BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: Midwest Recovery Systems
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
False information on credit report with XXXX. They did n't remove it but the debt is not mine, never has been. No contact has ever been made by by the company -- -scam. Midwest recovery systems needs to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Shellpoint. I repeatedly called and requested my new loan number and payment information. I finally got auto-pay set up successfully and the first payment was drawn. It draws it from an account that I do not closely monitor, and I set up the autopay on DAY 1 so that I would never be late and never have to worry about. In fact, I pay an additional $ of 200 to 2000 to the principal each month. Imagine my shock when I opened the mail today, and it is from Shell Point stating my mortgage is in default by TWO MONTHS. I called immediately. After waiting on hold for six minutes, I spoke with a representative. I explained the problem She CONFIRMED that YES she shows my account is in fact ACTIVE and on AUTOPAY and said she did not know why it was not withdrawing the funding, as everything was set up correctly. I said, okay, so please fix it because I am trying to refinance a house and and I need my XXXX and perfect credit to be dead on right now!!! She said she could NOT help me because my account was past due. I said, but you can see right there, it is on autopay. I can pay the amount but I want the autopay fixed and I want any late charges taken off and NO credit reporting. She said she had to transfer me. She transferred me where I waited on hold for another 16 minutes. THEN, it finally started ringing. And then it rang and rang and rang. I let it ring for an additional five minutes, and nobody ever answered. Being concerned I went BACK ONLINE and paid the two months. HOWEVER I want the autopay issue fixed, as they admitted it is their fault. ALSO thank goodness I could pay immediately, otherwise, I would not have even been able to pay the mortgage since I got a 20 minute run around!!! This company is garbage and it feels predatory. I always pay my mortagage on time and early and extra principal. The fact that their autopay has a glitch should not penalize me. I am concerned over my credit and the fact that this company can not even get me in touch with a PERSON to talk to and resolve my problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXXXXXX XXXX extorted money from me. They were NOT within Legal right to impose Escrow on my mortgage NOR were they within legal right to PAY my property taxes. Nor did they PAY a REAL homne owner insurance company any payment to cover my home for that moment of lapse in payment due to them paying it BEFORE me. Also, there was NO detailed statement EVER sent to me at my on record address showing a breakdown of what my additional XXXX in closing went to. They issued a mortgage statement for year end that was Inaccurate to reflect NO Property taxes paid yet I sent them a Cashiers Check with Property Taxes Typed specifically on it. They attempted to STEAL my property with in the final 6 months of me being considered Florida resident. I have a Photo of my BALANCE as reflected on Equifax in XXXX. XXXX balance. Not XXXX. XXXX never provided an Origional mortgage document because the loan was Purchased from XXXX XXXXXXXX XXXX who tried these very same tactics on me in the past unsuccessfully and they sold the paper because they themselves DID NOT HAVE MY ORIGIONAL DOCUMENTS. My document stated ONLY Principal and Interest. NO ESCROW. Period! My Equifax NO LONGER even shows my XXXX half of servicing or PAY OFF!! My score dropped 100Points. It only reflects XXXX XXXX XXXX and as sold paper. Not PAID IN FULL!! THIS IS PREDATORY!! This is FRAUDULENT! Not only did I HAVE to take a loss on the sale of MY HOUSE, I had to use all proceeds to pay off the NEW bathrooms, Air conditioner, Stove and Garbage Disposal I had Just installed in XXXX and XXXX. IF I am FORCED to take this loss, my credit should reflect I AM PAID IN FULL ON A Mortgage for $ XXXX Balance. SHAME ON XXXX TO STEAL FROM ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Experian Information Solutions Inc.
State: FL
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:
Please be that advised this statement and request submitted through the CFPB will serve as a formal complaint that the Experian Credit Bureau failed to properly conduct an investigation/dispute wherein the company, did not acknowledge my dispute, respond to my dispute, and failed to notify me of any results and/or updates regarding the disputed accounts within the federally controlled/allotted days of 30-45 days according to the Fair Credit Reporting Acts Guidelines of handling a dispute. My dispute was sent in XXXX XXXX XXXX sent certified mail with USPS Tracking # XXXX As per my civil rights, the items I felt are inaccurate. It has been well over 30 days and I have received no reply. I have included a copy of my original mailing and my mail receipt for your records as well as mine to which I have submitted this dispute. Please take immediate action to rectify these issues. 
I look forward to your timely response and to receiving an updated copy of my credit report as per my initial request where the items in question should be deleted. TIME IS OF THE ESSENCE.

