BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-23
Company: Experian Information Solutions Inc.
State: NJ
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 several accounts on my credit report, all of which I beleive are fraudulent. I have asked for written proof, and not just a statement showing that I owe this money. I have not received any doucmentation. To add insult to injury my credit score keeps going lower and lower.

I filed a complaint with the CFPB regarding all these accounts and one was removed and closed, and the other two were stated as valid. Agian WITH NO PROOF! How do I get this corrected since I firmly state that I do not owe, and no one will provide written proof, but keep saying I owe. I need the CFBP to correct this issue!

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 2020-06-24
Company: Experian Information Solutions Inc.
State: AZ
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:
When Covid-19 started my account was current. I tried numerous times to work with XXXX XXXX, called 7 times they told me they had no program for COVID-19. Every time I called they kept increasing the payoff. Then they reported negative delinquent to Experian. This is illegal during COVID-19 They cant report anything different until 120 after COVID-19 ends. 
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 2019-04-06
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Being laid off cause me to have decrease in my income which cause financial hardship which also cause me to file bankruptcy. I also tried to get mortgage help from Chase and was denied 7 times. 

XX/XX/2018 I surrender my home back to chase after being denied mortgage help once again.

the hearing took place the judge ordered the trustee to stop payments to chase effective immediately I moved out XX/XX/2018 received a check in the amount of {$100.00} from Chase applogizing for the delay in responding back so late on the mortage asst. well Chase forclosed on the home in XX/XX/2018 6 monyhs after the home was surrendered thru bankruptcy. How is this possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: BARCLAYS BANK DELAWARE
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 paid for merchandise in XX/XX/2018 that was never recieceived. My credit card company originally credited my account, but in XX/XX/XXXX took that credit back. I tried to close my account but they refuse to close it, so late fees and interest continue to pile up on top of the fraudulent charge previously mentioned.

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 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 was attempting to purchase a new vehicle and was denied due to XXXX XXXX reporting that I have been 6 months past due on my payments. When in fact I have been making the monthly payment PRIOR to the due date since XX/XX/2017.

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 2019-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
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:
XXXX ( Professional Recovery XXXX ) calls my cell phone approximately two dozen times, if not more, monthly. When I answer the call, they ask to speak to " XXXX XXXX ''. I ask " Why? '' I will not bore you with the rest of the verbal sparring, but I always tell the person calling that their company is harassing me and is in violation of Federal laws and regulations governing their actions and practices. I close with, " Do not call me again, '' and hang up. ( I also have informed them, repeatedly, that they are legally time-barred from contacting me and/or pursuing any sort of collection efforts. ) They had not tried to contact me in about two weeks until last week. I recall that there were 3-4 attempted calls during that week and there have been 4-5 this week, including today. In most recent cases, I have blocked their phone number after disconnecting their call. 

I can not document all their calls except that I believe I could access the dates and times of these incessant calls from my call history from my provider and provide a list of all their phone numbers that I have blocked, to date. 

IF, there is any unpaid debt, utility bill, etc., in my past, these are long gone. I monitor my credit regularly. I only have credit today because I was patient and waited to begin rebuilding my credit history after a lengthy period of time had passed to allow entries such as collection accounts, etc., " fall off '' my credit history. 

If you look at my credit reports today, all you will see is that credit card payments and installment loan payments are " paid as agreed '' and that, in trying to reestablished my credit worthiness - no collections, no tax liens, no judgements, of any kind. 

I have no idea what supposed debt they are illegally attempting to coerce me to settle and do not care what their tenuous position is. When they ask if " Is XXXX XXXX available? '' I ask. " From what company are you calling? '' and " Why do you want to speak to that person at this number? '' They do identify the company, but they will not give me any further information as to the reasons for their annoying, illegal harassment of me unless I confirm - by stating the information - in response to questions such as, " What are the last 4 digits of your Social Security number? '' Or, " What is your address and phone number? '' I lived in XXXX, TX, from late XXXX XXXX to mid-Jul XXXX and in XXXX XXXX, LA, from mid-Jul XXXX to early XXXX XXXX. I have lived in XXXX XXXX, HI ( on the Big Island ) from Father 's Day, XX/XX/XXXX XXXX until now. I have lived at my first address since mid-Nov XXXX until now, about XXXX years at the same residence. 

