BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-23
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX , XXXX collection agency keeps calling me and sent me a letter regarding an account that I do not have with them. I requested them to provide me the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt. To date I have not receive this 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 2020-04-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND USED THE CREDIT CARD FOR THEIR BENEFIT, THE CHARGES AND THE CARDS ARE FRAUDULENT. I DON'T KNOW HOW TO REMOVE THESE FRAUDUELENT ACCOUNTS 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 2018-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit Report is reporting wrong information. Report is fiction

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 2019-05-22
Company: TCF NATIONAL BANK
State: OH
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:
GATEWAYONE LENDING Account # XXXX Date Opened - XX/XX/2013 Balance - {$16000.00} Not my account. Shows open with several late payments. After continued requests to remove this error from my credit reports, I have gotten no response from GatewayOne Lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

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 2020-04-29
Company: Experian Information Solutions Inc.
State: AL
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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and the account in question is XXXX XXXX. 

On XX/XX/XXXX I spoke with XXXX XXXX ( Executive Office of Customer Advocacy ) to discuss the accuracy of reporting using their system generated data being reported to your computer data. 

He advised that according to Experian, XXXX, and XXXX  the discharge date of the bankruptcy filed XX/XX/XXXX was discharged XX/XX/XXXX in which this is where XXXX got their information from. In addition, he also advised that the first date of delinquency was XX/XX/XXXX and was reported 60 days late on XX/XX/XXXX. According to Experian, the first date of delinquency is XX/XX/XXXX and there was a balance of {$1600.00} which is not indicated on either report. 

Why is there not a payment history for XXXX  or Experian to reflect the reporting and why was the payment history removed? As there is no uniformity or consistency amongst the reporting. 

Please send me copies of the documents that you have in each of my files for Experian, XXXX, and Experian. files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified using the E-Oscar system. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items 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 explanation
Consumer complaint received 2019-06-24
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attempting to collect a debt I don't know. Tried to get resolved previously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient had notoriously taken my over payment and applied it to interest and advancing my payment due date, rather than applying my extra payment to the principle of the loans. This extends the life of the loan and the financial hardship on myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: AL
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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and the account in question is XXXX XXXX. 

On XX/XX/XXXX I spoke with XXXX XXXX ( Executive Office of Customer Advocacy  ) to discuss the accuracy of reporting using their system generated data being reported to your computer data. 

He advised that according to XXXX, Equifax, and XXXX  the discharge date of the bankruptcy filed XX/XX/XXXX was discharged XX/XX/XXXX in which this is where XXXX got their information from. In addition, he also advised that the first date of delinquency was XX/XX/XXXX and was reported 60 days late on XX/XX/XXXX. According to XXXX, the first date of delinquency is XX/XX/XXXX and there was a balance of {$1600.00} which is not indicated on either report. 

Why is there not a payment history for Equifax or XXXX  to reflect the reporting and why was the payment history removed? As there is no uniformity or consistency amongst the reporting. 

Please send me copies of the documents that you have in each of my files for XXXX, Equifax, and XXXX. files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified using the E-Oscar system. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The company is reporting inaccurate information on 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 2020-04-27
Company: Experian Information Solutions 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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX  XXXX {$910.00} XXXX XXXX XXXX   XXXX {$920.00}

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 2019-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i was denied a home loan modification by bank of america. they are the loan servicer for XXXX XXXX XXXX XXXX. i had to fill out a separate XXXX XXXX XXXX financials. I am in bankruptcy ch XXXX for the 4th time as the judge allowed it due to a hardship. my son passed away in XX/XX/2017 due to a XXXX XXXX, his 7th and final. My wife found the body. We both have XXXX, but my wife has XXXX. We were asked for a hardship letter describing details, probably focousing in the mental aspect versus the sever monetary issues that developed due to these many issues. 
In the denial letter they stated that my income was not enough to support anything besides a short sale. When i asked them what level they were using, and what level would make it work they said they could NOT provide me that 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 2021-10-17
Company: SYNCHRONY FINANCIAL
State: NY
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:
The default payment method on my PayPal account is my checking account. It appears PayPal overrides that setting and sets PayPal Credit as default in another section of their website and charges new purchases to the credit account without the customers knowledge. I thought my purchase costs were going to my checking account. PayPal refuses to correct this error. They have charged my account an outrageous amount of interest for years during their shady practices. I believe they've charged the credit account with purchases I didn't authorize. I've never been late with a payment yet they charged me a late fee. All my calls to them went on deaf ears. They've been doing this to me for a long time and I never noticed until now. I feel hopeless and victimized. Please help me. I'm a single mom and cant afford to be I this much debt. I want and need my money back.

