BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: SC
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-02-22
Company: EQUIFAX, INC.
State: NY
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 am writing in reference to the 30 day late payment marks of XX/XX/XXXX - that XXXX XXXX XXXX supplied to the 3 national credit bureaus XXXX, Equifax and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to XXXX XXXX XXXX  dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted XXXX XXXX XXXX via phone but to no avail. Finally on XX/XX/XXXX XXXX XXXX XXXX acknowledged receipt of payment but they only posted it as a payment received on that date. 

On XX/XX/XXXX I sent a letter with certified mail to XXXX XXXX XXXX requesting them to correct the erroneous reporting. ( See attached my letter to XXXX XXXX XXXX  ) On XX/XX/XXXX XXXX XXXX XXXX sent me back a canned letter declining to make any changes. ( See attached the letter from XXXX XXXX XXXX ) On XX/XX/XXXX I disputed this late payment mark with XXXX but they seemingly only forwarded my dispute to XXXX XXXX XXXX. On XX/XX/XXXX I got a response from XXXX that XXXX XXXX XXXX once again refused to update my report. ( See attached dispute response from XXXX ) Attachment Summary : 1 ) Copy of my 3 bureaus credit reports circled the erroneous reporting 2 ) Copy of dated check sent for payment 3 ) Copy of Postal Receipt 4 ) Copy of my letter to XXXX XXXX XXXX  5 ) Copy of the response letter from XXXX XXXX XXXX 6 ) Copy of response letter from XXXX On XX/XX/XXXX I got a response from XXXX XXXX XXXX thru the CFPB- with incorrect reasoning of why they wont remove the derogatory reporting ( Completely disregarding the Date stamped Postage Etc. ) The letter was signed by " XXXX - Consumer Experience Advocate '', with his direct cell phone number XXXX.- where I can call about this complaint, but when I called the phone number XXXX the voice mail says that affective XX/XX/XXXX he no longer works with this division at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 had sent letters to the credit bureaus on XX/XX/2019 asking for them to help me with these issues and they refuses to dispute these items properly or even answer to my letters in a proper amount of time.

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 2020-01-15
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I received a letter from XXXX XXXX XXXX. that Ditech my mortgage was going to foreclose on my property. I called Ditech on the XXXX on why they were going to foreclose on my property they said that I went over 120 days and they are going to foreclose I told them that I did not go over 120 days and they said I did .I told them that I was three mo behind not four she said I did not make XXXX payment I told her I did. I called in to make my payment and Ditech is so pose to be open on Sunday I calld on XX/XX/XXXX and they said that they were closed I called XXXX XXXX and made the payment that way.when I called on XX/XX/XXXX to see if they received my payment they said that they did on the XXXX th. I called XXXX XXXX and they said they payed Ditech on the XXXX of XXXX. I called Ditech with the info and they said they would get back to me when they found my payment.They found my payment but they would not let me make The XXXX payment to they cleared it up.They also were to fix my credit report and take care of the fees because it was there fault.After numeris calls they took care of the fees. but did not clear up my credit report and it did cause problems with my credit. Ditech sold my Mortage to XXXX XXXX and XXXX XXXX said I owe them XXXX for the Attorneys fees and some outer fees.I have a statment that says I do not owe Ditech any money.I am A senior citizen and a XXXX veteran I should not have to go through this with mortgage companys.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-15
Company: Ability Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Ability recovery services, has repeatedly called myself, family, and my mother and father in law about a very old debt. they have threatened saying that i will be in severe legal trouble if i do not call them or pay back this debt. i do not even know how they got my in laws numbers. but they call and harass at all times of the day and night. it is getting stressful and harassing at this point. They call from many different numbers, so it doesnt matter how many times i block a number they just call from a new one. and then when i try to call back the number it is some random person who answers, it is like their cell phone or landline. so it is like ability recovery services is rerouting their calls through other peoples phone numbers. the most recent call was today from ( XXXX ) XXXX at XXXX XXXX. 
yesterday XX/XX/20 calls from XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX and this one calls the most ( XXXX ) XXXX i get a call from that number almost on a daily basis.

