BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: AZ
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:
equifax has not been responding to me nor investigating my disputes nor sending me any proof of their investigations for the past year as a consumer this has caused major distress upon me and has ruined my reputation as a consumer due to their fraudulent actions. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under XXXX XXXX XXXX is the same as it is under XXXX XXXX XXXX  ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, XXXX said XXXX card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title XXXX chapter XXXX. 
Name of Account Account Number Provide Physical Verification Fresh Start funding XXXX Unverified Account U.S bankruptcy Court XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof XXXX written consent ) going against XXXX usc XXXX XXXX XXXX XXXX. This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumerXXXX XXXX  has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( XXXX ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This is now just a phishing scam through the mail. 

The first packet Gurstel Law Firm sent me on XXXX XXXX said they have already garnished and taken my money AT A BANK I HAVE NEVER HAD ANY ACCOUNT WITH! 

I havent found anyone to help me in these three months. 

Now it is XXXX XXXX and they have sent me THE EXACT SAME PACKET WITH A DIFFERENT BANK ON IT THAT I HAVE ALSO NEVER HAD ANY ACCOUNT WITH!!!! 

WHO DO I HAVE TO CONTACT TO GET SOMEONE TO DO SOMETHING ABOUT THIS?????? 

I live off of {$1500.00} a month from social security XXXX. I CAN NOT AFFORD TO PAY SOMEONE TO HELP ME! 

I also cant go the the cops here because they are also ones who lied when they said they delivered ME a summons way back in XXXX, I wasnt even LIVING IN THIS STATE, HOW DID A XXXX XXXX XXXX PERSONALLY HAND DELIVERED ME A SUMMONS IN XXXX XXXX WISCONSIN???? 

I HAVE NO IDEA WHAT THIS SUPPOSED DEBT EVEN IS. MY TOTAL REAL DEBT ISNT EVEN THIS MUCH!!!!! 

I shouldnt have to type out all the federal laws here for you to figure out what these people are doing is ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Around XX/XX/2021, I mailed off an identity theft report to TransUnion. TransUnion never updated me on fraudulent accounts being removed off my credit file. It has been over 30 days, and the company has not responded to my report. By law, the items in dispute need to be removed from my personal credit file 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 explanation
Consumer complaint received 2021-03-19
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint mortgage was the 3rd services assigned to my note. The debt was apparently bought by six different Bank or mortgage companies just since XXXX, I've lived in my home for 20 years now. 

Advertisements Any way in XXXX my loan serviced by XXXX assigned by both XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX and XXXX however never filed a record of deed in my district courts of XXXX County in XXXX Record of deeds office. During that. Statement had recv a loan modification which extended my payment years bringing my 25 year note to a 32 yr note which within the first five years flattened out at a ride in interest fee to a whopping XXXX per cent and apparently added over XXXX to the balance of my debt. 

Not one company this note was service by was ever opened with a positive escrow like it should of but shellpoint leveled the playing field dirtier than any of them in the past..they sent me directly to foreclosure stating they had full control over account as of XX/XX/XXXX and sent me a notice to accelerate foreclosure proceeding as of XX/XX/XXXX EVEN THOUGH I HAD SENT THEM AND THE CS OF PRIOR SERVICER HAD SENT THEM OK ACCOUNT IN GOOD STANDING AND CURRENT DUE TO A MODIFICATION THEY JUST FINALIZED IN XX/XX/XXXX DIRECTLY THEN FLIPPING MY MORTGAGE TO US BANK ON XXXX XXXX XX/XX/XXXX. 

WELL THEY HAD FINALLY GOT A JUDGE TO SIGN THE MOTION TO DISCLOSE AFTER A BOTCHED BANKRUPTCY WAS DISMISSED NOT ONCE BUT TWICE.YET MY ATTY THE JUDGE AND THEMSELVES WERE PERFECTLY AWARE THAT THEY WERE CONTACTING ME THROUGHOUT THE BANKRUPTCY YET NO ONE ACKNOWLEDGED THAT AS ILLEGAL NOT EVEN MY BOGUS ATTY XXXX XXXX XXXX AND HER INCOMPETENT XXXX PARALEGAL STAFF. 

*******WHAT DID I DO.. I TURNED TO XXXX CONSUMER AND BLASTED SHELLPOINT FOR THE *** ID NOT ONLY GONE THROUGH SPECIFICALLY WITH THEM OVER TWO YEARS, HOWEVER THE WHOLE 18 YEAR PERIOD ID CONSTANTLY BEEN THREATENED OR HAD MONEY TAKEN TO PAY MONTHS ID ALREADY SUBMITTED PAYMENTS FOR. XXXX WELL IN XXXX GOTTEN EN ANIMAL FROM A AMAZING WOMEN/Paralegal to XXXX XXXX who is CURRENTLY GATHERING EVIDENCE AND HAS WRITTEN THE INITIAL FILING TO A CLASS ACTION LAWSUIT AGAINST CHECKPOINT LOAN SERVERS PLEASE GO ONTO THEWebsiteE AND FILL OUT YOUR ONLINE SUBmission http : /Gucovschi-law.com/mortgages

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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:
Accordance with the Fair Credit Reporting act XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-04-08
Company: Experian Information Solutions Inc.
State: CA
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:
The FCRA states that it is EXPERIAN 's duty to report correct and accurate information on my credit report and file. However, they are NOT doing that. EXPERIAN is reporting inaccurate late payments for the XXXX XXXX XXXX  XXXX account ending in XXXX. The inaccurate late payments include 150 days delinquent on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, according to XXXX5 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give EXPERIAN written instruction/ permission to furnish the inaccurate late payments on my credit report or file- violating 15 U.S.C. 1681b ( a ) ( 2 ). With all said, it is clear that EXPERIAN has violating my consumer rights and the reporting of the inaccurate late payments has cause me and my reputation severe harm and discrimination.

