BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-28
Company: Innovate Managed Holdings, LLC
State: MO
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:
Within the past few days I changed my email subscription with XXXX XXXX to get more preferred emails. I also checked XXXX XXXX and it had the option to look at my auto loan. There were only a couple options and I read through the details then backed out. Ive been planning to refinance later in the year after my XXXX hard inquiries get dropped. There is no reason for any company to run my information. Im also curious as to how they received my information if it wasnt given or approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
FRAUDULENT APPLICATIONS HAVE BEEN SUBMITTED IN MY NAME & MY IDENTITY HAS BEEN USED WITHOUT MY CONSENT TO FRAUDULETLY OBTAIN GOODS AND SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT.

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 2022-01-07
Company: Experian Information Solutions Inc.
State: DC
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:
The credit bureau failed to verify the collection account XXXX XXXX XXXX ( account number XXXX ). I have mailed the following letters to Experian to dispute this inaccurate information on XX/XX/2021, XX/XX/2021, and XX/XX/2021. Please remove this inaccurate information.

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 2021-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
On or about XX/XX/XXXX I disputed an item on my credit report as this account did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. As of XX/XX/XXXX I have not received any information from Portfolio Recovery Associates regarding my request for validation of this debt. Furthermore the item remains on my credit still reporting negative with the remarks " consumer disputes after resolution. Collection account ''. Portfolio Recovery Associates LLC has failed to fully investigate this account to ensure it was legally opened by me. This account is not mine and they have failed to comply with my request. Acct # ending in XXXX -Date Assigned XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: ENCORE CAPITAL GROUP INC.
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On or about XX/XX/XXXX I disputed an item on my credit report as this account did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. As of XX/XX/XXXX I have not received any information from XXXX XXXX XXXX regarding my request for validation of this debt. Furthermore the item remains on my credit still reporting negative with the remarks " consumer disputes after resolution. Collection account ''. XXXX XXXX XXXX XXXX has failed to fully investigate this account to ensure it was legally opened by me. This account is not mine and they have failed to comply with my request. Acct # ending in XXXX -Date Assigned XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The apartment complex, XXXX XXXX XXXX & its agent, XXXX XXXX at XXXX, make the unlawful and fraudulent claim that I owe them {$2100.00}. I was physically attacked by one of their residents, XXXX XXXX ( aka XXXX XXXX ) in XX/XX/2018. Because of that, XXXX XXXX and XXXX XXXX attempt to misrepresent that I, as the victim, was the attacker and deserved to be attacked. They have sent a bogus claim of {$2100.00} to a debt collection agency, National Credit Systems , Inc., XXXX XXXX at XXXX. Each time that I write National Credit requesting that they validate the charge, they respond back with a picture of a " TOE '' and pictures of other images unknown to me and disputed by me. Instead of validating the claim at my insistence, XXXX XXXX, XXXX XXXX, and National Credit create more untrue and bogus lies to try and justify the above said amount. This erroneous information now wrongfully lies with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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:
My XXXX lease end agreement was on XX/XX/2020, my purchase appointment date was set for XX/XX/2020, my new Purchase contact payment is scheduled for XX/XX/2020 and my consumer complaint is that XXXX reported " 30 day DELINQUENT notices '' for XXXX & XXXX and interns made my FICO drop from XXXX to XXXX and cause the Denial of my home equity line of credit. I have made contact with XXXX and they stated that they have reported their error however, when I try to contact Experian @ XXXX but after 30 tries I had no luck for they have a horrible system so I filed a complaint under report # XXXX which is only for XXXX because they do not allow me to file again which makes absolutely no sense what so ever ... 
My objected for this noticed is to seek help on assuring my credit FICO score of XXXX is return and both XXXX and XXXX delinquencies of 30 days are removed completely from my credit report for XXXX should have never reported false delinquencies. No consumer should have to bare this unfair financial reporting for it is truly successful and frustrating. Thank you and I truly appreciate your prompt enforcement in 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 explanation
Consumer complaint received 2021-02-28
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
As explained in prior CFPB complaint ID : XXXX, which rep replying on behalf of BMWF did not fully address, there is a block preventing ACH payments on the account. The block was removed prior by a phone rep when I attempted to make an online ACH payment, the rep agreed to remove block to allow me to make payment which was later rejected because the bank, XXXX, claimed wrong info entered.. I have attempted to make ACH payments since and was unable to do so, it appears BMWF replaced the block after failed payment through XXXX. The account is due for XXXX payment and I plan on using my {$1400.00} stimulus payment to cover it, however, that payment is going into an account which does not allow bill payments. Further, I am unable to transfer funds from it as I can not link it to an external account, it is a pre-paid account and does not allow it to be linked for funds transfers. I request BMWF remove block to allow ACH payment so I can at least pay XXXX payment before it snowballs into XXXX, possibly XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are calling me at work after telling them repeatedly I am not allowed personal calls at work/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ive ask them to produce documents to where i have signed and agreed to pay the alleged debt / legal documents between me and the company. they have have failed to produce and are continually placing inaccurate information on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX, my private student loans, previously serviced by XXXX were charged off. I have been paying under a payment plan, in which I pay them {$250.00} a month at a reduced interest rate. I had my credit report pulled on XX/XX/XXXX and was advised by the loan officer that XXXX has not reported any updates on my credit reports, Equifax, XXXX and XXXX since XX/XX/XXXX. I have attempted to previously resolve this with the Company and it has not been corrected. I call again today on XX/XX/XXXX and kept getting routed to the Collection Agency they routed my loans to for handling, who could not assist me with the XXXX issue. I was provided a phone number that did not work and continued to be re-routed to the collection agency each time I called. 

