BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-04
Company: Shellpoint Partners, LLC
State: MD
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 hospitalized for Covid 19 from XX/XX/XXXX to XX/XX/XXXX. I was incapacitated and could not make my mortgage payment but I had the money in my bank account. When I came to on XX/XX/XXXX one of the first things I did was to make the XX/XX/XXXX mortgage payment. I have a great history of making payments with no 30 day lates on any of my 17 accounts. I got a letter from my doctor and sent it to Shellpoint on XX/XX/XXXX. They subsequently removed the late payment penalty penalty and they said they would reverse the 30 day late payment on my credit reports. .But as of now they have not removed the late payment with XXXX  even thought it appears they have with XXXX  and XXXX XXXX XXXX I have spoken with them ten times and they are refusing to remove the late payment with Experian. Please advise.

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 2023-08-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am currently trying too close on escrow selling my home and my mortgage company PENNYMAC made an error and reported a partial claim on my home to HUD and recorded to the county that was denied. I have tried for a month to get resolved and nothing is happening. I have been told over a dozen times someone would call me back and no one has called me. I have gotten my closing title agent to call and emails sent and no answer. I received a email from a supervisor XXXX XXXX from PENNYMAC stating he had his team escalate to HUD to get partial claim removed and updated and nothing has been done. XXXX XXXX from PENNYMAC hasnt returned any emails and no calls from him updating me on a status of what is going on. I was suppose too close on escrow on XX/XX/2023 and today I still havent closed. The buyers of my home has put in notice where they are living and needs to move into home and cant. This is a great inconvenience and unprofessional of PENNYMAC and their error that is causing me mental and financial anguish. I have had XXXX XXXX XXXX and my XXXX XXXX has been high for past XXXX weeks while trying to get this resolved. I am disgusted and frustrated with error from PENNYMAC that they are slow too fix.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: FL
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 finance is reporting fraudulent information to credit agency 's due to a ongoing dispute between us. 1 : I tendered payment and they did not like my payment that is acceptable under the current laws, Debt is discharged = period 2 : They never loaned anything and are not holders in due course of my " instrument " contract they sold it " securitized it on the market. 
3 : They wrote off XXXX when there was only XXXX left and they removed my property and still never returned it or informed me about any sale therefore how can they post false, incomplete information. 
They are damaging me by multiple reporting, Amount, times, and charge off causing a XXXX point impact on all 3 agencies and causing emotional stress

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 2021-04-03
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have communicated that lvnv sent me a lettee saying this debt is mine they included a payment I never made. 
In the letter to the bureaus the last payment I didn't nor make I do not know of anyone making it. 
Next this debt is passed statue of limitations. Also the bureaus have deleted this debt and it keeps coming back. 
Can someone validatw this debt by the contract. 
Can someone validate this debt by receipt of buying it from original owner with the account number and name The dispute with original ac, ount holder is card was stolen or a family member put transactions on the card please prove it was me by signature and picture from cameras Also the person who paid this debt last is the criminal Please look at the proof I didn't make the payment it's highlighted The debt is past statue of limitations and is identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TapTap Send Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Hello Sir, I made a {$1700.00} transaction ( using Taptap Send App ) today XXXX XXXX at XXXXXXXX XXXX and its still pending. I would like my transaction be successful or my fund remitted back to my USD account ASAP. 

Transaction id XXXX Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Experian Information Solutions Inc.
State: TX
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 have inquires, Collection accounts, and closed accounts, wrong names, unknown address that was listed towards Experian that I disputed that needs to be removed, and It was not investigated within the " 30 days '' that Experian was supposed to exploit. Their are inaccuracies listed on my credit report that has caused great trouble on my report, and I would need them removed immediately! According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Under federal law any Credit bureau has 30 days to complete an investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Sincerely,

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 2022-06-15
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX VyStar credit Union overhaul their mobile banking it crashed. It is now XX/XX/XXXX Mobile banking is still inoperable. VyStar and any other mobile banking at this point everyday necessity five stars Mobile banking has been down for exactly one month today as myself and anybody else that uses we are hindered severely I understand this is a major glitch I may or may not change credit Unions at this time but mobile is vital. I am hindered because I can not see my account I can not move money properly where I needed to be I have children who do not live with me and pay child support to them I have bills that need to be attended to or monitor and I am just hinder all the way around without It I have been in overdraft in my account several times a the banking new version crashed my worst fear is not being able to pay a bill and or going into default somewhere financially which would definitely affect my credit score!

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 2023-04-07
Company: EQUIFAX, INC.
State: PA
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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFBP Officers : I am writing you to complaint about an illegal or even a fraudulent debt collection attempt by Ability Recovery Services LLC and thus destroying my credit history which is denying me credit opportunities and this fact is even more exacerbated by this trying times. 

- First of all, this company never notified me in writing that I owe any debt to them. This a clear FDCPA violation. 
- Without any notice to me they send such fraudulent information to credit reporting agencies. This a clear FDCPA violation. 
-Failed to send me a validation of debt which is a clear FDCPA violation. 

Credit reporting laws ensure that bureaus and collection agencies are obligated to report only 100 % accurate credit information. Every step must be taken to assure the information is reported is completely accurate, correct and belong to the right person. Clearly Ability Recovery Services LLC has failed in reporting my credit file accurately. 

Therefore, the following information bellow must be removed as soon as possible. I respectfully request that you provide me the proof that these items belong to me and were authorized with an instrument bearing my signature and supported with IDs and any other legitimate supporting documents. Failing to prove that, unauthorized, inaccurate and most likely fraudulent items must be removed from my file immediately : 1. ABILITY RECOVERY SEVICE - Account number XXXX I also need to inform you that in XXXX, I notified all 3 credit reporting agencies and CFBP that similar attempt was made and investigation by credit reporting agencies proved that I never authorized such a purchase or service and was removed immediately from 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 2023-06-11
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: Public record information inaccurate

Complaint:
I am writing to file a complaint against XXXX XXXX  ( XXXX ), located at XXXX XXXX XXXX, XXXX XXXX, IL XXXX, for violations of the Fair Credit Reporting Act My husband and I purchased a vehicle from XXXX XXXX XXXX, an a partner and or affiliate of XXXX XXXX XXXX  ( XXXX ) on XX/XX/XXXX. The term was 44 months. In XX/XX/XXXX, my husband became ill with XXXX and contacted XXXX to voluntarily surrender the vehicle due to financial hardship. XXXX instructed us to return the vehicle to XXXX XXXX XXXX, which we did. XXXX confirmed they received the vehicle and closed our account on XX/XX/XXXX. 

Despite voluntarily surrendering the vehicle and closing the account, XXXX  reported the account as a " repossession '' on our credit reports in XX/XX/XXXX. When we disputed this with the credit bureaus, XXXX changed the report to " voluntary repossession '' but then re-reported it as " repossession. '' They have failed to provide any documentation validating this debt, as required under the FCRA. 

Most egregiously, in XX/XX/XXXX, XXXX illegally garnished my husband 's wages without any notice or judgment, in violation of debt collection and wage garnishment laws. They then returned a portion of the garnished wages without any explanation. We never received any court documents regarding a judgment for this debt, and court records show no such judgment exists. 

XXXX has violated the following laws : The FCRA, by reporting invalid repossession information, failing to conduct a reasonable investigation of our disputes, and failing to provide documentation validating the debt. 

The FDCPA, by engaging in unfair debt collection practices, failing to provide required disclosures and notices, and illegally garnishing wages without proper legal judgment. 

Other consumer protection laws regarding debt collection and wage garnishment procedures in Illinois. 

We demand that XXXX immediately remove the negative account from my credit report, provide documentation validating this debt, return any illegally garnished wages, and be held accountable for violating the law and harming consumers. Please conduct a full investigation into this complaint and take action against XXXX  to stop their unlawful behavior.

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 2021-04-03
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
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:
I have made this same complaint regarding XXXX. XXXX keeps deleting my mortgage with XXXX XXXX XXXX ( XXXX ) off of my credit report. Equifax recently added my mortgage back to my credit report, but as of XX/XX/XXXX, it is reporting that my account is closed and has a {$0.00} balance. This messes up my credit age, the amount of my revolving accounts, and the mix of my accounts. This is affecting my credit score and my ability to refinance my home. This is incorrect as my mortgage should be reported as open as I am still paying on it. 

My credit card with XXXX XXXX was recently removed from my account, and I don't know why as this is my account and it is open. Please add back to my credit report. 

I do not see XXXX XXXX XXXX on my credit report. Although this account was paid in full and closed in XX/XX/XXXX, it should still be reporting on my credit report. 

Also, please note that XXXX XXXX is not my employer. I have been employed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  since XX/XX/XXXX. 

My XXXX account limit is {$6300.00}, the limit needs to be updated. 

Again the two collection accounts with Eastern Account System do not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 my home was damaged by a wind event. Penmac has been holding the funds from insurance. I struggled for months to find anyone that would work with me to provide these documents PennyMac was requiring to release the funds from my insurance policy that I pay for. 
I previously contacted the CFPB and was told that if I could find a company that would do this, they would release all funds without the need for the inspections. 

I signed with a roofing company that had a quote {$2000.00} higher than any other quote I had gotten, submitted all of the required documentation and PennyMac released {$1400.00} and is requiring inspection now for the rest. 

This was not the agreement made to resolve the prior CFPB complaint. There is now mold spreading through my home, my kids are starting to have headaches and other issues. 

This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions Inc.
State: NJ
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: Billing dispute for services

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX / DOB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX USA To whom it may concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the state of Missouri Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violation 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-08-17
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
XXXX XXXX I received my credit report to see items being reported in correct. It show the wrong date of being delinquent and a past due amount on a charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: AL
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:
My name is 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Winklevoss Exchange LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I previously submitted a complain # XXXX. My credit card company respond is not valid since they didn't provide new documentation after my dispute, they only sent documentation before the date of the confirmation of the refund by XXXX. 
GEMINI documents investigation referred to XXXX  policies, one of the policies is that I need to reach the end of 6 months of the course, however my access was cancelled on day 12 because I disputed the transaction, when I emailed the company their respond was " The full program amount has been sent back to your bank, we therefore removed course-access. '' breaching the agreement of the 6 months that I needed to reach. 
GEMINI provided a document where XXXX mentioned that I was happy with the course but I sent an email on XX/XX/XXXX to XXXX  telling them that I was not aware that I would not be able to access all of the course material once signing up and I will not be able to view the session until XX/XX/XXXX which was very unfair because they asked to reach 60 days when I would not have a full access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: GA
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:
I want to file a complaint on XXXX XXXX and Experian theyre reporting on my credit that I dont recognize nor did I give permission to. There are many inquires and public records that I want remove from

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