BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-19
Company: Trident Asset Management, L.L.C.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the second complaint with CFPB an d Trident.  My first complaint was  XXXX .  Trident  responded with a response that the debt is verified. The company 's determination of verifying a debt is to send a copy of a bill. That is not verification. I requested in writing twice, certified mail, read receipt, to verify AND validate this debt is mine. It is not! I have This right under Section  609! I have the right to request and receive " the name of the person under which such  person conducts business and the address and telephone number of that person ''. I request proof the debt is mine. This proof/verification/validation will not surface because it does not exist. A copy of a bill does not suffice, nor fulfill my request.  If Trident Assest can not provide this, I want this account removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally submit a complaint regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account is not mine : Creditor : US DEPT ED Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$3800.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXt : {$30000.00} Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: ROBINHOOD MARKETS INC.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, Robinhood froze access for me to withdraw my funds from the platform. They intially stated they were doing this because the depositing bank that deposited the funds was now different from the bank that is receiving withdrawls. 

They asked for me to send in documentation of every previously linked account, and current linked account, which I did. Since I did this, they have now changed their messaging, saying I may not be able to withdraw my funds at all, and my account is in a remediation process. 

This is an illegal and unjust action by robinhood to withhold my personal funds, which I trusted with the platform. Continuing to hold over {$110000.00} of my hard earned money is casuing me great stress and trouble. I can barely sleep. My life is a nightmare, thanks to what robinhood is doing to a XXXX XXXX XXXXXXXX XXXX 

I repeatedly attempt to contact robinhood every single day, but an automated robotic reply just keeps coming back. They blocked me from phone support and chat support. I dont even have the money for a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Company is reporting false information on my credit report and is refusing to remove them.

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 2023-03-30
Company: Source Receivables Management LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After submitting a police report showing clearly that the account was not mine and my information was compromised on the dark web, they reinserted the exact same negative information on my credit report cause me problem with my personal life and business expansion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Financial Accounts Service Team Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Financial Account Services is reporting a paid balance of {$53.00} to XXXX. This account was paid directly to the original creditor before this debt was reported to the bureau. I never received proper notification of this debt as outlined by FDCPA 809 ( b ). I have requested documentation of verification by mail as of XX/XX/22 from Financial Account Services it is now XX/XX/22 with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to job loss coupled with mounting medical expenses, In late XXXX, we called our servicer, XXXX XXXX XXXX XXXX, requesting for a loan modification. Based upon our estimates, we needed a {$300.00}. Reduction from our current {$2800.00}. Payment. We requested that our 6.5 % interest rate loan be modified. They stated, they could not help us apply for a loan modification unless we missed two payments. We followed their advice, called back applied and was granted a temporary loan modification of {$150.00}. Less our original mortgage amount. We were told, if we paid it on time for one year, we'd be granted a permanent modification. We were successful in doing so. After a year we applied again for a permanent solution. We were told to keep paying our temporary modification while they decided the outcome. Six months went by, we paid on time, however what we got next was not a modification but a Notice of Default. We were told that the servicer has granted us the modification, that we " fit their requirements '' but the private investor on the backend did not agree. Shocked, we sought legal council.

Lawyer said, why are you still paying them, they are foreclosing on you, a date has been set. Stop paying them! We also learned we were a MERS loan and had been robo-signed. 
We pursued a lawsuit against them based upon lawyers suggestion. When our case came to trial, unfortunately we were unaware that our lawyers law firm was being investigated for embezzlement and our lawyer was being sued for sexual-harassment charges. At the time of our case our lawyer and the firm got disbarred, and is still currently without license. 
We hired a second lawyer. Waited 2.5 years for our appeal case to come up. Our second lawyer used the first lawyers defense and did not bring up the fact the first lawyer had not represented us properly due to their legal entanglement.

All the while, past due mortgage amounts and late fees racked up to {$350000.00}. 
We had paid both lawyers money each month that was equivalent to our mortgage payment, which was over {$300000.00}. in fees. Our appeal case was lost on grounds that our legal counsel did not put forth a good argument of why our case should be heard in court and the judge dismissed our case. Upon that outcome, XXXX XXXX immediately sold our loan to Specialized Loan Servicing and we are now being foreclosed on. We asked for a reconsideration of a loan modification with a reduction of principle however we have been denied the opportunity and are now in pre-foreclosure status. 