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 2016-07-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On XXXX XXXX, 2016 I attempted to request my free credit report for Equifax from the online web site XXXX. When I submitted the request, the web site directed me to the " Annual Credit Report Request Form '' and instructed me to complete and submit the form. I did so on the same day and mailed it to the address indicated. That form stated it would be processed within 15 days. Since I never heard anything, on XXXX XXXX, 2016 I submitted the request via the telephone. Again, I have received no response. I would have gladly called to follow up but there does not appear to be a customer service phone number which allows you to actually talk to a human being or even leave a message. Since no one will respond, I am at a loss as to what to do next. Please advise. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Financial Credit Service, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
At XXXX XXXX eastern time this morning I received a call from a number I did not know. Upon answering the phone, a lady who identified herself as XXXX XXXX from ARA ( Asset Recovery Associates ) proceeded to tell me that I owed $ XXXX to XXXX and that she had received this claim in her office today. She stated that her office is in the process of filing a judgement against me for the amount they claim I owe. She informed me she was calling on a recorded line. When I told her : 1. I do not owe the money, and 2. Even if I did, it is time-barred. When I started writing down her information, she stated that her company offered me a settlement of $ XXXX and that I did not respond and now I am responsible for the entire $ XXXX. She was very aggressive and argumentative. 

When I asked if she would call back so I could also record the call, she said no. In the end of the conversation, she refused to give me the company address. I told her not to contact me again. She kept talking over me and said that if I paid my debts on time, they would n't have to call me. I told her that they can not contact me again once I have instructed them not to do so and if they do, it is a $ XXXX fine per call. She just kept talking over me. 

I told her to file the judgement against me and I will see her in court. At that point, she said I would n't be seeing her. I said I would see someone as what they are doing is illegal! She then hung up on me. 

A few minutes later ( at XXXX ), I phoned the company and asked for the lady. She came on the line and I told her that I was recording the call. She started shouting that it is illegal for me to record her without her permission ( it is not, I am in GA which is a XXXX party consent state ). I kept asking for their address - she just kept yelling that I did not have her permission to record her. I told her that I can record because I am in a XXXX party consent state. She would not give the company address and hung up on me again. 

This all stems from an alleged debt incurred more than 15 years ago!!!!!! This debt has been sold numerous times and I go through this frustration every single time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello XX/XX/2022, a friend of my moms posted on XXXX they were moving and selling items. XXXX was a XXXX XXXX XXXX. My mom messaged her for price, she responded. We discussed a {$1000.00} deposit to hold it until we saw it and paid the rest. Really thought nothing of it as she is a friend of my moms from her old job. Well sent it to her cousins account as she was taking care if it and almost immediately after sending money I felt this is not a friend of my moms she must of been hacked. Tried to cancel payment as it was done by a zelle account but it already went through. Absolutely amazing how quick they work as I really thought it was someone we knew. Sad part is it was my savings account and I am XXXX so it took awhile to save it. Is there anything we can do to get something back from Zelle or XXXX XXXX XXXX? We are reporting to bank as well. Just so sad. Please advise if anything I can do on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am summiting this complaint for the reason that Freedom Mortgage has not giving me a decision. I summited an appeal since XX/XX/2016 and I have called many times Freedom Mortgage for an update and they just keep telling me that they are waiting on a ( Tittle search ). I am afraid I wo n't be provided a government modification do to them prolonging my case. I had to challenge them with my appeal because they were not using all my income and also the expenses they had were wrong. I am in desperate need of assistance, I need to know what Freedom Mortgage intentions are, if they are really helping me so I can keep my house with an affordable mortgage payment. Due to my house is severely under water. Or if they are purposely prolonging my case because at the end of this year all government modifications will be over.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

To Transunion Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: EQUIFAX, INC.
State: CA
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:
Equifax doesn't remove " collection account # : XXXX ''. This incident might be related to a bill on XX/XX/2018 from a medical center that I have paid the bill in 6 month interval. By the law, " If an unpaid medical bill goes into collections, the collection agency must notify the consumer that the account was placed in collections. The consumer then has 180 DAYS ( SIX MONTHS ) from the notification to pay the account before Equifax is ALLOWED to report it to my credit history. Additionally, once a medical collection has been paid, the medical debt must be removed from the consumers credit report within 45 days ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
The original charges of {$90.00} and {$41.00} were charged by XXXX for monitoring. In XX/XX/XXXX I had contacted the XXXX in Arizona to complain about a new security alarm system not working and not being able to make contact for technical service. They have not responded to XXXX. Therefore, XX/XX/XXXX I called the dispute dept. at 53 Bank to register a dispute against XXXX 's monitoring charges of {$90.00} and {$41.00}. Fifth Third Bank issued late payment and interest charges of XXXX against my account on XX/XX/XXXX after I had called disputing the charges. Debits of {$90.00} and {$41.00} were issued on XX/XX/XXXX but the late payment fee and interest remained on my account. I called again concerning the late payment and interest and the dispute dept. told me that they will remain on my account until the issue was resolved and I would either have to pay or they would be removed after the dispute was settled which would take up to 90 days. I asked them why they did n't remove the late payment and interest charges also because I am receiving collection calls on something I am disputing. They told me not to be concerned that my account was documented on the disputes. I am still receiving numerous calls from collection agent on paying this late fee and interest. I told them that I was not paying for any charges that were not justified. I continue to get collection calls and another late payment charge on a balance that was a late payment charge for items in dispute. When I called today they were wanting to switch me back and forth to explain their procedures. My complaint is on their procedure of not removing the late and interest charges until the disputed matter is resolved. To me they are gouging their customers. It took them almost a month to remove the charges from my account and then they want to charge me excessively for late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX HAS COVERED UP AND ASSISTED IN NUMEROUS COUNTS OF LOAN FRAUD. XXXX AND FREEDOM MORTGAGE ARE ALSO GUILTY OF ILLEGAL LOAN ORIGINATION, EMBEZZLEMENT, CONSUMER FRAUD AND MORE. 

