BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: National Default Servicing Corporation
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX thru XX/XX/XXXX I XXXX XXXX XXXX XXXX tendered payment in full thereto alleged mortgage company XXXX. Act of XXXX XXXX XXXX etc, .. XXXX XXXX. 

After tendered payment i have not received any communications from them since XX/XX/XXXX. On XX/XX/XXXX I filed a lis pendens with the local Constable and all parties therein were served due to no response knowing they would make an attempt to foreclose after refusing the tender of payment. I received another email notice another filing by XXXX XXXX XXXX alleging a sell of the death pledge or Deed of Trust on or about XX/XX/XXXX with no correspondence to me the XXXX title holder. 

On or about XX/XX/XXXX i received an electronic notice from the XXXX County Recorder stating someone filed a instrument on my private XXXX property. While at the same time i was prevented from filing my own instruments on my XXXX  private property. 

XXXX is the filler claiming to be the Trustee. When this property parcel No. XXXX lot XXXX latitude XXXX longitude XXXX. 

My private property is held within my XXXX XXXX  estate trust XXXX and is kept sealed. I have sealed court stamped documents showing the tender of payment and the exemption of my XXXX  property rather XXXX has sent a woman named XXXX XXXX to my Abode while i was out of the country on vacation celebrating my XXXX anniversary with my cohort. She place a open visible document alleging my home is in default and going into foreclosure on XX/XX/XXXX approximately XXXX where no one could recognize her but caught on camera her XXXX XXXX XXXX  as she parked a few houses down and proceeded to place the documents with blue tape on the Abode. 

She then returned writing on the document a date of XXXX on XX/XX/XXXX. She then returned on XX/XX/XXXX approximately XXXX pm while i was home and left another letter on the door with the same blue tape. I then called the XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX and they contacted XXXX XXXX. 

She stated to the Trustee XXXX XXXX XXXX that she was trying to help me save my home. She was warned that the home was tendered in full but she persist to use scare tactics stating the County Recorder has the home listed as in Default which is not true for the Clerk XXXX XXXX XXXX was notified on XX/XX/XXXX by XXXX XXXX mailings of the court orders to remove all instruments from my private Abode. 

It appears that XXXX and XXXX XXXX are working together trying to get me in a contract to sell my home, .. rather my Abode is not for sale and i didn't contact either of them for their alleged assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan was originally with XXXX and I received notice that effectiveXX/XX/XXXXBayview Loan Servicing will take over the mortgage. I was late paying XX/XX/XXXX payment so I sent XXXX XXXX AND XX/XX/XXXXpayment in one check with instructions in the memo section that the check was XX/XX/XXXXandXX/XX/XXXX. OnlyXX/XX/XXXX XXXX applied the check for XXXX 's payment and the remaining to my escrow account. Since that date I 've written multiple letters to XXXX and Bayview to have that money removed from the escrow account and placed towards a monthly payment to get my account up to date. XXXX has answered my letter and said since the account and escrow was turned over to Bayview then I must direct all questions and concerns to Bayview. I received a letter from Bayview saying they received my letter and they would answer it by XX/XX/XXXX. However, I then received a letter and notice of intent to foreclose if I 've not paid ( what I already paid ) by XX/XX/XXXX ; BEFORE they will even answer my letter and have them move the money that I already paid from the escrow account towards a monthly mortgage payment OR refund me the escrow so I can then send them a check. I saw no other option than to take out a loan so I could pay an additional monthly mortgage payment so my house is not taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Atlanticus Services Corporation
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I ordered the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This item was delivered and assembled to my home by XXXX ( XXXX, XXXX ) on XX/XX/XXXX. I  contacted the return service XXXX XXXX XXXX XXXX to schedule a return of the equipment because I was not happy with the device. XXXX emailed me back on XX/XX/XXXX and quickly arranged for equipment disassemble and pickup from my home which occurred on XX/XX/XXXX ; this was within the 30-day return window. Since that time Fortiva has harassed me daily to pay for the equipment, they refuse to let me speak with a manager or supervisor, and now they have begun  to destroy my credit. Product_Or_Service : XXXX XXXX XXXX XXXX XXXX Order_Number : XXXX Total {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: American Credit Acceptance, LLC
State: FL
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 AMERICAN CREDIT ACCEPT with account number XXXX has violated my rights : 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

The creditor hasn't mailed me anything to the address that's on my driver license that will be attached. Just looking over my credit report and I have several different address that don't belong on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Convergent Resources, Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I switched cell phone carriers from XXXX to XXXX XXXX XXXX and prior to switching I was to pay my balance in fill in which I did. After being with XXXX XXXX XXXX I went to finance a phone through their sales department when when doing so they showed I have a balance with XXXX, Ive attended to contact XXXX multiple and I am told they can not help me because on their side it does not show an outstanding balance. Im at the end with dealing with these people and have gotten nowhere. 