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 2021-03-03
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/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Dovenmuehle Mortgage, Inc.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in a mortgage forbearance with XXXX XXXX XXXX since XX/XX/XXXX currently ending on XX/XX/XXXX. I have been calling about the two three month extensions my XXXX XXXX loan is eligible for but the keep telling me they have no guidance from management and that I need to keep calling. 
I spoke to XXXX today who kept telling me that " as of today '' my loan was not eligible for any extension and that the only thing he could do was send me a loss mitigation application to submit to underwriting. 
When I insisted I was eligible he kept saying " as of today '' and that I had to pay on XX/XX/XXXX or be put into the next step. 
The strange part is that when Initially was connected the computer voice asked me to click 1 for the three month extension. He claimed he had no idea what that was about. He also said there was no supervisor available and that I could not record the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In Capital One 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately. 

Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to XXXX XXXX on XX/XX/XXXX. Yet XXXX lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that XXXX has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report. 

It must also be noted that in the letter forwarded by the companies Capital One and XXXX deliberately withheld information regarding the amount that the account was sold to XXXX XXXX XXXX for. That information is important because if Capital One were paid an amount for the account. That amount should be subtracted from the amount that XXXX is claiming to be owed. The fact that XXXX is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately. 

I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card through my credit union XXXX XXXX XXXX the name of the card servicer is Elan Financial services. My payment is due every month on the XXXX. I am on time with making payments on the XXXX of every month. However, it appears I am still being charged a late fee and an over the limit fee every month. At this point, I called them and tried to get this resolved. However, they said even though I paid on time, the payment posted after the due date. I don't feel this is fair because- if the payment is made on the due date- why should I be charged all these fees? They are taking advantage of me and causing me financial distress- not to mention this card is ruining my credit worthiness.

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 2021-09-15
Company: AmeriCollect
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Americollect Inc XXXX XXXX XXXX XXXX, XXXX, WI XXXX ( XXXX  XXXX XXXX XXXX ) XX/XX/2021 Re : Account # XXXX XXXX To Whom It May Concern, You are hereby notified under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that your services are no longer desired.

Immediately cease and desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Attorney General of New Jersey. Civil and criminal claims will also be pursued against you and your company.

Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.

Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. 

It is my policy neither to recognize nor deal with collection agencies, and I will only settle this account with the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had an existing loan with NewRez shellpoint. I refinanced the loan in XXXX of XXXX with the same lender to satisfy my divorce settlement. I pay my property insurance via mortgage payment. On XX/XX/XXXX of XXXX I called my Insurance provider to report a snow related incident and was told that Newrez stopped my insurance XXXX of XXXX. This was a surprise to me as I even received emails from Newrez saying that they were paying my insurance. They acknowledged their error and assigned me a lender placed insurance. Before the adjuster arrived, I had a partial collapse of an outbuilding of which they gave me a separate claim #. At this time, they are denying the claim saying they dont cover outbuildings ( The policy I had did cover outbuildings ). I have spent hours on the phone with them. They just keep bouncing me around and accidentally hanging up on me. I absolutely had no reason to believe I was uninsured. My loan requires me to have insurance. I was without insurance for a year and a half. They led me to believe I was insured. I payed to be insured.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: SERVICEMAC, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Another issue with ServicemMac. 
On XX/XX/2022 I sent a request to ServiveMac to remove part my escrow account ( property tax and hazard insurance ) as I was advised that escrow for flood insurance can't be removed since this loan servicer is quite messy and I don't trust them. 
On XX/XX/2022 received a denial from ServiceMac stating that they can't remove the flood insurance, but I only asked for Property tax and hazard insurance ( copy of the request attached ), this makes me wonder if ServiceMac actually read my request form. 
So this denial has no ground.

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 2021-03-03
Company: Colony Brands, 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: Personal information incorrect

Complaint:
I learned that a negative action in the amount of {$2900.00} is repeatedly being reported as accurately being mine, although I have no knowledge of the stated account, that was opened in XX/XX/XXXX. My first knowledge of this fraudulent account is XX/XX/XXXX. The company name is XXXX XXXX, which I have never had an account nor had I ever heard of them until this fraudulent account appeared on my XXXX credit report. I later learned, that it has been reported to XXXX  and XXXX as well. After learning, that this fraudulent item was on my report I called & spoke with the credit department at XXXX XXXX and informed them, that I have no knowledge of this account. They said that the merchandise was delivered to an address on XXXX XXXX, in XXXX, TX. I have Never Resided at the address, that they allegedly sent merchandise. I have resided at my current address where I pay mortgage, for the past 27yrs. Also the person that I spoke with in credit department of XXXX XXXX stated a one time payment in the amount of {$100.00} was made toward this fraudulent account. I told her that they should trace payment method & match any signatures against mine. I have paid all my creditors online directly, from my bank account for many years. All other ( legitimate ) accounts are in good standing. I believe in paying my debts, but it can be easily proven that XXXX XXXX is not my account through signature comparisons of whomever opened account & my own. Also again, I have never resided at address that merchandise was allegedly shipped to. I have also completed an affidavit on government website attesting, that this is a fraudulent account. Person that I spoke with said that they show a XXXX XXXX account, that was issued in my name in XXXX that is paid in full. I told her, that I have never owned a XXXX XXXX Account either and wish to file a dispute for both accounts.

Company response to consumer: Closed with explanation