IN AN ABSURD CLAIM OF LEGAL INTERPRETATION, INTENTIONAL FRAUD IS WRITTEN OFF AS ACCIDENTS AND THE CONSUMER IS RIPPED OFF WITHOUT RECOURSE INTERNALLY. EVEN MORE BIZARRE, FRAUDULENT LOANS ARE NOW VALID BECAUSE THEY SOLD IT ... ILLEGALLY. 

ATTACHED IS A SETTLEMENT OFFER TO END THIS DISPUTE ONCE AND FOR ALL

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 2020-01-15
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had been using XXXX XXXX insurance for my home and autos, for several years. My insurance renewal date has been XX/XX/XXXX, of each year. My total annual bill has been around {$2000.00} up until the summer of XXXX ; when XXXX XXXX  sent me a bill for over {$4000.00}. I called several XXXX agents and was able to get this XXXX XXXX error fixed and my XXXX bill was dropped back down to around {$2000.00}. In the summer of XXXX, I started getting notices, from XXXX XXXX, stating that my next bill would be around {$3700.00} to {$3900.00}. I called XXXX XXXX and complained about their price jump attempt and also complained about XXXX XXXX attempt to over value my Home, the Contents and Auto values in order to collect high payments from me, and I told them that their offer was unacceptable. I also called a XXXX XXXX Corporate number and explained the over charging problem and they offered to reduce my new bill about {$100.00}. I confirmed that they couldn't do any better. I then conducted a search of other Insurance companies and found that I could get coverage from XXXX Insurance for close to {$2000.00} and that coverage was roughly four times better than XXXX XXXX 's offer. I signed up with XXXX Insurance and have recently confirmed that XXXX has two signed and stamped letters confirming XXXX 's coverage to XXXX XXXX. These are dated XX/XX/XXXX. Since late XX/XX/XXXX through XX/XX/XXXX I have been receiving a continuous stream of email bills from XXXX XXXX ; that range from {$3700.00}. down to {$450.00}. plus. I have responded to each and every one of these ; but they never responded back with apologies for their harassments. On XX/XX/XXXX I received a collection notice for {$420.00} form a collection agency named CREDIT COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, Ma XXXX ). I called CCS that morning and spoke to a woman, who refused to listen to me. I explained that this was a scam by XXXX  XXXX and that CCS was an accomplice in this scam for sending me this collection notice without obtaining any data on this attempted collection, and that they and XXXX XXXX would be held responsible for all of the harassments and charged for time spent by me, to correct this scam. Today I also received an email from XXXX stating that had just been a negative change to my Credit Rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
ISSUE : Beware of automated payments from Bank of America 's phone system. I input my checking routing and checking account numbers from the bottom of my check. The system somehow tried to use the routing number and the debit card number rather than the checking number to access my {$200.00} payment. The account was closed without my knowing it. I called when I realized the payment hadn't cleared the bank and made a {$200.00} payment with my debit card over the phone with a live Bank of America agent. She took the payment and it cleared my bank. I was also notified that the account had been closed. I feel that the bank should have called to clarify the problem before closing the card. Especially since the payment didn't clear I feel due to a glitch in their automated payment. 

I feel that they penalized me for the error in the phone system. They said that I input the routing number and debit card number. I don't know how I could have done that when I held the check in my hand and used the numbers from the bottom of the check. So the automated payment system tried three times with the incorrect information. Each time the payment money was in my bank. I am trying to get out of credit card debt and not use the cards, so in a way, since this card is now closed, I am motivated to pay it off, another {$370.00} and be done with it and never do business with Bank of America again.

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