We don't want to lose our 30 % down payment, in the amount of {$280000.00}. we had put down on our home to get into it i. XXXX. Our loan balance prior to this happening was at {$610000.00}. We now owe them over a million dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-12
Company: Home Point Financial Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have continually ( even through here ) asked that this company send me any correspondence including mortgage statements for informational purposes and other correspondence to my home address that they have on file. My husband XXXX XXXX filed chapter XXXX and also he has a XXXX XXXX XXXX which I dont have access to. He has a key - I dont. I do have access only to the informed delivery of that box which shows me that they sent to items to the box - yet to my home address in my name only - I have received nothing. I have not filed for bankruptcy so if anyone were to default then this mortgage company would come after me, yet they wont send me DIRECTLY to my home address the info I need. Now if they want - I can make sure I change my address and dont forward my mail like XXXX did - so that they dont find me, but I dont play games like that. Secondly, XXXX was pulled out of my dcu ( XXXX XXXX XXXX XXXX ) checking account for XXXX and I would like to know who authorized the payment on the phone because XXXX XXXX isnt an authorized signer on that account so you should have my voice on their allowing you to pull the money and if you dont- then you are allowing XXXX to use my info to pay without my consent and thus I want the recording as does my lawyer for the authorization for the XXXX payment which I know they do. 

This company repeatedly does not listen to what you require and they allow unauthorized transactions and I am getting pretty upset at this juncture with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I HAVE REQUESTED PHYSICAL DOCUMENTATION FROM XXXX XXXX OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX DELETE this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that XXXX XXXX pick a day in XX/XX/2018, where we can meet in XXXX CA. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I keep getting denied for every kind of credit and money service possible I am being unfairly discriminated against and my human rights are constantly being violated causing me distress and XXXX the main problem is with Transunion reporting inaccurate information and with XXXX XXXX risk services also reporting inaccurate information even after they are suppose to remove it

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 2023-06-24
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern ; I have recently reviewed my credit report and had noticed huge discrepancies. I have noticed your agency, Jefferson capital systems, a collector of debts, attempting to collect a debt I am not aware of. I have never received a letter of debt validation from your agency. I believe you are legally bound to do so before collecting on said debt. I, as a consumer, has the right to validate and or dispute the alleged debt. If youd be so kind to provide me with a few things as proof of validation of the alleged debt owed and any late payments accrued I would greatly appreciate it. 
A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 
In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership, Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain. 
Also include a full accounting history from the original creditor including the date and leading amount of each payment and the Date of First Delinquency to the collection status. 
lf any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 
Proof you are legally allowed to collect on alleged debt in the state of Pennsylvania, including collect on alleged Third-Party Debt Collection Bonds. 
Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including any copies of the original notice and any letter tracking your firm maintains. FTC vs Midwest recovery systems make clear that it " debt parking without proper notices is a violation of consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: IN
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX your own addition to the last complaint you stated each purchase of your debt was done on or about XX/XX/XXXX yet I mailed XXXX a certified copy of the court and its on my credit report right now that I was arrested on XX/XX/XXXX and XXXX on XX/XX/XXXX XXXX your own report your lying on. The fact that you probperly contactact me.. your own reports state the time and my credit record shows my XXXX dates .. your violating the fair credit act.. I mailed a certify copy of the dispusition of the court to show when I was arrested yet you choose to ignore the facts. Its not my fault u assumed responsibilty of a debt and then didnt take proper actions to ensure it. Its your error now remove it from my report your causing me hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022 I received letters from Bank of America that someone had attempted to cash a fraudulent cheque of {$11000.00} in my account ending in XXXX. Both my accounts were closed as a result- the case was reported to XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX- and I was asked to contact these two organizations for more information. I attempted to reopen a new account at Bank of America and other institutions but failed because of the information these institutions had on file. I needed a bank account to function as I am a XXXX at XXXX and can not even use XXXX  as a result of the identity theft. 

I contacted XXXX XXXX and was asked to procure an identity theft report and a police report before my information could be removed. I did this and submitted the information and after an investigation XXXX XXXX removed my information from their system. 
I contacted XXXX XXXX next and after submitting these two credible reports to XXXX XXXX XXXX I was told a reinvestigation by Bank of America was underway. However, a few weeks later I was told Bank of America would not have XXXX XXXX to remove my information from their system. 

It is very unfair that they are preventing me from opening a bank account anywhere since I am A VICTIM and can not even receive money from my parents in XXXX because of this. This is why I am reaching out and asking that they kindly allow early warning to remove my information so I can get a bank account with another financial institution. I am a XXXXXXXX XXXX XXXX and a bank account is imperative to me being able to function in America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-16
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:
I have been shopping for cars for about a month and on XX/XX/2020 I was at the XXXX dealership and I found a car I liked so they ran my credit to see what my monthly payments were going to be as well as the interest rate ; however, when my credit report came back, I was told that I didn't get approved at all because there were several accounts in negative standing on my credit. I looked through my credit report and I saw many accounts on there that I never opened. The accounts are from XXXX XXXX, XXXX XXXX XXXX  & US BKPT CT CA XXXX. None of those accounts belong to me and I have never allowed anyone to open those accounts with my personal information. I did not take part in any transactions or payments made towards any of those accounts.

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