BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: VA
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 sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in forbearance as of XX/XX/2020. I made my monthly escrow payments as I was told or after forbearance I would be responsible for them. I just got out of forbearance and I am being told I am XXXX short in my escrow because 3 of my escrow payments in XXXX XXXX and XXXX of this year were applied as a payment and not to my escrow. They want the shortage in full or increase my mortgage XXXX a mth which I cant afford. Besides I did what I was supposed to do. Mr cooper screwed up. They will not reverse the payment and put the money back in my escrow. Called XXXX XXXX my loan holder and they have opened a ticket to see if the can assist me. So upset

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Core Advisory Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our house was going to be sold at a foreclosure auction. The deception was a XXXX violation. This form is actually a " resubmittal '' from a previous submission. I was advised to factor in all of the monies I am out related to this. My husband and I hired the Core Advisory Group, we paid {$1900.00} up front plus a {$160.00} notary fee separately to US Signings who happens to be the same owner of Core Advisory Group, XXXX XXXX so he milked us on top of the regular fees to add his separate notary fees. In addition to these fees, we also paid {$68.00} for documents to be sent same day to three different entities ( {$22.00} XXXX ), {$150.00} to a paralegal to draw up paperwork for a bankruptcy petition, and {$77.00} for the filing of this petition. There was no mention of additional fees for sending mail and filing a bankruptcy petition ( we were blindsided by this ) and the fee for the paralegal was also deceptive to my understanding as we filed under pro se status. We were given legal advice and instructed to file a chapter XXXX by this paralegal when only a licensed attorney is allow to provide legal advice so that is another violation to the bankruptcy code of conduct. The bulk of the money was paid via check although the paralegal requested I put money directly into her account ( which was actually her daughter 's account because the bank she uses " does not have a branch in your area '' ) and the bankruptcy court would only accept a cashier 's check or money order as payment. The fee for mailing the documents was paid via debit card at the USPS station. This company does not follow the laws & regulations and uses deceptive marketing and sales tactics to lure people like us in. If necessary I have all receipts or documentation for money paid if needed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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 received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Credit card
Issue: Delinquent account

Complaint:
I had a credit card with USAA then they cancelled it. Acct no. XXXX was wondering what happened. Then I received a letter from Office of Personnel Management that my Identity had been breached, I have tried to contact them directly and through the Credit Bureau, But they say I owe some XXXX .... This is redicoulous

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company DEPT OF ED / NELNET XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are DEPT OF ED / NELNET the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX purchased account # XXXX from Syncb/Dillards XXXX XXXX XXXX XXXX FL XXXX, which was opened XXXX XXXX and first reported to the Credit Bureau oh XXXX XXXX. XXXX XXXX changed my Date Opened to XXXX XXXX and First Report date to XXXX XXXX. I filed XXXX disputes with the Credit Bureau and they failed to properly investigate this matter, I called XXXX spoke with XXXX XXXX employee # XXXX tried to explain to him they are reporting incorrect information to the credit bureau ( the date open is incorrect, last balance is incorrect ) and I would like to have this inaccurate account removed from my credit report, he said he had no way of removing the account and the only solution he offered was to reopen the account to collect more money from me. I would like a investigation done on my behalf because the credit bureau is not do their job in fully verifying the information is

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 2016-12-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Other financial service
Sub-product: Check cashing
Issue: Disclosures

Complaint:
Centegy has on multipal occasions denied my payroll checks from being cashed from many different companys. my payroll checks have been denied over and over again on every pay period. I believe in being profiled for some reason I do not know. I have call to find out the reason why and was told that it was an algorithm that denied it and that the company has no control over it. also stated was that only 1 % to 2.5 % of the millions of checks cashed daily get declined. all of the payroll checks gone through there services recently have been declined. I have never wrote a personal. Check so why is this happening to me.

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 2021-11-24
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1.I have never had an account with this company I.C. SYSTEM, INC XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are I.C. SYSTEM, INC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2016-02-01
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX XXXX, I received a billing from American Coradius International LLC ( ACL ). The billing is dated XXXX XXXX XXXX. In it, ACL indicates an account " has been placed with our office for collection. '' The creditor is identified as XXXX, XXXX. In the billing, my first name is misspelled. No validation of debt was included. A call to XXXX confirmed that I have no debt with XXXX. My credit report shows no negative report or judgment. While communication from ACL was not electronic, this billing and threat of action resembles phishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Admin Recovery, LLC
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
A collection agency is contacting my Mother, a XXXX year old with health issues. She told them i do not live there yet they continue to call. On one call they told her to relay the message if i do not contact them before XXXX they would be filing a complaint against me. First of all to tell a non spouse that any action is going to be taking against me is against the FDCPA. They were vague as to why a complaint would be filed which frightened her even more to death to the point when she was trying to give me the message she was unable to find the correct words which happens when she is stressed or flustered. They have one opportunity to leave a message after that the number should have been ceased and never called again yet they have made at least XXXX calls to her. This is a debt I am disputing as over the course of 3 years they continued to take the payment out on the wrong date causing me insufficient funds monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Northland Group Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX AND XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: FORD MOTOR CREDIT CO.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I'm sorry you felt this way. You sent a survey and asked for my honest review, and I'm sorry my review offended you. Instead of disciplining your employee, you want to discredit the customer by going after the customer. You should check the quality of the employee that would commit such an egregious act against an individual, and your resolve is to dismiss the customer complaint and report as the customer is at fault for the misfortune that happened at your place of business, and I now will report you to the CFPB or Consumer Financial Protection Bureau. Do you think I'm making this up? Let 's look at the statement of fact. 
I took my car for repair, and I was told that my car incurred an impact that damaged my vehicle based on a Ford technician 's finding. I reported to the insurance since I have full coverage. Ford did a complete full inspection on the car, and no report of engine rod damage was reported. I drove the car to XXXX, and the car seemed to be fined. Since they didn't have the part, I returned to XXXX XXXX and took it to Ford for the car the final repair. When I returned to Ford, I was greeted by a young XXXX guy, not the regular tech I usually reported to. He acts like he doesn't want to get involved in whatever they plan. The young man proceeded to tell me that he had no recollection of me and that all repair was done as far as Ford was concerned. 
I thought the insurance company reneged on their payment. I called the adjuster and was told that For received the money, and when I returned and told them, they got paid, and if they were not repairing, returned the money. That young XXXX employee caught an attitude, so I said that was stealing when you claim to have done the work. I came to Ford expecting a fair and honest assessment from a reputable company, but what I received was what very well could be attempted murder. The vehicle broke down a block away from Ford. The vehicle drive would not engage. Call Ford sent a tow truck and later found the screw on the transmission rod was loose and came off while driving. Why would drive not engage? What conclusion would you come up with? I could have gotten killed if I had been on the highway when it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing took over a loan which I previously had with XXXX XXXX XXXX. I have tried to get a short sale approval on my property with an offer already in place. I've sent them all the docs requested and have tried to follow up to see the decision or status since early XXXX. Each time I call they claim not to have received the docs. When I give them the dates I emailed them, they search and then say they received them. I called today and they tell me my application was withdrawn even though they acknowledge they have the required docs. Now they tell me they will send a letter advising the underwriter that I still want to get an answer as to the short sale and she advises me I will need to resend all the docs again. I've never dealt with a company so inept. One can never speak to the person that reviews the docs only individuals incorrectly reading an out dated request for docs. 
When asked to speak to a supervisor they advise they will need to call me back and they never do. This process is going to cause me to be foreclosed instead of having a lesser effect of a short sale on my credit. My account # is 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 explanation
Consumer complaint received 2020-06-10
Company: CarMax, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reached out to Carmax since XX/XX/2020 about my reduced hours during Covid 19. I was granted 2 extensions however I received negative credit marking with late. I discuss with Carmax about the Cares Act section 4201 and Carmax refused to remove negative markings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation