BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-30
Company: AMERISAVE MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Amerisave said after I explained my situation that I would have no trouble getting a mortgage with them, all I needed to do was pay for an appraisal. I did and was denied the loan, even though the appraisal came in as it should have. Avoid Amerisave at all cost, they are very fraudulent ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-19
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
After retaining counsel in XXXX of XXXX due to contact by Javitch & Co. a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney XXXX XXXX XXXX OH contacted said collection firm and asked to set up a payment schedule - debited directly from my bank account. Attorney XXXX NEVER had a call returned from XXXX XXXX the contact person on record for this action with Javitch & Co. in XXXX OH. I am on Social Security, as my only source of income. 
Being a seasonal employee at XXXX XXXX in XXXX - I was contacted by XXXX XXXX that my wages would be garnished at 25 % of net pay, when I worked for XXXX XXXX - working for XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX - I had {$2800.00} garnished from my paychecks - a MAJOR setback for my finances as my Social Security barely covers my monthly overhead. 
Efforts by Attorney XXXX to reach XXXX XXXX at Javitch & Co. to arrive at an equitable monthly payment - directly debited from my account. Went unanswered by phone and writing. 
A complete written history since judgement was rendered by the court toward my effort to establish payment schedule, through counsel is 100 % factual. This Collection agency - Javitch & Co. has totally ignored all requests by counsel & has circumvented equitable protocol to establish a payment schedule for re-payment of this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Aargon Agency, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There are XXXX collections that have recently been put on my credit report by a collection company and they have no record of the collection. I have tried to dispute the items with the bureau and they have come back as verified and not going to be deleted according to XXXX. I do n't know where else to turn to help as this item is severely damaging my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2020-10-06
Company: LJ Ross Associates
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
L J ROSS ASSOCIATION XXXX is owed from XXXX XXXX XXXX and it was opened, XX/XX/XXXX, XXXX this is not mines i been trying to get this off of my credit report for a while. i never had a apartment before so could i even have a electric bill.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: TekCollect Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is not my debt. I 've told these people this repeatedly. It 's for some wildlife books or something. I never ordered them. I 've spoke to reps multiple times. I 'm very aggravated they can just claim I owe this then turn me in for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I think I disputed account but not 100 % sure. I do know that I never received any communication from collection agency ( certigy ). I did receive communictions from a different collection agency asking for payment on XXXX returned checks from XXXX which I paid XXXX 2013. Certegy is reporting that the account is open and that I have XXXX late pays. Certigy should be reporting acct closed and no late pays. I never set up any payment plan with Certigy or first collection agency that was assigned my account. I also requested validation and received no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: DISCOVER BANK
State: MA
Product: Credit card
Issue: Rewards

Complaint:
Currently Discover Credit card is running a promotion. Customers who use XXXX with discover card can earn a 10 % cashback on all eligible purchases. The exact terms and conditions are " Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX/XXXX/15. Excludes gift card purchases. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within XXXX billing periods. See Cashback Bonus Program Terms and Conditions for more information. '' I have made some normal purchases through discover with apple pay. However, I have received emails saying that your XXXX purchase on XXXX for $ XXXX at XXXX included a gift card. The gift card portion of your purchase does not qualify for the 10 % Cashback Bonus ( R ) promotion. 

As a reminder, now through XXXX XXXX, 2015, you 'll earn an extra 10 % Cashback Bonus ( R ) on up to {$10000.00} in purchases when you shop in stores and use your Discover card with XXXX, excluding gift card purchases. 

If you disagree with our finding and contend that your purchase did not include a gift card or a portion of your purchase qualifies per the terms of the promotion, let us know with supporting documentation in the next 21 days. Documentation can include store receipts or invoices, but can not include your Discover card statement. You can send documentation via email : Scan and then e-mail to XXXXXXXXXXXX My purchase did not include any gift card. And I am required to provide evidence for that. However, under the terms and conditions for XXXX Cash Back, it is not stated anywhere that customers are required to keep receipts in case discover suspects it is gift card purchase. Hence, I did not keep any of my receipts associated with apple pay purchase. And I have nothing I can show to Discover. Moreoever, I feel that, Discover is violating their own terms and conditions by asking customers for receipts, because they did not ask customers to keep the receipts in the first place. Moreover, the voices that I have heard over the Internet suggests that Discover is just randomly flagging purchases of large amounts as gift cards, and request consumers to provide receipts in order to honor the cashback. This is extremely unfair to the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: GEORGE MASON MORTGAGE, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We closed on XXXX/XXXX/15 with George Mason Mortgage, prior to closing we were all aware flood insurance wood be required for the property at that time. I asked for everything related to the payments to make sure all insurances were covered. The lender shopped and provided the flood insurance company, they included the premium in the closing disclosure as well as the monthly cost. XX/XX/XXXX I started looking through the insurances that protect my home, I noticed I did not have proof of coverage for the flood insurance. I called the insurance company that would provide the coverage per the closing disclosure, I was informed I had no coverage because payments were not made. I contacted my lender and asked why the payments were not made, they stated the settlement company was holding the funds. The settlement company stated they never received such funds. The lender finally accepted they failed to send payments and also stated they did not include this amount in the escrow. XXXX I received a new closing disclosure with a higher amount for the flood insurance. As of today, I still do n't have the insurance coverage that was supposedly already paid. Per emails from the lender, I am being asked to sign the new closing disclosure with the date from the original closing. The premium payment for the insurance and the certificate have been lost to the lender since they have n't paid for the policy nor refunded them back to me. I am also being instructed to commit fraud by using a false date on a document because they are having trouble selling the loan.

