BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: 21ST MORTGAGE CORP.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
21st morgage company several times we call our home was never finished for starters there was and still is mold here and there but our roof leaked for 6 months nobody would help anyways ive called to make my payment yes i was late its been very very hard with XXXX  and my bad accident which has left me with a XXXX and neck and back major issues including surgerys now soon XXXX but i call to make payment they fight cuss argue to the point i have to call 5 times in a row and finally they will take payment i also have told them were are having a hard time and asked for relief due to covid really affecting us but no they say we are not backed federally we wont help everytime they have sent 2 notices of intent to forclose when we were only a month behind they bully us constantly and call me names cuss at me refuse our payment among many other issues im going to lose this house if i cant get help or relief then where are me and my children going to live covid has really hurt us in so many ways and 21st morgage are the worst ive ever seen nobody can believe how they talk to us many have heard while im on speaker deny payment and or harrass me until im ready to give up on it all then send harrassing letters 15 days in on being late saying intent to forclose please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjustment bureau - XXXX - is reporting an erroneous account on my credit and showing a balance. I have disputed this several times with the bureaus and they claim it is valid and it OBVIOUSLY IS NOT! 
This debt was paid prior to even going to Knight adjustment bureaus and it was sent to collection in error. Now they keep reporting and updating a BALANCE on my credit file even though their own note on the accounts shows SETTLED FOR LESS!!! 
So how can this be valid? it is a clear and obvious violation and it has just affected my financing. I lost a house because of this so I have notified my attorney to pursue legal action unless this is removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was over charged on my XXXX 's account this was evident by a credit I received from XXXX who underwrote the account. This has been an ongoing dispute with the Credit repositories, I was asked to send in my proof for my dispute, however, I was not able to upload the documentation. When I called XXXX that were not able to tell me why their system was not working then requested I mail the documentation for dispute along with my drivers license, paycheck, and social security card, when I asked why since this was a ongoing dispute I was not given an answer I asked to speak to a supervisor, I was assured one was calling me back today it didn't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, INC.
State: CA
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:
Dating back to 2015, I was a victim as were several others as prolific identity theft through at uncontrolled mail room. I alerted Equifax and XXXX or XXXX of my status of having my identity stolen and have been on dozens of calls many promising unreturned phone calls since then. I utilized the CPA, specifically 15 U.S. Code 1681c-2 with all the relevant and required information and a block on my identity stolen XXXX account XXXX. This block was later removed at the request of the creditor and I have called or disputed this account no less than 12 times since then. 

All creditors have an incentive to hold the consumer responsible for charges, less they have no hope of recovering them. This is why the after mentioned statute does not even mention the creditors opinion but instead sets out three criteria in which the CRA can remove a block, none of which apply to me. The black was nearly removed at the creditors request without an investigation by Equifax and I was not informed of any of this, thus violating point 2 of the aforementioned statute. They refuse to reinstitute the block in four days as prescribed, and instead continue to run disputes of 30 days, which the creditor denies and this it remains on my credit report. 

This is especially troubling, because I'm trying to buy at home and the difference in the credit scores between the different agencies vary by over 100 points affecting my rates significantly. I've received no communication about why the black was removed of which there are only three reasons in which it should be and none of them have to do with just the creditors biased opinion but with facts that could be relayed by the creditor but must have been communicated to me in a timely manner and still cant be communicated every time I call except with a the biased creditor asked us to. I demand that this consumer protectection statute be observed and this XXXX account be removed from my Equifax report as it has been by the other major agencies. 

Equifax has been in violation of sections ( b ) and ( 2 ) and has been through multiple complaints. The statute places all the onus on the CRA and not the creditor and their refusal to comply has passed every reasonable time line. I expect this issue to be resolved immediately, unless they can show ( 1 ) ( A, B, or C ) yet I have received no communication from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
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:
The item on my credit report, XXXX XXXX XXXX, which is a revolving credit account that has been closed, is inaccurate because the current balance of {$300.00} should now be updated to {$0.00} balance, due to a settlement agreement ( please see attached copy of settlement agreement and terms ) which I have complied with all stated requirements in agreement. The settlement agreement states that I am to pay {$250.00} on or before XX/XX/2020, to collection agency XXXX XXXX XXXX , XXXX . who represents XXXX XXXX XXXX for the debt owed. Additionally, I was to sign and return original settlement agreement to collection agency XXXX XXXX XXXX XXXX XXXX XXXX 
I made payment for {$250.00} on XX/XX/2020, ( please see attached proof of payment with date ) and have signed and returned original settlement agreement to address listed on paid postage envelope provided by collection agency XXXX XXXX XXXX , XXXX . that represents XXXX XXXX XXXX XXXX please see attached settlement agreement copy that I have provided for record ). 

I have been unsuccessful with disputing and having the balance updated to reflect {$0.00} with all three credit bureaus ; Equifax, XXXX and XXXX. I have also reached out to XXXX over several months and they still have not corrected what has been reported to credit bureaus. They show my payment I made but have not complied with the settlement agreement with collection agency representing them. I have included the settlement agreement and letters sent to credit bureaus, this after several attempts to dispute remaining balance on my credit reports and reaching out to XXXX   over several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: SC
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:
Collection Agency keeps reporting a 6 year old debt as a new delinquency. The Date of First delinquency is XX/XX/XXXX. It has been investigated, corrected and then shows up again as a new debt. 

Collection account is below : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$7300.00} Amount {$7300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX 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 2020-11-04
Company: Experian Information Solutions Inc.
State: AZ
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 XX/XX/2020 i found out that i was a victim of identity theft. i added a fraud alert to my file and sent XXXX, Experian and XXXX  regarding my concerns and to delete all the negative accounts and inquiries that were the results of identity theft. i have sent them more supporting documents to support my request. please see attached FTC  complaint attached to my file. That have all the inquiries and negative accounts listed

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 2018-10-09
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/2018 at about XXXX PM EST, I spoke with an employee of Navient regarding my past due student loan debt. During that call, I promised to make a payment in the amount of {$590.00} on XX/XX/2018. 

On XX/XX/2018 a Navient employee named XXXX called my mother-in-law and my father regarding my student loan debt. XXXX of Navient disclosed both the existence of my debt and the fact that my account is past due to both of those parties, neither of whom are parties to my Navient loans. Navient has not been authorized to speak to either of these people regarding my account. Furthermore, I specifically instructed Navient in a telephone call on XX/XX/2018 that they were only to speak to my husband or me about my account. Navient has violated my rights under FDCPA sections 805 and 806 by disclosing information to unauthorized third parties. 

At about XXXX PM EST on XX/XX/2018 I spoke to XXXX of Navient regarding the aforementioned FDCPA violations. XXXX asserted that his actions were not in violation of the FDCPA. During that phone call, XXXX of Navient refused to stop recording our conversation after I demanded that he do so and asserted that he was no obligation to end the recording. Navients refusal to cease recording our telephone conversation is in violation of Marylands Wiretapping and Electronic Surveillance Act and I suspect that XXXX misrepresentation about my right not to be recorded is also in violation of the FDCPA. 

Upon XXXX refusal to cease recording our conversation, I spoke to XXXX supervisor at Navient who confirmed that they are indeed aware that such a refusal is a violation of law. He refused to tell me what steps, if any, would be taken to correct this behavior and would not confirm that XXXX would not be rewarded for his practices. 

While speaking with XXXX supervisor, it became clear that the XX/XX/2018 phone call and promise to make a payment was not recorded in XXXX internal system. The supervisor accused me of lying that the XX/XX/XXXX phone call had taken place. This is a clear indication that either Navient is not keeping proper records regarding my account or that Navient has compromised my personal information such that someone outside of Navient was able to contact me with information about my account. Either way, Navient has for a third time ignorined my consumer rights in order to collect this debt. Navient is either negligent in their training and supervision of employees or they are maliciously and willfully breaking the law and violating my rights in order to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Collection Agency keeps reporting a 6 year old debt as a new delinquency. The Date of First delinquency is XX/XX/XXXX. It has been investigated, corrected and then shows up again as a new debt. 

