BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of Identity theft, yet I am having a hard time getting the CRA 's to honor my dispute. My FTC ID Theft Affidavit attached. Please block the Fraudulent accounts listed to the attached, per 605B of the Fair Credit Reporting Act.

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 2023-04-24
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: Account information incorrect

Complaint:
I am trying to buy a house, and there is inaccurate information on my credit report, which is defamation to my character and livelihood. Per the FCRA, Section 623 the accounts that have been charged off should not still be reported as such on my credit report. I have attached the accounts that are reporting incorrectly. 
With these accounts, they are also all reporting multiple different dates of the last activity, which I have highlighted in the attached documentation, there are a total of XXXX accounts that are reporting inaccurate for both of these issues. 

Per 15 U.S.C 1681 there should not be any damages on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: WI
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 was incarcerated for fifteen years and got out and seen someone had lived under my name while I was gone, I reported fraud and identity theft at that time then went to a lawyer because no one would fix the problem, and the lawyer I called advised me to file bankruptcy and that would get these fraudulent items off my credit report but the lawyer was giving me false information just to get me to pay him XXXX XXXX dollars and lied to me because none of the fraud accounts have been removed off my credit report, Ive been fighting this for years and no one seems to care about the facts that I was in federal custody till 2018 and all the accounts were open many years before that year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My XXXX has not been received in the mail and does not appear to be available online either. I need this document to complete my taxes.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: NORTHWEST BANCSHARES INC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Northwest Bank in XX/XX/2023 to get a clarification on the amount owed for my monthly mortgage payment since the amount kept varying with no explanation. The customer service agent said someone would look into it and me call me back to explain. I did not receive an explanation. I contacted Northwest today because at least my last payment was credited incorrectly. And prior payments seem to be credited to principal or interest with no rhyme or reason. I was hung up on and lice chat ended several times today while trying to get answers. This company is unable to explain how my payments are credited. I'm concerned my payments will continue to be mis-applied and my loan will go into default. This is unacceptable.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-24
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my personal and exact information from all 3 bureaus back to them via certified mailing and waiting to receive an update on my credit report to remove all negative and improper information on my credit report using the FCRA law that is illegal to gather my personal information for things that are unrecognized and selling information that arent opened to me actively and unable to apply to future loans and purchases for my FICO and/or credit score via XXXX. Dates from XXXX to XXXX with auto, credit cards, hard inquiries, and late payments inaccuracies are unavailable of receipts from these companies. I need a change of my credit report even as closed with monetary relief should be accounted for with my report status.

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 2018-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company repeatedly calls me before XXXX XXXX They call from different numbers and do not leave a message. I have yet to receive a debt validation notice via the proper channels i.e. Via mail. I have no idea. Why they are calling and harassing me. I have blocke several numbers and then they call from another number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have tried to work with Navient. I am the co-borrower on private student loans. The payments have all been transferred to me. These private loans were discharged in bankruptcy from the original borrower so now they have all been transferred to me-payments of over {$4000.00} per month. I can never repay this with interest rates of 14 %.

If a loan is discharged through bankruptcy then it should be discharged!! Not transferred to me!!

Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: First Financial Resources, Inc.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
First Financial Resource put a collection of {$630.00}. They say it was opened on XXXX XXXX XXXX. They state that the original creditor was XXXX XXXX XXXX i have never contracted them for any service. I have never received a bill or invoice not even a call. I was surprised by this collection on my credit. I called first Financial resource and to my surprised they did not have any information like my address or social security number or even telephone number. The only information they had was my birthday and name and that meant the collection belonged to me. i asked them why they were collecting money from me they insisted that i have pay regardless whether i know or dont know about it or else the collection will continue to reflect on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, Shellpoint Mortgage Servicing sent me a letter asking for proof of hazard insurance on my condo. This was unnecessary since Shellpoint had assumed the mortgage two months earlier and sent me a letter saying I would not need to do or change anything. 

Still, on XX/XX/XXXX, I sent in proof of hazard insurance. A week later, I got another letter asking for the same information. On XXXX/XXXX, I called Shellpoint and the person said I had not provided the dates of the hazard insurance policy. On that same day, I provided that information. 

Despite providing the information that was requested, despite it being unnecessary based on Shellpoint 's prior statements, on XX/XX/XXXX Shellpoint charged my escrow account {$700.00} for hazard insurance on my condo that they had actual knowledge was unnecessary. They had this information for two weeks prior to this fraudulent charge. 

I have spent the past five days, beginning on XX/XX/XXXX, leaving voicemails, chat messages, and emails to Shellpoint but have received no response to get the money back that Shellpoint defrauded me of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Someone has being going to the ER using my name since 2014. 

The police here in Alabama has just arrested the person, i contacted XXXX XXXX  with all the documents they asked me to send in, which was only the Police Report. 
I called in after i submitted the police report and they informed me all of the accounts were closed. 
So i disputed the collection and they keep verifying its accurate, this company is a crook. 
Please have them remove this fraudulent medical collections from my credit report immediately!!!

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 2023-09-02
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting 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:
There are reports on my credit report that were not made or authorized by me. 
On XX/XX/2023 XXXX XXXX XXXX XXXX VA XXXX Contacted XXXX XXXX. Unknown person tried to open a XXXX XXXX On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN 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 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Services called me repeatedly and would not leave a message. When I finally answered the number that kept calling me while I was at work they told me they were trying to collect a debt on a XXXX XXXX XXXX that was repossessed in XXXX. I told them that it was settled a long time ago and later found out that it was past the statute to collect on anyway. It was written off and finalized several years ago. In fact when they called about it I had forgotten about it by this time. It was over 12 years ago when that happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2009 I start my cleaning business and all the utilities under the name of my late husband. I have this advertising at yellow pages phone book cost of {$2500.00} and it happens my late husband died on XX/XX/2009. Everything is falling apart in my end, those time and this bills from XXXX XXXX XXXX phone book almost 9 years tell now sent me this bills every month, amount {$2800.00} and reference numbers XXXX. Its really ruin my credit score I cant have a big loans cuz hurting my credit score. Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am trying to buy a house, and there is inaccurate information on my credit report, which is defamation to my character and livelihood. Per the FCRA, Section 623 the accounts that have been charged off should not still be reported as such on my credit report. I have attached the accounts that are reporting incorrectly.

With these accounts, they are also all reporting multiple different dates of the last activity, which I have highlighted in the attached documentation, there are a total of 5 accounts that are reporting inaccurate for both of these issues.

Per 15 U.S.C 1681 there should not be any damages on 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 explanation
Consumer complaint received 2022-03-28
Company: OneMain Finance Corporation
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
OneMain Financial has failed to honor my numerous opt-out requests from their USPS marketing mailing list. I have requested One Main Financial, verbally, in writing, and through XXXX  complaints, to cease contacting me in any manner, including removing my name and address from their marketing lists. Yet, I have continued to receive loan offfers from them. This has been going on for years. OneMain Financial checks my credit without my knowledge or authorization for the purpose of sending me loan offers in the mail despite being asked to cease contacting me. I will now move to file a complaint with the Indiana Attorney General 's Office. Next step will be legal action from my attorneys at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Spoke with XXXX at the Synchrony Bank customer service XX/XX/XXXX At About XXXX XXXX  and asked why I had a returned payment for an old bank account I had removed from my auto pay. She stated she did not have access to that information and transferred me to a supervisor named XXXX. 

I asked XXXX XX/XX/XXXX at about XXXX XXXX the same question to why funds were pulled from an account no longer associated with payments. She confirmed bank information was changed XX/XX/XXXX to a different account. XX/XX/XXXX a {$55.00} payment was attempted from my old XXXX XXXX account I had removed as a payment method. 

XXXX stated that she could not provide me the account they had attempted to pull a payment from on XX/XX/XXXX. 

This is a case of a blatant fraudulent transaction without my authorization and contrary to what I had requested more than 2 weeks prior to this payment. 

Employees of Synchrony Bank are being paid to cover up this fraudulent activity or choose to simply lie and cover up fraudulent transactions willingly.

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 2023-07-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2020-01-20
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted the company in XXXX and early XXXX seeking a way to work things out. 

I was informed by XXXX seeking to cut a deal with me to buy the home that it was in foreclosure and a sale date was set up. 

PHH says that an attorney sent me a demand letter but I haven't ever got a demand letter. 

I sent in a complete package to PHH by fax on XX/XX/XXXX and asked them to consider a forbearance or workout plan as for I have a contract closing in XXXX/early XXXX that will pay the loan current. 

I spoke with XXXX XXXX, a relationship manager, on XX/XX/XXXX and told him about a PHH letter to me on XX/XX/XXXX that I got in early XXXX. 

The letter says they have to look at all options with complete data by XX/XX/XXXX. 

I'm afraid the lost letters from an attorney, the timetable PHH gave me, and a time to cure the deficiency will case me to lose my home to gentrification. I've been a homeowner for 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: BAM Management US Holdings Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
commencing on or around XX/XX/XXXX, i fell victim to a multi-layered scam operation orchestrated by XXXX XXXX  ( the fraudsters or company ), with the design, development, manufacturing, promoting, marketing, distrubuting, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX which were transferred from my wallet utilizing your services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander Consumer USA has a charge off on my credit for the amount of {$21000.00}. My car was totaled and they received an insurance payoff of {$21000.00} they received a payment of XX/XX/XXXX maintenance refund of XXXX and XXXX refund XXXX and Gap payment XX/XX/XXXX {$5900.00} Insurance company payment {$13000.00} received on XX/XX/XXXX. Payments received are for a total of XXXX. The charge off amount should be XXXX. The charge off amount of {$21000.00} should be {$6700.00}. I have called the institution and have not received a response.

Company response to consumer: Closed with explanation