BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-09
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please note this is NOT A DUPLICATE complaint. It is another complaint on Freedom Mortgage for different violations. 
FM falsely and wrongfully reported me late on mortgage payments to the credit bureaus resulting in a denial of credit to refinance. See copy of email denial below. 
" On XX/XX/2016, at XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : XXXX, Thank-you for your on line application. The information on the application meets the guideline we are required to send a loan estimate. See attachment # 1. Unfortunately we are not able to take your application at this time. Your loan is ineligible due to a 60 day late payment and a 90 day late payment reported on your credit report by Freedom Mortgage within the last 12 months. The 2nd attachment contains your credit score disclosure. On page 2 of the disclosure is information on obtaining a copy of your credit report. We are not able to provide you with any additional information regarding the reason or the status on the reported late payments. You will need to contact your mortgage servicer and discuss this information with them. The information is being reported by XXXX. Before XXXX would be able to proceed with an application there can be no mortgage late payments being reported within the last 12 months on your credit report. I am sorry we are not able to assist you at this time. Thank-you. 
XXXX XXXX Mortgage Consultant XXXX # XXXX XXXX XXXX, MI XXXX XXXXXXXXXXXX Phone XXXX Fax XXXX '' FM has not posted payment on the correct dates and places and has not provided a mortgage balance after each payment is posted. The Monthly statements do not match the loan overview. 
FM has violated the policy on your website for mortgage lenders to follow. 
1. Servicers have to give you a written mortgage statement1 each billing cycle showing : What you owe on the current bill, and how much, if any, will be applied to principal, interest, and escrow. If your mortgage loan has multiple payment options, the statement must show whether the principal balance will increase, decrease, or stay the same for each option listed. 
Payments made since the last statement How previous payments were applied Transaction activity ( including any fees or charges to your account ) 3. Promptly credit your payments. 
Servicers have to give you credit for your full payments as of the day they come in. If you pay only part of what you owe, the servicer may hold your partial payment ( s ) in a special account. But, the servicer must tell you about this on your monthly statement. When that special account collects enough money to make a full payment of principal, interest, and any escrow, the servicer has to credit that payment to your account.

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 2017-03-08
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Complaint XXXX of XXXX with Shellpoint Mortgage. 
Again another account in which a misapplied payment has led to a foreclosure action. 
I would strongly encourage the CFBP to audit Shellpoint Mortgage. I am also getting calls from mortgage clients that have similiar issues. My office is in XXXX Ohio which has a population less then XXXX. This company has very aggressive collection efforts and flawed software and could pose a risk to injure a lot of consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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:
This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX ( Original Creditor : XXXX ILLINOIS XXXX ) XXXX Balance : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continuously calls claiming I owe money to XXXX XXXX XXXX. I have never had a bill with XXXX XXXX XXXX. Refuse to stop calling. Had to block number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this was recently submitted to you through this cfpb complaint system and your previous notes were that you were going to remove the account XXXX from cfpb case number XXXX you stated that you would remove the item from the credit bureaus but it is still reporting on my equifax this needs to be removed asap as this is a fraudulent acount

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A XXXX office enters into an written agreement to accept the insurance payment as complete payment for his groups services. He charged me and my ex wife {$30000.00} for operation and accepted that I will receive what the insurance company pays up to this amount and anything over this amount would go to his office. He has renagged on this written agreement and sent the case for collection to Credit Consulting Services. I provided our contract with the doctor to CSC That should our payment and agreement with the doctor 's office but CSC still keep trying to collect a non existent debt from me and my ex wife.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Support Collectors, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Summit has been informed and acknowledge a bankruptcy case. Summit continues to report the account on credit report as a collection in attempt to collect. Call have been made for the agency to remove account from credit bureau and the refuse causing violation under The XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: PA
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 writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 2017-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I had XXXX Bank of America savings accounts. Both had a XXXX in them, and I really did n't check them very often. I checked XXXX last week because I noticed the balance looked lower than it was before. It turns out that since XX/XX/XXXX, Bank of America had been charging me a $ XXXX monthly maintenance fee. They said to avoid the fee I could have a balance of over {$300.00}. I was annoyed that I was being charged the maintenance fee since XXXX and only just now realized it, but it was n't a big deal to me as long as the fee stopped from now on. Yesterday, I checked the account to find another {$5.00} maintenance fee. This time, I called Bank of America because I did not even want the savings account anyway. I spoke to them, told them it was dishonest to charge this fee without letting me know, and that I wanted to close the accounts and get a credit for the fees since XX/XX/XXXX. The customer service was incredibly nice and helpful, closing the accounts as I requested - but they said only the fee from yesterday could be reversed. I 'm a little annoyed about this and why I was n't informed, but they said they informed me on my statement XX/XX/XXXX that charges would start taking place after XX/XX/XXXX. But first, charges did n't take place until XX/XX/XXXX ( they said there is a 3 month grace period ) ; second, it was on the very last page of a XXXX-page statement ; and finally, I do n't actually read my statement because I do paperless statements so there 's never a reason to do it. To make things worse, they had actually changed my checking account a few months ago and sent me a specific email saying they did that. Why did n't they do the same for the savings account? Customer service implied that the regulations say they have to do that for checking accounts but not savings accounts. That is dishonest and a terrible way to do business.

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 2022-02-01
Company: Experian Information Solutions Inc.
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2022-02-01
Company: EQUIFAX, INC.
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 non-monetary relief
Consumer complaint received 2022-02-01
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX Agreed And Approved 24 Month Finance Recended By XXXX XXXX XXXX Citibank Charged For Non Delivered Items Investigation May Take Up To Six Months Home Depot Credit Card By CitiBank Cancelled Without My Permission Or Request Called Citibank Before Cancellation Multiple Times, They Claim I Dont Have An Account

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 2016-10-18
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Fastunsecured.com submitted my information to the Ability Recover Services, which is a collection agency. They have stated that I owe a total of {$15000.00}. I have never received any monetary value what-so-ever. I have submitted disputes to the credit bureaus and results came back as remaining on my credit report. The collection agency said that I owe {$3000.00} per account. Those accounts are as follows : XXXX XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have had a conversation with XXXX and they do not have any of my information on file, which only makes me think that these are fraudulent claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: NY
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 submitted a letter to the 3 Credit Bureaus to delete these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020, there was a hard inquiry made on my credit report from US SM BUS ADMIN ODA. I am not a small business nor have I ever applied for a small business loan for disaster recovery due to COVID like online sources say this would be for. I followed all directions of Experian and would like this removed as it also impacted my credit report negatively. I have a fraud complaint pending with OIG also for this issue.

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 2015-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion has deleted my whole credit file of 31 years. Their agent told me they found the records & would put it back on file in 3 days. It has been weeks & they have not done soXXXX Transunion XXXX refused to take XXXX 's credit information from XXXX 'S credit rep for XXXX accts I have with them. Only XXXX is reporting my credit info correctly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Medical Data Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt from 2018 was not sent to the correct address. I was only made aware of the debt when I saw it on my credit report which I immediately paid. Even though the debt collector had the address incorrect they would not work with me to delete the debt from my credit report even after I had paid in full. This would not even have been on my credit report had they sent the bill to the correct address. The person I spoke with condescended me and told me the debt was only XXXX dollars and it took me X amount of time to pay only XXXX dollars even after I explained that I did not get it in the mail. She was reluctant to forward me to a supervisor and tried to persuade me not to. Unfortunately the supervisor would not reason with me either even when I confirmed that the debt had not been sent to the correct address. Now this is another hurdle in todays world that i have to face in trying to become a home.

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 2015-08-23
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a pair of shoes from the merchant through a mail ordr catalog, XXXX ) a subsidiary of XXXX. After weraing the shoes twice they fell part literally and I called customer service about the issue and was instructed to return the shoes for a full refund, as of today I have yet to receive my refund. Since I returned the shoes via USPS, this debt is not owed and the merchant owes me a FULL refund. This is an illegal demand for payment and in direct violation of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: MS
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 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. ( i never gave XXXX XXXX permission to furnish an auto account on my consumer report. ) 15 U.S.C 1666B : A creditor may not treat a payment on a open end consumer credit plan as late for any purpose. ( XXXX XXXX has reported several late payments on my XXXX and Equifax consumer report, under an open end consumer credit plan. )

Company response to consumer: Closed with explanation