BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bayview Loan Servicing , LLC took over my loan from XXXX XXXX XXXX, after the Federal Government found XXXX XXXX XXXX guilty of improper mortgage modification and I was awarded {$2000.00} dollars and they were to complete trial modification. They did n't, they sold it to Bayview. Bayview has delayed, denied, stalled the loan modification for years now and continues to say they either did n't get requested documents, when I have proof of delivery or they just deny it outright ; telling me they represent the investors not the mortgage holder. This is criminal. They improperly send notices through their attorney prior to even sending decisions trying to foreclose, even during my XXXX and especially on Holidays hoping I was not home. They need to be reprimanded and fined for not following federal guidelines just at XXXX XXXX XXXX was.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Affiliated Collection Services, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am attempting to pay off the last payment of a payment arrangement on my daughter 's medical bill, and the debt collector insists on receiving my date of birth before processing the payment. They then called my cell on the weekend outside of regular business hours. I refuse to give them my identity information and should not be receiving calls on weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: IL
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:
I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were inaccurate items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$20000.00} ; DEPT OF ED/XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX  XXXX Balance : {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have requested a method of validation on an account multiple times since XXXX of 2016 for my account from this debt collector. The account is from the debt collection " XXXX ''. This account has been PAID and agreed to be deleted. It has been deleted from both my XXXX and XXXX reports. Equifax keeps denying me the deletion of this item. I even requested validation and every single time they have never responded or sent me any information about the account because I know that they truly dont have any and cant validate it. I asked all three credit bureaus to verify with XXXX so that it could be removed from my account due to being paid in full as agreed. I have made multiple attempt through equifax and they ignore all these attempts and do n't verify data. Even though my proof of payment and deletion are there they wont delete this account. I want it resolved as soon as possible. And please dont come on here saying that you all called, or that you sent me a letter in the mail on some previous date because thats a lie and I never received anything from you about this account and I have been receiving my mail from the other creditors and the XXXX bureaus just fine. I asked Equifax , XXXX and XXXX over 3 times to do this for me and both XXXX and XXXX agreed. Equifax needs to take care of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I paid the law firm of XXXX Over {$4000.00} to represent me with my Lender Seterus for a Loan Modification this started in XX/XX/XXXX. For the last 3-4 months there has very little if any communication I have not received any written info It has all been verbal with promises that we will call you back which does not happen ..I then read that this company is a fraud .Seterus will not talk to me as they say you have a attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed the 'date of first delinquency ' with Equifax . They completed their investigation but did not address the issue I disputed ( they responded stating that the balance, close date and date of last activity was correct when I specifically disputed the DATE of FIRST DELINQUENCY ). I called the creditor to confirm the correct date and re-disputed with Equifax ( XXXX ) and provided all the contact information of the person that I spoke to at the creditor. They have already completed the investigation and did still did not address the issue that I have disputed. I am including copies of the letters that I have sent them during the dispute process. Equifax failed to properly investigate this information and is continuing to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have requested that all inquiries on my credit report be investigated as I have not applied for credit int he last 2 years, they refused to investigate and told me its just a record. These inquiries are hurting my credit score and I never gave authorization for anyone to request my credit. Furthermore I would like the inquiries deleted if they are not able to investigate this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I mailed Experian a letter since XXXX XXXX, 2015 and till this date they have not responded back. I followed up with a XXXX later dated XXXX XXXX, 2015 and they have also failed to respond.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I bankruptcy was dismissed in XXXX 2010. Would like for this to be removed from my Credit Report. I have been trying to rebuild my credit for the last 5 years and this is impacting my Credit Score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a chapter XXXX Bankruptcy on my credit bureau that does not belong to me. I have disputed the incorrect information several times and each time the credit bureau responds that it is verified. How can they verify something that is not correct? Apparently the law does not state how they are allowed to verify a bankruptcy and because the court does not verify they can use any 3rd party service they want to so called verify it. This is according to the credit bureau themselves, so not that they care its wrong as long as they verify it from some hack third party verification service that has it wrong. This misinformation has haunted my credit bureau for almost 7 years and I cant believe that a credit bureau has this much power and makes it so hard to get incorrect information off a report. The law needs to change and bureaus held accountable.