Please contact me if you have any questions about this narrative. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 several accounts on my credit report, all of which I beleive are fraudulent. I have asked for written proof, and not just a statement showing that I owe this money. I have not received any doucmentation. To add insult to injury my credit score keeps going lower and lower.

I filed a complaint with the CFPB regarding all these accounts and one was removed and closed, and the other two were stated as valid. Agian WITH NO PROOF! How do I get this corrected since I firmly state that I do not owe, and no one will provide written proof, but keep saying I owe. I need the CFBP to correct this issue!

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 2019-04-06
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: Information belongs to someone else

Complaint:
identity theft these accounts do not belong to me XXXX XXXX opened XX/XX/XXXX {$19000.00} XXXX cards opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX {$430.00} XXXX XXXX XXXX opened XX/XX/XXXX {$1200.00} XXXX XXXX  opened XX/XX/XXXX {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a lemon car through XXXX XXXX & attempted to trade it in due to the fact everytime I drove it rattled. Toyota of XXXX stole that car through lying & undervalued it stating it had undisclosed frame damage. Then I was stuck with an upside down car. Toyota Financial refused to change the car payments to match my pay dates then repod the car claiming I never contacted them & gave false amount of time I was behind. Gave me 30 days to come up XXXX then under sold that car & are trying to collect on like XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit Bureaus are ILLEGALLY reinserting FALSE information into my credit reports. A while ago, I noticed an account on my report that did not belong to me, I had filed an identity theft report with the police. Under investigation, they proved that the account is a result of fraud and removed it from my report. Years later, when I reviewed my credit report, I noticed that the fraudulent account had REAPPEARED on my report! 

Previously, the credit bureaus investigated the following collection account and determined that it did not belong to me ; and thus, you deleted it from my credit report : Account # XXXX Account XXXX Now, it has reappeared on my credit report, which is a violation of law. 

The Fair Credit Reporting Act states : The information may not be reinserted the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
" The consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and provide contact information for the company that furnished the information. '' And, they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted. 

I was NEVER NOTIFED. Nor was I given the opportunity to explain that this does not belong to me.

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 2020-05-10
Company: Experian Information Solutions Inc.
State: DE
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 always pay my bill online with auto payment. Some how XXXX  is showing 30days late as I paid off my HELOC.

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 2020-08-27
Company: T.S. Holdings
State: MO
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:
XX/XX/XXXX at XXXX XXXX Spoke with a rep at IQ Data International and informed rep they have the wrong number. Rep said someone answered and confirmed a call on XX/XX/XXXX I told them that's not true no one has access to my phone and there's no records of a call. The rep then implied I was lying and refused to acknowledge my request to have them stop calling. 

Any time I would ask the rep if they could remove my number the rep said " No '' and  would continue to ask about the original debt owners. The rep thing hung up without removing my number from their call list. 

I received another call from IQ Data International on XX/XX/XXXX at XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: EQUIFAX, INC.
State: DE
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 always pay my bill online with auto payment. Some how XXXX is showing 30days late as I paid off my HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Navient Solutions, LLC.
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: Their investigation did not fix an error on your report

Complaint:
In trying to resolve a disputed error on my credit report with XXXX XXXX for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry from XX/XX/2014 as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, XXXX  and XXXX  and creditor directly. I appreciate any assistance you can provide in clearing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is about escrow account balances and how unused escrow funds are handled after the principal is paid in full. For my situation, property taxes and insurance are both paid afterXX/XX/XXXX in the year. The loan was paid in full on XX/XX/XXXX, and an accrued escrow balance of over {$2100.00} is due back to me. Within a week, I received a new Escrow Account Disclosure Statement in the mail informing me that no new escrow funds were required. I have yet to receive the escrow funds - my cash - and the company NewRez ( formerly Shellpoint ) keeps telling me they have 30 days to return the funds - " according to their policy '' - no real reason given. The loan has been paid off for three weeks now. 