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 2021-11-25
Company: EQUIFAX, INC.
State: MS
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I have identified several " hard inquiries '' on my Equifax Consumer Credit Report that were unauthorized, or that I do not recognized. These inquiries were already disputed with Equifax over XXXX ( XXXX ) months ago. However, it appears that Equifax failed to process my dispute and/or respond to my inquiry. The inquiries in question are : EQUIFAX MORTGAGE XXXX ( XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX  ( XX/XX/XXXX ; Unrecognized ), EQUIFAX MORTGAGE XXXX ( XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX XXXX XX/XX/XXXX ; Unrecognized and duplicative [ two occurred on the same day ] ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ). Equifax only had thirty ( 30 ) calendar day as per the FCRA to process my dispute. Equifax is currently in violation of federal law and must rectify the situation immediately. The removal of the disputed inquiries would be sufficient to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My client needed to request a loan modification after the death of her husband. We called the servicer together to get the appropriate package and submission instructions. 
XX/XX/<YYYY>Package was submitted via emailXX/XX/2015, a follow up email sent with copy of package attachedXX/XX/2015-Phoned servicer-Rep stated they had no TPA-NOTE TPA is Page XXXX of PackageXX/XX/2015-Emailed package a XXXX timeXX/XX/2015-Servicer still states no TPA-Pulled TPA, scanned individually and emailedTo date, no acknowledgement of TPA from servicer. They do however keep sending my client information telling her to contact a HUD approved counseling agency ... ( Which I work for!! ) Client states that she is not able to speak with a rep at servicer either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX home service was to install service in my apartment at that time, they installed service in the downstairs apartment, which was not mine and charged me for installation and fist months service fee 's and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: Ceannate
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
At approximately XXXX on XXXX XXXX, 2016, an agent of FMS called me ( http : //www.fmsdc.com/ ). They said I was listed as a reference for a family member and needed my family member 's contact information. They said my family member gave them my contact information ( misrepresentation # 1 ). I asked if they were a collection agency and they refuse to confirm nor deny ( misrepresentation # 2 ). I asked to speak to a manager and I was told the manager 's name was XXXX XXXX. They gave me their mailing address which was different from their website address. According to the Fair Debt Collection Practices Act, FMS clearly had the intention to misrepresent to me they were an agency hiring my family member. When asked point blank if they were a collection agency they would not affirm. Their website is clearly a debt collection agency. This is not the first time the agency has called me requesting information. Additionaly, to note, I researched the company and the Former Governor of Maine, XXXX XXXX, has an interest in the parent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
These need to be removed from my equifax credit report. I have already disputed them multiple times and they keep coming back up, causing me to have to re dispute them again. I am a victim of fraud and identity. This account and inquires are fraudulent and they are not mine. 

Item disputed XXXX - XXXX XXXX  XXXX Issue type Account ownership and fraud issues Issue I believe I am a victim of fraud or identity theft and this account was fraudulently opened in my name. 
Item disputed XXXX XXXX XXXX XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX XXXX I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Maury Cobb, Attorney at Law, LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter stating that my account was placed with this office for a balance of XXXX from a XXXX bill that was paid when I transferred to XXXX, this bill has been placed with XXXX This is the 3rd collection company this paid bill has been placed with, I want them to stop calling my phone and please verify this debt I have a printed bill from my American Express account showing that this bill was paid in full. I had my wife to contact them and to verify is this was an actual law office because if not they are acting under false pretenses that this is an actual law office

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXXXXXX 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 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 2021-11-25
Company: EQUIFAX, INC.
State: DE
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have been trying to receive my credit report and credit score for the past two years and all I receive is statements saying I am not the person or incorrect information. I have been denied my report from all XXXX credit bureaus and am confused on why.I have had my drivers license suspended and other issues I have reported and everyone does n't believe I am me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Fresh out of high school I wanted to be someone successful. I went into XXXX College to get some info in classes that were available, I get told that if i sign up for school I can get a job guaranteed. So I fell for it and signed up, when I signed up I had to have a second signature and they told me to have any other adult sign. So I got the paperwork signed, enrolled, started classes to become a XXXX. After graduation I applied for jobs and nothing. I applied for the XXXX with a year waiting list and nothing. Places I applied for told me they could not hire me do to not having experience. I then applied for a position in the XXXX again with another year waiting list and nothing. So, now I 'm here stuck with a student loan that just keep accumulating interest. At the time I signed up with XXXX College to become a XXXX, I did n't understand Interest rates and how much this whole thing was going to cost, I just understood that i would be guaranteed a job.

Company response to consumer: Closed with explanation