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 2019-03-23
Company: Innovis
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: Information belongs to someone else

Complaint:
This is a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have filed several complaints against Wells Fargo, and the opposing counsel, Attorney XXXX XXXX XXXX # XXXX, has committed several legal violations. For example, he has severely violated his oath as an Attorney in the state of California, and is totally corrupt. Again, he has issued me a fraudulent document which consisted of a mortgage note that was falsified due to the fact that it did not match the original copy of the mortgage note. In addition, Attorney XXXX XXXX XXXX has been indulging in dual-tracking while a loan modification was in progress, sending me direct emails, and letters instead of communication with my legal counsel. In addition, Attorney XXXX XXXX XXXX attempted to have someone deliver personal papers to my next door neighbor that consisted of information regarding the status of the subject property, and was discussing the foreclosure attempts regarding the property with a friend of mine who is an Attorney, but is not my legal counsel. My neighbor told the individual at the door never to come back to his home again. The auction of the subject property is scheduled for XX/XX/2019, and Attorney XXXX XXXX, has not offered any alternatives to the foreclosure process. Finally, Attorney XXXX XXXX needs to lose his license to practice law in the state of California.

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 2019-03-23
Company: Performant Financial Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company called from phone number XXXX. They called my girlfriend, my girlfriend 's Dad, my girlfriend 's Mom, my Dad and my girlfriend 's office so far ( and possibly more that I do not know about ). They are harassing everyone that I know with phone calls asking for my personal information. I have not received a letter with any information about this " debt '' and there is nothing listed on 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 2017-11-11
Company: Experian Information Solutions Inc.
State: TX
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:
StartingXX/XX/XXXX, the three major credit reporting agencies, Experian, XXXX, and XXXX were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As of XX/XX/XXXX, the inaccurate information is still reporting on my XXXX, XXXX, and Experian credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact XXXX to correct the error. XXXX does not match public record data to consumer credit files for XXXX. XXXX performs this matching themselves. 


XXXX, Experian, and XXXX refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, Experian, XXXX, and XXXX to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.

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 2018-11-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have asked XXXX to validate the debt they are trying to collect on, find attach what they send me every time I request validation I have ask them to send me the contact information to the original creditor, I have ask that they send me a contract with my signature, in which case I have received neither of what I have requested, I do receive that they have verified with there client and I need to pay. These letters they send does not meet validation required by the fair credit reporting act, this is the same information they send to the credit bureaus. so not only is XXXX is in violation of FCRA so is XXXX. 
on top of not validating these accounts, there showing that I have owed {$80.00} as of XX/XX/XXXX, but in there letter they are stating the service date is XX/XX/XXXX which is re ageing this unvalidate debt, which again is a violation of FCRA, The other account is reported as in debt as of XX/XX/XXXX, in there letter they state {$480.00} service date of XX/XX/XXXX again re aging a debt. find there letter if they would like to see all letter which are same sent to me but different dates, there has not been no proof sent that these are my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
So I have been to chase bank a few times and sat down with a banker to try and open a checking and savings account and everytime.i go in they deny me. I had another bank account at another bank but I already paid it off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: TX
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:
Incorrect information is being reported on my behalf I have disputed the item and it has came back verified but they have not sent me the information they used to verify that the item is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX and XXXXXXXX XXXX  sold XXXXXXXX XXXX fraud, corrupted and scandal VA Loan to Round Point to collect and foreclose my home. 
In which on XX/XX/XXXX till present VA Loan is a fraud in which XXXX XXXX was notified and they still accepted the fraud, Scandal and corrupted VA Loan from XXXXXXXX XXXX of Texas on XX/XX/XXXX. 

First Round Point investors is trying to collect {$260000.00} from me, because Texas collection Laws defends and supports billionaires lenders like Round Point. 

If lender wants to settle and get the house back, they can just provide me what I have stated on various file complaints. 
XXXX XXXX, XXXX homes builders, XXXX XXXXXXXX XXXX and now new Va lender Round Point Mortgage are are Discriminating, Retaliating and Harrassing me because of my Military Veteran and XXXX status. 
I am XXXX, Retired .Divorced since XXXX and I leave alone in my home since XX/XX/XXXX till Present.

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