BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-20
Company: Legal Recovery Law Offices, Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi.Legal recovery law office representing XXXX XXXX got a default judgment on a credit card debt in XX/XX/XXXX. They had a XXXX  XXXX  and started wage garnishment immediately. On XX/XX/XXXX I received a letter from XXXX XXXX of XXXX and XXXX. stating that that they are now representing XXXX XXXX with still a balance of {$9700.00} and the last payment they received was in XX/XX/XXXX. ( Wage garnishment started in XX/XX/XXXX and is still ongoing ). I have on numerous occation asked for a payment history but they keep sending the original Judgment. I believe either the judgment has been paid or being closed to being paid off. I would like The XXXX XXXX of XXXX and XXXX to provide some clarity on this judgment and a payment history please. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-20
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sunwest Mortgage is reporting a late on my credit file that needs to be removed. I was refinancing my home and working with the title company and sunwest and my lender on this. Everyone advised me to not make a payment because it would mess with my refinance and that the title company would issue the final check that would pay off my loan so I did as I was told. However, even though Sunwest was aware of this, they placed a late on my credit even though they got the payment from my title company. This is not my fault and the late needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: AR
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is 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. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans Union rental department ran my credit twice for the same company without my permission. My credit File is locked I did not receive a call or email stating that a company was trying to access my credit report. This action caused my credit to drop XXXX points that was negligence on TransUnion and I asked that it be removed in my credit score to be adjusted accordingly. I sent the letter out but I had no response

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 2021-03-31
Company: EQUIFAX, INC.
State: MA
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: Problem with personal statement of dispute

Complaint:
The negative point drop with XXXX and XXXX point swings for no reason its the second time I have noticed it and in a month it will go back up but not the total that was subtracted there credit reporting is out of control Not sure if companys actually look at there numbers but its really unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello I open a account with chase bank this month of XX/XX/2021 the account was a checking the location was XXXX XXXX and XXXX XXXX somebody close the account not from the bank they said no reason was giving why it was did I will submit my checking account number to you and routing number plus my debit card to you and a index card of the person name and bank and address I had to activate the card and I did that but no pin number I was able to activate I will photo copy all that information to you by Monday XX/XX/2021 from my phone I will like to keep my account the same checking and routing along with my debit card number I just need a pin number so I can deposit my social security check in my account by atm or teller no mobile I shown the bank my check they said every thing seem ok and I am going to send you some XXXX XXXX checks I deposit and they do not want to return my money back to me I am going to submit photo copies of those check receipts to you as well because I sign the back of the check and put my account number checking and routing on the back what I will do with them at chase bank I use a address.from newyork when I open the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a mailing address po box XXXX XXXX newyork XXXX where my mail go to up their I did not use XXXX XXXX XXXX XXXX XXXX XXXX n.c. because I north carolina address expire and have not renew them yet because of the coronervirus pandemic I will photo copy my address as well in newyork and northcarolina my social security checks have the address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on the checks can you reply back to me by mail or text because I do not get your response back to me by email or XXXX that is it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays date:XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1800.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule
of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAVALRY PORTFOLIO SERVIC Reported : XXXX XXXX, XXXX - {$1800.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: EQUIFAX, 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:
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was discriminated by PenFed for a line of credit. I exercised my rights in good faith and did not receive an adverse action letter. Credit is my right and a credit score is not a requirement for credit to be extended. I have exercised my rights further and have gotten inaccurate information off of my credit report and still the credit reporting agencies are causing me great harm. Penfed and I entered into a consumer credit transaction and I received no benefit from this transaction. The inquiry is proof of this. I received no documentary evidence of who benefited from this transaction and I would like to know who did because it wasn't me, the consumer.

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 2022-08-10
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: Information belongs to someone else

Complaint:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX XXXX Balance {$3800.00}, XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$270.00},

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 2021-03-31
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I applied for an auto loan in XX/XX/XXXX, with my credit union. I was told by the credit union that I had a collection on my credit report. I reviewed my credit report with two of the three credit bureaus. I was unable to get an online copy of my credit report from XXXX. I was able to get a copy of my XXXX  and Experian credit reports ; there was a collection from XXXX XXXX XXXX. 

In XX/XX/XXXX, I filed a dispute with both XXXX  and Experian credit bureaus with a copy of the payment. 