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 2018-04-08
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Card used for one fraudulent purchase. Citibank chose to text me at XXXX XXXX (! ) and call multiple times beginning at XXXX XXXX, which was XXXX XXXX  because I was traveling in XXXX. 

Why did they not simply send an email or letter about that fraud? Asked me about two or three other  charges and those were legit. 

Upon statement review, I have found other fraudulent charges and it's been a HUGE pain to get them to do anything about the other fraudulent charges. Including a 1-way ticket from XXXX to XXXX on XXXX XXXX for a passenger who's name does NOT match my name as cardholder. 

Complaint 1 ) NO TEXTS OUTSIDE OF BUSINESS HOURS Complaint 2 ) NO CALLS BEFORE XXXX XXXX   EASTERN IN CASE CUSTOMERS ARE TRAVELING IN THE US Complaint 3 ) MAKE IT EASIER TO DISPUTE CHARGES. SHOW THE SAME SENSE OF URGENCY IN FIXING FRAUDULENT CHARGESAS THEY DID TO CUT OFF MY CARD. 

It's clear they care a ton about Citi. Too bad they don't care about their customers nearly as much.

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 2018-04-08
Company: Santander Consumer USA Holdings Inc.
State: CT
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 called them To settled to pay a lower amount with the collection agency & they agreed to remove & mark my account paid in full. They lied its still shown on my credit reports in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
I sent XXXX XXXX XXXX a USPS Signature Required, Cease and Desist Letter, to stop all forms of communication with me on XX/XX/XXXX order number XXXX. This letter was signed for by XXXX XXXX XXXX. I have now started to receive letters from XXXX XXXX   XXXX again today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Commonwealth Financial Systems, 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: Old information reappears or never goes away

Complaint:
A group of doctors from XXXX hospital are trying to get the money from me that I keep fighting for medical malpractice in XX/XX/XXXX underneath different debt collectors.. now it was all sold to Commonwealth. The malpractice is they kept saying noting was wrong with my XXXX and yes I can get previous prove that something was wrong with me XXXX and a doctor concealed it too in his doctor office since I had the XXXX as well he admitted they messed up on my XXXX XXXX as well. XXXX XXXX. 
also here what common wealth really is a backdoor. I contacted them today XX/XX/XXXX and the guy said to bad so they don't care.also old debt from XXXX and XX/XX/XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
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:
I have made numerous formal complaint through the consumer Financial Protection Bureau and via mail to report inaccurate and incomplete information reported by XXXX and XXXX accounts listed on my credit report. According to FCRA 611 ( A ) ( 1 ) ( a ) I am entitled to a re-investigation. I have provide documents given to me by both credit furnishers through a federal agency which shows the authenicity of the information. I request that these two files be deleted immediately as in the past they have your agency have reported them verified and accurate when clearly they are not Also your agency  has failed to state that XXXX purchased this account from XXXX as previous account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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 have requested to have the following items properly investigated and removed from my credit report as they are not accurate and should not be on my report. Also my score does not accurately reflect my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
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:
INACCURATE INFORMATION ON CREDIT REPORT. WRONG SOCIAL SECURITY FTC VIOLATION XXXX/XXXX XXXX - {$1700.00} - DOES NOT BELONG TO ME HARD INQUIRIES - US SM BUS ADMIN 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 2019-04-11
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 information incorrect

Complaint:
I noticed that some of my accounts have not been being updated regularly and have missing payments. Please review and update all active accounts on my credit profile to assure they are accurate

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 2018-04-23
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Was forced to file Chapter XXXX Bankruptcy in XX/XX/XXXX Chase did not show up at bankruptcy court I am not liable for the debt that Chase is foreclosing on Chase reps have been impossible to deal with I HAVE STRUGGLED TRYING TO SAVE MY HOME FROM FORECLOSURE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions 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:
I filled Bankruptcy onXX/XX/XXXX, because I had no other option. I was XXXX XXXX from the XXXX XX/XX/XXXX. I am XXXX  % XXXX, and could not maintain where I was or what I had. Numerous attempts were made with lenders to help, and none wanted to assist at all. I received negative reports from the accounts. I had XXXX XXXX with my truck that I returned openly. The reason for this is also Experian is reporting my accounts that were listed on the Bankruptcy as negative accounts when they should be closed, and its affecting my reports. My wife has sent letters to all three reporting agencies, and nothing has changed as of yet. Experian is the worst, but the other agencies are also not accurate. According to Section 609,611, and 623 XXXX was suppose to notify people about inquires on their report that were added back after they lost them on accounts. What they did is just put them back not knowing if it was correct, and not following guidlines. 

Installment AccountXXXX  XXXX StatusClosed Balance {$47000.00} Credit Limit {$0.00} Past Due {$2000.00} Date OpenedXX/XX/XXXX Monthly Payment {$870.00} Date Closed- ment History 22N/A 1Negative 1Reposession,  Pay Payment StatusRepossession

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 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
From my understanding when you dispute a collection and/or pay down your credit cards your credit score stays either the same of moves up. Why is that my credit score drops drastically when there nothing but positive be changes? Transunion has the worst customer support and seems to me unfair credit reporting

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 2018-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A close out check was sent and received on XX/XX/XXXX in the amount of XXXX from Capital One. Prior to this, a supervisor whom I spoke with a week before got a rep from Security in take team on the phone with myself, a rep my the name of XXXX ... She informed me she had spoken with the investigator handling my account, she was told to go ahead and close account, get a check sent for balance in the amount of XXXX. The check was received on XX/XX/XXXX, deposited to my XXXX account the same day. Capital One placed a stop payment on it which has caused my account to be come overdrawn the entire amount of check plus numerous overdraft fees, a total of 14 in the amount of XXXX each plus a returned check fee in the amount of XXXX. It appears another check was supposedly sent out on XX/XX/XXXX, which I did not receive. I left for vacation on XX/XX/XXXX, I was in XXXX XXXX until XX/XX/XXXX, itinerary is available from XXXX. When I arrived back home, no check was found in my mail or anywhere for that matter. Messages have been left for a XXXX XXXX whom does not return them, a total of seven ( 7 )  messages left thus far, none returned. Please note, this occurred during my vacation, I was without money and my trip ruined. I am currently seeking legal help for this matter, Capital One owes me a total of XXXX in overdraft/returned check fees plus XXXX which they stopped payment on. The total claim not including distress from loss of funds during vacation is XXXX, please advise Capital One I need a check for this amount ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-23
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
Negative Credit Reporting in error for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX due to break in service by Navient and unfair and unjust lending service and standards. Navient broke service failing to notify co-signor of loan amount due and status of loan, due to data base error on Naviet 's part during the time period of XX/XX/XXXX - XX/XX/XXXX. Navient had a database error and replaced current address co-signor provided and requested she be notified at, with old XXXX address resulting in co-signor not being promptly notified regarding student loan payments not being made in full. Navient in error replaced the co signors current address on file, with a XXXX address file from when the co-signor was a young girl with a SallieMae student loan outstanding, which was paid off in full prior to co-signing the military veterans loans. Naviet sent personal loan information to an unauthorized address instead of the address provided to the lender by the co-signor and caused a negative credit rating for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, as well as, undue risk to the co-signor. Once co-signor was made aware of issue co-signor promptly took action and put loan in good standing. Loan was being paid on during period of concern by borrower. Negative credit reporting on co- signors credit for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX should be promptly reversed due to break in service error by Naviet . Navient had good address on file for co-signor and co- signor made every effort to correspond with lender at all times. Navient broke service with co-signor regarding the financial product during the period of XXXX XXXX XX/XX/XXXX although address was readily available listed under co-signors social security number with Navient . Do-signor was always willing and able to pay on the loan cosigned which generates substantial income for Navient at a 4.5 percent rate. In addition, Navient Student loans cosigned were being paid on, small amounts of payments were being made by military person and his wife during the entire time period concerned. Family with XXXX children did their best to keep the loans in good standing while undergoing financial hardship. Once I was made aware of issue I immediately took action to pay on loan and put it in good standing. Co-signor has excellent credit otherwise and pays all bills at end of month, no other debt outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I was informed that my Regions credit card account was in default for several months, even though a had set up the automatic bank debit feature, as all other accounts in my possession, the bank account was not debited and they reported me to the credit reporting agencies lowering my score considerably. On XX/XX/XXXX, I called the company and talked to four different people and was transferred four times, this took over an hour, it was impossible to reach the right department. Proceeded to place another complaint through the web page and they are not responding again.

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 2018-12-10
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Consumer Adjustment Co added 4 collections to my credit report XX/XX/2018. An account duplication was also noted when reviewing my credit notifications. All debt with XXXX XXXX XXXX XXXX and Hospital are paid in full as of XX/XX/2018. This can be proven with receipts, or by contacting XXXX XXXX XXXX XXXX or Hospital. I already contacted them, they stated all debts are paid in full. These collections need removed. A dispute has been filed as of XX/XX/2018.

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