On my credit report it shows in collections a total of {$850.00} for ( convergent outsourcing )

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
for the record i would like to first state that my papers are notarized showing you I am indeed who i say i am. On XX/XX/2021 I sent a letter dealing with unknown, misleading, unverifiable things on my credit report. till this day now well over 60 days later i haven't received any response. Now this is unlawful and just overall bad business. I feel that I am being taken advantage of and my dispute is going ignored. The law, Section 611 ( a ) to be exact states clearly that a failure to investigate these item in 30 days gives reason to immediately remove the items in question from my credit report. it has been over 60 days so they should be deleted immediately or I will file litigation due to all this stress caused to me. Also my information was impacted by the Equifax data breech and might have got into the wrong hands or information mixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was with Navient for my student loan servicing for many years. I would be asked to document my income every year and complain about the amount of my payments. I was offered and took a forebearance on many occasions and for extended periods of time as my principle balance increased and almost doubled what I actually borrowed. When documenting my income I always checked the block asking for the lowest possible payment. My loans were transferred to XXXX to take advantage of the PSLF program. During discussions with an agent she suggested a different repayment plan which would considerably reduce my payments. I asked her why when I was with Navient, if I always asked for the lowest payment when verifying my income, why would n't I already be in that plan. She explained there had been problems with Navient in regards to these types of issues. Having recently completed the change to the new plan my payment was reduced by approximately 40 %. I submitted a complaint to Federal Student Aid and recieved a letter fromNavient denying any wrong doing. I feel Navient has cost me thousands of dollars over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a Suntrust XXXX XXXX credit card. 
TRUIST took over SunTrust. TRUIST told me they can not help me because Suntrust gave this account to a " third party ''. 

I made my payments before the due date but they still charged me extra interest and a late fee. They will not help me on the phone. They give the runaround. The letter I sent to their XXXX XXXX was returned by the post office, labeled " no such number '' I want the interest and late fee refunded.

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 monetary relief
Consumer complaint received 2018-06-03
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a fixed rate of 6 % on my citi credit card. Several years ago, they changed some terms ( raising the rate ) and the offer stated that if I rejected the new terms, they would close my account, but the rate would remain at 6 % until I paid off the card. The rate has steadily been creeping up and now it is at 7.49 %. When I contact them about it, they tell me I have to open the account again, to even negotiate a rate with them! They are not upholding the original deal, which I had no choice but to accept, by the way. I pay on time and have an excellent credit score.I want my 6 % rate back, as I was promised. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am among the people affected by the Equifax security breach. It is unacceptable that Equifax handled data this important with so little security around it, and now I have to worry about identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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 am a victim of identity theft. I am writing to request that you add the following Extended fraud alert on my credit report : ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT ( 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 non-monetary relief
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received copy of my credit report, and i saw accounts which are not belong to me. 
I believe, that i was victim of identity theft, someone used my personal information and applied for all these accounts, i'm not responsible for all these debts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received an alert on my credit and it appeared to be an account I was unaware of. I am sending this message in regards to the account showing that I opened up a new account on XXXX XXXX, 2017. It is impossible to place an account on my credit file, it is a fraudulent action by your company. I was never contacted by anyone nor did I allow anyone to use my credit without my consent. Now I am seeking a civil case towards your company including Equifax. I did not apply for new credit. It is impossible to own an account after a month so you can remove this account for good. I do n't have any clue where this account came from. You are committing a fraudulent crime. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a Federally protected consumer, and I am making this complaint against Hunter Warfield for committing Identity theft. I have never given Hunter Warfield any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe I am legally refusing to pay this debt Pursuant to 15 USC 1692c ( c ) .I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Hunter Warfield can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Hunter Warfield continues its collection efforts, I will file for litigation for actual damages caused and Hunter Warfield will be held criminally liable for aggravated Identity theft Pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mal fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On three consecutive business days ( XXXX XXXX,XXXX, and XXXX ), XXXX XXXX of Fay Servicing or his representative showed up physically at my property at XXXX XXXX XXXX, XXXX, GA XXXX and taped the identical letter, dated XXXX XXXX, XXXX, on my door on each of those consecutive nights. The letter requested that I call him directly at ( XXXX ) XXXX in order to " verify my current information and to discuss how [ we ] can work together to improve [ my ] mortgage situation. '' I called him at this number on XX/XX/XXXX at XXXX XXXX and my phone call went to his voicemail. I left a message reassuring him that I had received his letter, requesting that he not post it on my door anymore, and that I was calling him as he had requested. I asked him to call me back that evening or the next day ( XX/XX/XXXX ) between the hours of XXXX XXXX and XXXX XXXX, when I would be available to take his phone call. As of XX/XX/XXXX and I had not yet received a phone call back from him, so on that date I emailed him at the email address he provided asking that he reply to my email with specific instructions as to how to submit my Loss Mitigation Application. It is now XX/XX/XXXX and I still have not received a return phone call or email reply from him or Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 consumer contacted Equifax via certified mail to dispute & request removal of XXXX XXXX XXXX Account being reported on consumer 's credit profile. This has impacted consumer 's credit worthiness, accuracy, and credit score, taking 36+ points from score causing damage to my score. XXXX & XXXX responded to consumer via mail on XX/XX/2022 stating they agree to request that their tradeline related to the account be removed and deleted from the credit bureaus. It has been removed from XXXX, but not XXXX and Equifax. Please remove XXXX XXXX XXXX account from all consumer reports and update credit profile with accurate deletion of account associated with the name XXXX XXXX XXXX

Company response to consumer: Closed with explanation