The policies of Shellpoint/NewRez are absurd when it comes to how they handle escrow funds. When it became clear that the escrow funds they were collecting were never going to be used for their intended purpose ( as the loan would be paid off before either insurance or taxes became due ) I had asked to have the escrow balance applied to the principal and was told that this was not possible. No reason was given other than " it's policy. '' It took several tries on the phone to even get a representative that could understand the issue. I see no reason that the refund from the overpaid escrow could not have been sent along with the letter in the mail containing the Escrow Account Disclosure Statement. 

I am sure that someone for NewRez/Shellpoint will respond to this complaint and say they they are within their rights to hold the overpaid escrow and refund it whenever they get around to it, but I am filing this complaint so that everyone can know what they do. While I am sure that these " policies '' were " disclosed to me '' in the form of some 50 pages of microprinted legalese that few people even have a chance to read or understand before it is too late, there is no excuse for the delay in refunding the overpaid escrow cash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian, XXXX, and XXXX  are hiding information from me. My attorney found a mortgage on my name, bankruptcy on my name, these accounts were put on my name without my consent. I apply for credit and it's always denied. Also, they are sticking up for banks that I have on my report that are breaking the FCRA law in many ways. They don't correct my problem. XXXX XXXX and XXXX XXXX broke the FCRA law and these bureaus are supporting 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 explanation
Consumer complaint received 2018-03-23
Company: Statewide Credit Services Corp.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The debt collection agent is claiming I owe money for a doctor visit that was paid through my insurance. they called someone not related to me, but at the same address, at XXXX XXXX XXXX, to try to reach me even after I asked them to stop harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have made complaints regarding this issue several times yet TD Bank fixes it and than changes my address on its own. I am starting to get very annoyed with the level of incompetence of TD Bank. I don't understand why they keep changing my mailing address without my authorization. I write a lot of checks and online banking checks and TD Bank continues to change my Po Box info to my home address. 

I am getting extremely frustrated with this at this point. I don't want people knowing where I live. I don't understand why this bank keeps changing my mailing address. 

This is a huge invasion of privacy issue. They keep fixing it and than a month or 2 later change my address in the system on its own. I deal with tenants and other businesses and I have a business address for a reason. 

If anything were to happen because of XXXX XXXX continued negligence, I will hold them responsible. 

For the last time, stop changing my address without my authorization. 

A TD Bank employee stole XXXX dollars from my account last year and she was arrested and charged for doing so. 

TD Bank must protect my privacy and stop changing my XXXX address for no XXXX reason. After the bank employee stole my personal info TD Bank has done nothing to protect my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01
Company: Fay Servicing, LLC
State: DC
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 tried twice on XXXX XXXX to dispute the delinquent payments to no avail, with XXXX credit bureau and Fay Servicing. 

Let me also say Fay Servicing did correct the XXXX report but the disputes with XXXX will not change. 

I have disputed so many times, that XXXX XXXX will not allow me to dispute the Fay Servicing and XXXX accounts, again. 

I also asked my Account Manager with Fay Servicing why does XXXX show 9 missed payments, when there have been no missed payments since the modification. 

Fay Servicing even shows a missed payment for this year, and there have been no missed payments, but the Account Manager stated that another office would have to correct my credit reporting with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Orion Portfolio Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
The creditor ORION PORTFOLIO SERVICES has agreed to delete the account XXXX XXXX XXXX but it is still showing on my credit report. They also said that they have contacted the original creditor so that they can delete the account from my credit report. XXXX, XXXX and XXXX  have not deleted the account from my credit report. Please delete the account, I am including their response from my previous complaint.

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