Collection account is below : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$7300.00} Amount {$7300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX 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 2018-10-09
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have had a PayPal account now for a few months, so far Ive been able to make one transaction XXXX XXXX XXXX, this transaction was paid with my own account and it cleared and there was no problem with the transaction. Ever since this transaction though I havent been able to do anything with my PayPal account and I mean anything. I call in because everything is denied and they say its blocked by their security system and they can not disclose the reasons why. They advertise all these features but to someone like me who has no negative history with them and has had one successful transaction its seems crazy that I would be Blocked by a security system. I havent done anything wrong to even be on a radar to be blocked and I feel this is a scam to just get people to sign up. I will say my account is fully verified and everything. There literally is no reason I shouldnt be able to utilize PayPal and they wont do anything to resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions 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:
XXXX XXXX account was removed from my credit report in XXXX of 2020, and reappeared in XX/XX/2020. It showed 30 days late back in XXXX when I called to find out what was going on they advised I called to close the account. Ive never contacted XXXX XXXX to close the account, that was the first line. I was unable to view the account online to even make a payment. The access was restricted. They sent me information to review my information to verify if this account is mine. I was locked out of my account for months, received no statements had no idea what was going on with the account. I finally was able to get access to account in XXXX after months of no assistance. I was denied access to my account, they removed the account from my credit report and added it back closed with a 30 day late that was originally XXXX they updated it to XXXX once in the beginning of XXXX before the payment was even due and towards XX/XX/XXXX. The reporting is inaccurate. The account has been closed since XXXX yet it was just updated this month XXXX as being closed. So XXXX XXXX reported my account being opened for months when it never was opened.

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 2021-09-09
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This has to deal with the company Coinbase. I have over {$600.00} in an account which was hacked. When someone was trying to change my password in XX/XX/2021 i reached out to the Coinbase team and noted the issue. They did nothing and over weeks the hacker still was trying to change the password. I was receiving text messages saying my password was trying to be changed and again alerted the Coinbase Team with no response. Weeks later the hacker finally got through and changed the phone number on my account and i was locked out of my account.

The Coinbase team FINALLY responded and " locked '' the account over the past month i have been emailing and calling to try to get back into the account to see where the money is but nothing. I have made 3 NEW accounts ( requested by them ) uploading photos, documents, and videos of me proving this is my account. BUT STILL NOT ALLOWED ACCESS. I has now been 2 weeks since i last heard from them and i follow up Everyday with no response. this needs to be fixed and they need to be accountable it is truly awful service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-06
Company: Avid Acceptance, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has changed its information a few times and reported inaccurate information consistently. From being included on a bankruptcy, incorrect amounts, now incorrect dates ( date of major delinquency now XX/XX/20 )

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 2017-08-04
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a company identifying themselves as " Diversified Consultants, Inc. '' claiming they are attempting to collect a debt for XXXX XXXX as evidenced by information on my credit report, I have not had any account transactions with XXXX XXXX within the last 7 years. This company appears to be either a fraudulent company seeking to steal money or this instance is related to another incident of identity theft I reported to consumer finance earlier this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-26
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Paid off mortgage with Loancare. Letter from mortgage company dated XX/XX/XXXX acknowledging payoff. Called XX/XX/XXXX because we had not seen any change at county recorder 's office. 
XXXX started request fro inquiry, to be completed XX/XX/XXXX. Again saw no record at county recorder 's office and called back XX/XX/XXXX. XXXX found Release and Reconveyance of Deed of Trust had been received back from county recorder 's office and emailed to me.

Found our last name had been misspelled and called back on XX/XX/XXXX. XXXX opened request for inquiry and said to call after XX/XX/XXXX. Called back XX/XX/XXXX. XXXX told me it had gone to county recorder 's office on XX/XX/XXXX and to check back in 1 week. called back on XX/XX/XXXX. XXXX found nothing back, suggested I email XXXX. 
I have now emailed twice. First on XX/XX/XXXX, second on XX/XX/XXXX. NEED EMAIL ADDRESS TO FORWARD EMAILS TO YOU.

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 2018-10-09
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XXXX stay harrasing me about payments my interest are very high also they put me on deliquent, which is not fair i barely get pay enough for them to be to harrass me the way they do they are pretty rude never want to work with client i make payments each month of the amount i can. i regret taking a loan from worst company ever can't wait to pay everything off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX they've turned in their dealer license but I have a loan through the finance company Credit Acceptance Corporation this was on XX/XX/2018 I've been making payments on a car I do not have the dealer has the car and they are out of business as of last week when they turn their licensing after I submitted all my fraudulent complaints on them I still have an issue with Credit Acceptance Corporation I'm paying for a car I do not have

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