In XXXX, I sent XXXX XXXX XXXX a copy of the payment paid to University XXXX XXXX XXXX back in XXXX after they contacted. 

XXXX  removed the collection from my credit report in XX/XX/XXXX. Experian has refused to remove this collection from my credit report. 

I have consistently been disputing this debt with Experian as being paid : XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Experian decided that the collection was correct even after receiving proof of my payment. I have also called Experian customer service twice regarding this issue. I was promised a call from a supervisor which I never received. 

I paid the debt I owed the University XXXX XXXX XXXX in full XX/XX/XXXX. Yet, Experian has allowed XXXX XXXX XXXX to put this debt on my credit report as a collection in XX/XX/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 2021-02-27
Company: Experian Information Solutions Inc.
State: NC
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 have disputed errors on my credit report with experian. On XX/XX/XXXX. I disputed that I had not made payments on this account ( I have been making payments since XX/XX/XXXX ). I also disputed that the account was still open not not paid off in full which it was XX/XX/XXXX. No action to remove the missed payments or to show that the account was closed occurred. I uploaded additional documentation showing that I've made payments since XX/XX/XXXX monthly until XX/XX/XXXX when the account was paid off. The original creditor was the U.S. Department of Agriculture as a government overpayment ( original amount {$7700.00} and they sent my account to collections thru Pay.gov. I have been making all payments thru Pay.gov and on XX/XX/XXXX I paid off my debt with them. I just want to information to be updated so my credit can be an accurate reflection of what has occurred.

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 2023-03-06
Company: Synovus Bank
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:
The dates mentioned I were late in making my payments were incorrect, I requested the proof but they failed to provide the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX I thank you for your prompt responses and deleting this debt due to fraud. I just need help resolving one more issue. The creditor Portfolio Recovery Services that bought this debt from you in XXXX. I also reached out to them to delete this debt from the credit beauru. They advised me they won't until your agency reaches out authorizing them to do so even though I let the know of the correspondence your agency sent me. Can you please advise them to please delete the accounts from the credit beaurus?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: OH
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 contacted Experian and let them aware that I was a victim of fraud and that I did not authorize XXXX XXXX XXXX XXXX XXXX to access my credit profile. Experian representative told me that she could not delete the inquiry even though I let her aware that I did not authorize XXXX XXXX XXXX XXXX XXXX to access my credit profile.

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 2023-08-07
Company: CL Holdings LLC
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone used my information to open loans and credit cards and my credit dropped from XXXX to XXXX because someone used my information to apply for credit cards and auto loans which they are on collections now and even used my information for XXXX XXXX and XXXX XXXX XXXX and XXXX which I dont know how they got my information to do all that They have used my information for inquiries which hurts my credit and now I cant even apply for a loan or use my VA for loan XXXXue to this fraudulent activity on my files and I have tried to contact them to erase everything but they didnt. I need to get my credit score up and they need to erase all those collections and debts and inquiries because I had no idea how these got on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
During XXXX my student loans recently were in forebarence. However, I had other student loans from 2013 when I went to XXXX University. Its through Navient. They never stopped charging me and I went ahead and made the payments but after research, I believe the student loans should not still have a balance. I was very young and went to XXXX but then when I started a family I stopped for many years and then when I was in my late XXXX and early XXXX attended a university or college. Those student loans I am very aware of and carry a balance of around {$38000.00} which was in forbearance. I would like some help to understand if the company Navient still has over a {$10000.00} balance, when my attendance to XXXX was in 2013 when I was much younger. I want to know my rights and understand if I actually signed up for consolidation so they could move the balances to a new loan to start all over to pay or if actually, the balance is legitimate that they have. I just want to know if student loans over 10 years are still payable because with that added to my XXXX my payment is almost {$500.00} a month and I just want make sure its an actual payment thats required Im not trying to get out of paying student loans. I just want make sure that Im not getting taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I filled out the paperwork I received back in XXXX and mailed it back to figure out a way to fix the past due payments. I have paid at least one month of my mortgage every month during this time. i never heard anything back. I have been in another state for 4 months and when i returned today my daughter tells me they didnt accept the payment she made friday. We scheduled a new payment for the monthly mortgage amount for next week and another full month for 2 weeks after but i still didnt hear back and when i tried to log into my account today its locked out. I dont use a computer on my own so i dont know how long its been locked. I have all my mail from when i was gone and they didnt send anything back regarding the paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation