BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-21
Company: Roberts Law, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call from " UNKNOWN '' number. Voicemail left said that documents were refused and to call the firm that hired him within 2 hours. " CALL NOW ''. This person then called family members and left the same message. I called the number back twice. The woman who answered the phone answered with " law office ''. She identified the law firm as " Roberts Law ''. She said she would send an email to the " server '' and tell him not to call anymore. The number I was told was - XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-04
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 try over and over to fix this problem. they have not fixed the errors in my consumer 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 non-monetary relief
Consumer complaint received 2018-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is attempting to collect a Credit Card Debt from Capital One Credit card. I asked for verification and they sent me a copy of a letter from Capital One stating that XXXX XXXX XXXX has the debt, HOWEVER ; PRIOR to this, the debt was DISMISSED by XXXX XXXX, so this debt does not exist. It was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Fay Servicing, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Received a modification in XXXX/2021 and started falling behind as the payments increased to approximately XXXX from XXXX. I was foolish to have accepted the offer! 

I have tried 5 times a request of loss mitigation and have been offered a deed in lieu which I have not accepted. 
My grievance is that the mortgage was modified to an increased amount based on my existing salary which was lower than it is now. 
I now have a 2nd job and earning more and the company says I can not afford my home- then how did I qualify for the modification! They want my home!!! 

This company is not willing to work with consumers to stay in their homes. 
I have tried to catch up as much as I can paying almost {$17.00}, XXXX in an attempt to get caught up! 

Can you plead my case to this lender? 

Please help me! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore was repaid in late XX/XX/XXXX for past due amounts totally {$18000.00}. This repayment included CORPORATE ADVANCES for {$5700.00}. Foreclosure fees of {$410.00}. 
I made my first payment to them in XX/XX/XXXX for XXXX and ask for update payoff in which I received. 
My update payoff included another CORPORATE ADVANCE fee of {$750.00}. 

I am XXXX years old and have this property listed with my realtor in which I DEMAND Rushmore refund me ALL CORPORATE advances due to DODD FRANK rules and REMOVE the XXXX current charge on my payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Siwell Inc
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2014 I have refinanced my second house ( Condo ) in XXXX Florida with XXXX XXXX XXXX and mortgage included escrow account which covered taxes and insurance along with the interest and insurance. I was making regular monthly payments for entire amount which included taxes and insurance and never been late with my payments until my mortgage company lost my property due to non payment of property taxes. In meantime I had moved and County clerk sent a foreclosure notice to my old address but I never received it and was returned back to the county clerk as non deliverable. County Clerk also send notices to the Lender but they failed to make any payments ( even dough they have received my payments on monthly basis. ) and my property sold to the highest bidder at a tax foreclosure sale auction. When lender found out that they lost my property to contacted me to see if I would take the property back if they can reverse the foreclosure sale. I agreed to take it back if they can reverse the sale. They went to court for over 2 years and they lost the case and winning bidder still owns the property. I tried to negotiate with my mortgage but they don't want to compensate me for any losses or give me any money for damages. Only thing they offered is wipe out the loan principle balance. I am in court with them trying to get any relief from them. I just got to know about your company and now I am reaching out to you if you may help me with this matter. Address of my property that I lost isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Opened a Truist account online on XX/XX/XXXX, deposited money, got XXXX emails over the next few days everything was fine. Card was shipped, etc. Then I tried to check my balance on XX/XX/XXXX and was told it was shut down and I had to go to the bank. Went into the branch on XX/XX/XXXX spoke to XXXX and they verified my ID because it said that's what was needed. Then she saw it was closed for fraud, so she called the fraud department, they said they would get back on Monday. She called me today XX/XX/XXXX and told me to call the fraud department. I called them and they said I had to go to the branch, so I am back here now and they refuse to reopen the account because they cite fraud but they refuse to tell me how or what kind. I assumed it was because of my full legal name change last year, because that's what I was told by XXXX and that I'd need to verify myself at the bank. Except at the bank they say that's not the issue. Unbelievable they didn't try to verify my identification if they saw XXXX different names connected to my social security card. It's not fraud on my part but it would seem that way on theirs. I want this bank to apologize and give me a valid reason as to why they can't leave my account open.

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 2019-05-27
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:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX ,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: TN
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 a natural person, I am a living human being. I have rights under 15 USC 1681. XXXX, XXXX, and Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, XXXX, and Equifax written permission to furnish these accounts. 











XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, Location XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry Type Individual Requested On XX/XX/XXXX, XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry Type Individual Requested On XX/XX/XXXX, XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX LA XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, TX XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Inquiry Type Individual Requested On XX/XX/XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX XXXX XXXX ) Requested by : XXXX XXXX XXXX XXXX XXXX Inquiries in the Last 3 Months : Requested on : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Requested On Phone XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX ) XXXX ) Requested by : XXXX XXXX Checking Account Closures in the Last Month : Requested on : XX/XX/XXXX, XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry Type Individual Requested XXXX XX/XX/XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, OH XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, TN XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX - XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent Experian a dispute letter on XX/XX/2022 in regards to FRAUD on my account. 

They have not responded in the thirty days allowed them by the FCRA and that being the case, the law states that ALL disputed items 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 2022-01-06
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.

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 2022-12-01
Company: EQUIFAX, INC.
State: LA
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 previously disputed a collections account reported on my credit report with Equifax and XXXX. I disputed the reported item from the collection agency XXXX XXXX, ( original creditor XXXX XXXX ) because I requested to end the services with the telecommunicatins company, XXXX XXXX, and had a XXXX balance with nothing else owed on my account at the time the account was closed. Each time I disputed this item with the credit bureaus, I requested that the collection agency provide the original contracts from these telecommunications companies, as well as proof of the remaining balance owed. The collection agency was only able to verify I was once the account holder. Neither Equifax or XXXX investigated beyond this. They did not require the collections agency ( XXXX XXXX ) to provide any documentation to verify their claim of the amount owed. This item is still reported on my credit report and adversely affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was sent two unsolicited credit cards, a visa and an XXXX XXXX. I have been trying several days to cancel the credit cards and each time I have been transferred over 3 times and have waited several hours just to speak to a fraud representative. After calling over 3 times, the bank has still been unable to cancel the cards. I would just like to reiterate these cards were unsolicited.

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 2021-10-06
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: Information belongs to someone else

Complaint:
Experian is reporting and u verified collection on credit report by XXXX XXXX XXXX in the amount of {$960.00} Both experian XXXX XXXX XXXX are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 
A bill is not a contract They are required to provide the original contract agreeing to pay this amount of XXXX $ bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance Please

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 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have discovered i have several alias 's and that i have at least 1 of the following invisible loans : auto, student, and mortgage. I have never opened any of these accounts, all of my student loans are paid in full. I would like to know everything about these invisible accounts as theyre all fraudulent.

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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted 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 2022-12-03
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX # XXXX under XXXX XXXX XXXX, 15 USC 1681 section 602 A. States I have the right to privacy. USC 1681 section 604 A. section 2 : it also states as a consumer reporting agency can not furnish an account with my written instructions. USC 1681c, ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antidates the report by more than seven years. USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: SUNTRUST BANKS, INC.
State: OH
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:
XXXX is reporting false accounts on my report and I haven't been able to open a bank account. I have been a victim of identity theft and my character is being assassinated and defamed. Someone stole my information and opened bank accounts. XXXX  is reporting identity theft and fraud on my name by having this accounts on my report. 
SunTrust, XXXX, XXXX, XXXX XXXX financial institutions have been reporting balances owed, I never opened accounts with 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 2019-05-27
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received ONE letter of communication from XXXX XXXX dated XX/XX/2019. On XX/XX/XXXX I sent a letter to XXXX XXXX requesting validation of debt including breakdown of all charges, dates of purchase and items purchased including any and all fees or charges included. I waited 30 days and I received nothing. 
On XX/XX/XXXX I sent a follow up letter reminding them they were in violation of the FDCPA by not responding within 30 days and requested the information again. 
As of today I have not received validation of debt as requested.

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 2018-06-01
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a number of times contacted this company about private loans and this includes a career training loan. I have asked for them to lower payments or make it at least manageable to pay back. They stated the lowest they could make it was XXXX that is only for a year and then they would have to relook at the accounts and see if I would be able to keep it. They originally wanted over 800 dollars from me which is an entire paycheck. I have done my best for a year and now they want to up not only those loans but all of my payments on all my loans. I already pay over 600 a month, and am barely getting by. I am literally filling bankruptcy on my other debt because I can't keep up. My career training loan, was years ago and I can't seem to put a dent in it at all. Not to mention the school was not accredited and basically a scam and they ended up changing their name and closing a couple years later. When I asked the company of loan forgiveness as the school closed later they said their was nothing they could do for me. This company is a trap, and if I knew then what I know now I would have never gotten loans period. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
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: Their investigation did not fix an error on your report

Complaint:
Bankruptcy DISMSD/CLSD XXXX I have been informed by the courts that they did not verify this for no bureau. Consequently, litigation may follow if it is not removed immediately ... this is false and inaccurate ... I have never filed Bankruptcy ... You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A.  law and is a violation of my rights..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-27
Company: General Motors Financial Company, Inc.
State: TN
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:
On or about XX/XX/18 an inquiry showed up on my credit reports from GM Financial that does not belong to me. I have never applied to any place by this name. I never heard of them. I did not authroize anyone from here to pull my credit. This is NOT mine.

Company response to consumer: Closed with explanation