXXX XXXX, Illinois, chancery Division Mortgage Foreclosure Section on Monday, XX/XX/XXXX for a foreclosure preliminary hearing and was referred to XXXX XXXX XXXXXXXX XXXX XXXX  attorney for XXXX XXXX XXXX XXXX. After contacting XXXX XXXX XXXX in writing the foreclosure case was dismissed on XX/XX/XXXX, eight months prior to being transferred to SPS. ( See attached XXXX XXXX XXXX. XXXX. ) Also, loan deferrment agreement between XXXX XXXX XXXX and XXXX XXXX XXXX list attorney fees at {$470.00}. ( See attached ) I also contacted XXXX XXXX XXXX who attest fact that only the loan amount of {$49000.00} ( the loan balance ), and {$470.00} ( attorney fees ) were transferred with the loan and they did fax me a copy of that transaction. ( See attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: EQUIFAX, INC.
State: FL
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:
Good Evening, On XX/XX/2021 I submitted a claim with Equifax to advise them they had the incorrect SSN on the website ( Confirmation : XXXX ) on XX/XX/2021 the Claim was " Completed ''. When checking the website it still had the incorrect SSN, so I contacted their offices directly to let them know the issue was not fixed. I was mimicked, laughed at and told I couldn't speak to Manager, the Rep refused to give me his name and he was disrespectful, put me on hold then sent me to a survey line. I then filed another complaint XX/XX/2021 ( Confirmation:XXXX ), it was completed the same day and the SSN was not corrected. I then submitted another claim on XX/XX/2021 ( Confirmation:XXXX ) and contacted the Equifax Offices , again I was mimicked I was laughed at for the issue I was having, was called racial names and hung up on. I have been having the issue since the beginning of September have received multiple letters saying the issue was fixed and it has not. Equifax says they have no records of any of the claims but I have multiple letters they are not assisting. I have filed a complaint with XXXX they have not assisted either. I'm at my wits end, this has been such a challenge. And for the company to be so disrespectful, unwilling to assist, and then to make fun and use racial slurs is very disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: Medical Data Systems, Inc.
State: GA
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:
This company, MEDICAL DATA SYSTEMS INC was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit 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 2022-04-13
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My phone was stolen while visiting a XXXX XXXX property. I wasn't able to check balances or anything because I didn't have my phone, and I continued to use the bank card in my posssession, however I did not immediately realize my XXXX XXXX account was hacked. I noticed four unauthorized charges in the amounts of : {$210.00}, {$100.00}, {$300.00}, and {$420.00}. I got my account pretty much drained. I submitted documentation, police reports and have also written to my state senator for assistance. Up to XXXX is suppose to be FDIC insured, and Chime came to a very quick ( 24hr ) decision that no error occured. I was robbed and they refuse to do anything about it because of a lack of manpower, in my opinion. This should not be happening to people who trust Chime with their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Featured Mediation, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX & XX/XX/XXXX I entered into an agreement with a debt collection company to pay a credit card debt. The amount owed was paid in full and the account was closed. It was for a credit card I believe XXXX bank. I have never heard anything since and have not seen the debt reported on my credit reports as deliquent after being paid off. Recently this Featured Mediation LLC company has been calling XXXX times a day to my husbands phone and to family friends stating I have no choice but to pay the debt or have my wages garnished XXXX % and have legal proceedings brought against me including jail time. The calls are constant and very threatening. We have saved some of the voicemails that have been received since giving up answering the calls. A letter has been sent to the company requesting they stop contacting via phone ( although it may not have been received as of this complaint as it was just recently mailed ). I 'm not even XXXX sure if the debt they are claiming is the same as the one I paid as I paid off a XXXX and they are stating XXXX, but it 's the only credit card I had at that time.

Company response to consumer: Closed with explanation