In addition, the collection agency advised that XXXX only reports on a quarterly basis and they would not report monthly as the account is past due but being paid under a payment plan. The agent this offered me a settlement for one account at a time, which would require a 50 % down payment of the settlement amount, which is not feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been attempting to obtain a partial release from NewRez/ShellPoint Mortgage since XX/XX/XXXX when we faxed in all the requested partial release documents to NewRez/ShellPoint. Over the past year we have attempted to get status on the partial release in which NewRez/ShellPoint would give conflicting information or have no updates at all. We have spoke to customer service management on 12+ occasions and customer service on 25+ occasions. Customer service and customer service management is reporting they are not able to get any response from their internal partial release team. Customer service management has left voice mails for the partial release agent ( XXXX XXXX ) assigned to our request and her her supervisor XXXX without any response. We have filed 6+ internal complaints with NewRez/ShellPoint Mortgage via customer service and customer service management that have gone to no avail. Customer service reported that an escalation representative will call us back with 24-48 hours of each complaint and we are yet to receive a single call for any of the complaints filed. On XX/XX/XXXX, NewRez/ShellPoint Mortgage reported that we had submitted all the required documentation and that NewRez/ShellPoint would begin the partial release review. I called back in on XX/XX/XXXX in which Customer service management sent an email to XXXX 's supervisor with no response. On XX/XX/XXXX I spoke with customer service and had no status and filed another internal complaint on our behalf. Again we never received a call back from NewRez/ShellPoint Mortgage. On XX/XX/XXXX I spoke to customer service management again but they again had to status update on where the partial release request was. This day customer service management was attempting a live phone hand off to partial release supervisor XXXX but I was forwarded to Voice mail. I left a voice mail requesting a call back but never received a call back. On XX/XX/XXXX I spoke to 3rd level of customer service management XXXX XXXX and also attempted to contact the internal partial release team again with no response. XXXX XXXX ask that I wait until XX/XX/XXXX to get a response from the partial release team before escalating further. Per XXXX request on XX/XX/XXXX I called back in and left a voice mail message on XXXX voice mail. About 3 hours I called XXXX XXXX back because I had not relieved a call back. Brain was un-available but reported via customer service representative XXXX XXXX that he would call me back " shortly ''. I still have not received a call back. Most of the documentation I have contains very personal information including loan numbers and other sensitive data. I can provide in a secure manner if needed. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I recieved a response from XXXX XXXX account ending in XXXX on XX/XX/XXXX for a late payment that was at no fault of my own. I have been with company since XX/XX/XXXX and have never had a late payment and due to the fraudulent activities that has transpired during this time I was forced to take measures of protecting myself. I have mailed out letters seeking aid for this malice report of a late payment and the company responded stating that their findings were accurate when it is not. I have also experienced this poor reporting from XXXX XXXX XXXX account number XXXX. I need these accounts to be properly disputed for removal of these late payments because I am facing disiciplinary actions with my employer and may lose my job because of this fraud and that will not happen! I am very disappointed to know that my security and livihood isnt being considered!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX and an ex-family member received a phone call from the following number : XXXX from a XXXX XXXX. The woman will not tell me the name of the company she is with and continues to threaten to have me arrested. When I told her I was going to file a complaint against them and she needed to tell me the company name, she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this alleged repo with Santander and sent my dispute through the USPS Postal Service certified mail on " XX/XX/2021 '' and received no response this is a violation under the " Fair Debt Collection Practices Act '' Although they ( Santander ) did indeed sign for my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since the last complaint I filed, they have still done nothing and why do they get off so easy by just replying and closing out the complaint? 

I would just like to know why? 

Looking at this log of messages sent, you can see that we have been requesting the CARES act forbearance since XX/XX/2020. Numerous calls and letters, so many times being told to call back, it's in progress, you don't know or many other excuses. 

Over a month ago we were directed to upload documents which we did. The current status is " awaiting decision '' for over a month. And yet they can easily generate a letter to us in the mail regarding our late payment. 

So the question then is why? and when? and how is this even considered acceptable?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My complaint is regarding Trans union dropping my credit score 113 points without merit and without explanation abuse of correct credit score cause me significant damages after long time of repairing my credit score Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Navient Solutions, LLC.
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 submitted a letter stating that the information on my credit report was reported incorrectly. 45 days has passed and there has not been a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: PA
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 no a knowledge of this account according to the FCRA This item must be removed

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 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
please remove these items

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 2020-05-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I scheduled a transfer on XX/XX/2020 of {$50.00}. The scheduled payment will not arrive until XX/XX/2020. However, this is against the bank 's policy. Transfers typically take 12 business days to transfer. However, it schedules to be deposited into an external bank account until 4 business days. Due to the pandemic, banks are required to handle transfers and banking fees as fairly as possible. I shouldn't be charged withdrawal fees due to this epidemic and should be receiving the funds ASAP. I need to pay bills and purchase necessities, especially since I am unable to work. 

I tried to speak with a specialist about this matter, but the specialist disconnected the call and failed to call me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-03
Company: International Computer Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX contacted me by mail about an alleged debt i owe to XXXX XXXX XXXX in XX/XX/2018. I responded by certified mail asking for validation of said debt and that all correspondence be sent in mail, they have called me without validation of said debt.

Company response to consumer: Closed with explanation