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 2016-08-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Experian has fail to provide me with results of my dispute that I have initiated since last year on accounts that collections companies have fail to provide with proper documentation, accounts closed and recent payments have been posted, wrong personal information that I have disputed and Experian has send notices that they will not delete.

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 2016-10-27
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and I have received a fraud alert in regards to the unauthorized and fraudulent credit inquiries listed on my Experian credit report. The following credit inquiries are unauthorized and fraudulent : 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 Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX Company 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 2016-07-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested my report from Experian using XXXX. They requested verification of identity. I was surprised since I had provided proof of identity when I last request an annual report from Experian in 2013, and my address has n't changed since. Nevertheless, I printed the request form and attached copies of my driver 's license and a recent bank statement with my address. 3 weeks later I have received a letter stating that Experian is unable to honor my request because the information I provided was either insufficient or illegible. Experian provides no way of disputing that assessment or providing further information - only of purchasing their products. I believe that Experian is deliberately and systematically raising barriers for people wishing to obtain free credit reports in order to promote their paid products by making them comparatively hassle-free. Dealing with Experian is dramatically more frustrating than either XXXX or XXXX. I believe the CFPB should crack down on Experian 's abuses to protect all the consumers that give in rather than deal with all the aggravation. 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 non-monetary relief
Consumer complaint received 2017-08-15
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Refused to cash a check made out to nickname because according to them nickname is none-XXXX nickname while my real name is an
XXXX name in a foreign language. I provided proof with university documentation that lists both names as well as utility bill for the past year which were billed under my nickname, but they rejected documents. When asked about common nicknames, they suggest that " normal '' name variations would not be scrutinized.

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 2016-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have requested my credit report many times and Equifax does not comply with my request. I mailed it identification information but still no response. Third parties are being able to see my personal information because Equifax has my information mixed with that of another person. Ca n't get my mortage loan approved because Equifax is reporting the wrong information. This issue has been on going for more than two years. My information dkeeps being mixed with someone else 's

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Seterus, Inc.
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I requested my payoff on my mortgage with Seterus inc . They will not give me the payoff on my loan. I told them I had sold my house and needed it. They said it would 48 hrs then next time I called them they said it would take 7-10 days. Then I called them again told them it was urgent and needed my payoff and that I was closing in 2 days. They told me this time it would take 3-5 days. I am having a very hard time just getting my payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus - loan servicer - generates Account Statement before loan payment is taken ( automatically debited from checking account by Lender ). 

Account Statement show loan as past due each month and if loan is not being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Paid extra fees to avoid giving green tree servicing direct debit ability. Had to hire a lawyer to avoid foreclosure action while my loan modification request was being delayed by them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-27
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a notice from Seterus regarding my monthly payment and I paid the amount that Seterus told me I owed, then my interest rate on my harp loan was increased, which increased my monthly payment when I became aware of the situation I contacted Seterus and was told that one of my payments went towards paying fees, I was also assured that Seterus had discovered the mistake and it was going to be taken care of and the payment I made would be put towards my monthly payment, I also made an additional payment to take care of the increase in my interest rate, a couple of weeks ago I discovered that Seterus did n't put my payment towards my mortgage but kept them as fees which left me a month behind, so I contacted Seterus and was told that I had to fax my request because the initial request could n't be processed in house, so I faxed my request as instructed and just received a letter from Seterus which looks like a veiled threat to repossess, I also do n't know how much fees were added to my account because of the confusion by representatives of Seterus, at no point was I ever contacted by Seterus or was giving an opportunity to rectify the situation when I first contacted Seterus, in fact, I have been assured repeatedly by representatives of Seterus that the problem was their fault and could be rectified without any issues

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a letter XXXX XXXX, 2016 asking for an investigation into what I believe are mistakes on my credit report things I do not recall or recognize. It has been 2 months and they have not responded to me. I read on the Internet that they were supposed to answer in 30 days, so now I am very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax deliberately negligently rubber stamped previous complaints against XXXX XXXX without investigating the facts. XXXX XXXX who was also complained to regarding the same situation came back and indeed confirmed that they were wrong on one of the 2 payments. They also negligently again indicated that another payment which was received on the XXXX of the month they would not correct and incorrectly changed the due date of the payment. The third payment that was contested was received on the date they had on their bill the XXXX due date. From the letter received from XXXX XXXX it was stated on the letter dated XXXX XXXX XXXX that they would notify the Credit bureaus promptly about fixing the misreported payment of XX/XX/XXXX As of this date XX/XX/XXXX Equifax has not corrected their credit report. which leads to the conclusion that either XXXX XXXX is not telling the truth or Equifax is not responding appropriately. This was not the first time Equifax was alerted or contested that their credit report was wrong rather it is more than 5 times including this complaint. XXXX XXXX was written as well requesting copies of the letters or reporting to Equifax and the other credit bureaus as well as contesting the appropriate due date. Both Equifax and XXXX XXXX should get their act together and do their job of reporting accurately. XXXX letters of the response from XXXX XXXX and the letter contesting their response is attached. The original statements and proof were attached in the previous complaint. I also alerted XXXX agencies that since my wife XXXX XXXX is jointly on this mortgage XXXX equity credit loan XXXX that they should have fixed hers as well. Once again as of this date XX/XX/XXXX it is not corrected..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX ( " XXXX '' ) dispute ( not default ) Received letter dated XXXX XXXX 2011 stating all XXXX lease payments paid for term of lease matured. However, the XXXX online system indicated XXXX payments due. Substantial correspondence file in this regard including a number of letters to XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My name is XXXX XXXX I have had an ongoing dispute with equifax for a judgement on my credit report case # XXXX that does not belong to me. I have provided certified documentation from circuit court of the state of Oregon for the county of XXXX proving this case number belongs to some one else ( XXXX XXXX ). However upon multiple contacts with supervisors at equifax they are refusing to remove this item from my report, they are advising me that they have investigated and that this case number belongs to me. They also advised me to contact the court as they have made this error. I have done this several times and the court has advised the case number in question in fact does not belong to me and equifax should remove it from my credit report. I sent the same documentation to XXXX and XXXX both removed the judgement without question. Today I again spoke with the court clerk and they referred me to you for assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a release of IRS and Minnesota Revenue tax debt by filling out innocent spouse forms and this debt was from my ex husbands business in which I just signed the tax returns at the end of the year. His business was never in my name. I believe the tax debts that were released from me should not be on my credit report at all being that it was never my debt and the IRS and Minnesota Revenue released me from these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We send seterus a check # XXXX for amount of {$660.00} on XX/XX/2015 seterus mentioned on their monthly statements checks received after XX/XX/2015 will have a late fee added on to, for sure they received the check before XX/XX/2015 but they waited until XX/XX/2015 to cash it so they can add a {$10.00} late fee to it and this was not the first time seterus has done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I attempted to obtain a credit report from Equifax ; however, I could not due to Equifax not being able to verify my identity. When applying for the report, I was presented a list of identification questions concerning previous addresses that I have never resided, a middle name not belonging to me, and a mortgage that I have never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My Equifax credit report claims that XXXX XXXX XXXX conducted a hard credit inquiry on my account on XXXX/XXXX/14. I checked with XXXX XXXX XXXX. They have notified me in writing and by phone XXXX, that I have not initiated any action that would result in a hard credit check, that they have not conducted the alleged credit check on my account, and that all that their records show is that my mortgage payment was reported to Equifax as being current. Therefore Equifax has erroneously placed this alleged XXXX XXXX XXXX hard credit check on my credit report.

Company response to consumer: Closed with explanation