BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-27
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been responsible homeowners since XX/XX/XXXX, owning our first home and selling it in XX/XX/XXXX with proceeds of {$25000.00} applied to your second home which we currently own. When the Great Recession hit, we kept our jobs and continued to pay on the house. We had an 80/20 mortgage, with the first ( $ XXXX ) handled by XXXX and the second ( $ XXXX ) for a total of $ XXXX by XXXX XXXX XXXX in XXXX. Our loan was temporarily lost by XXXX then rediscovered during the financial crisis. 

We received a modification by XXXX. We continued to pay XXXX all along. Both loans were eventually sold to Shellpoint. 

We paid both regularly until XX/XX/XXXXwhen I was laid off from my job after 13 years, after having to train my XXXX year old co-worker in. We continued to pay despite the financial hardship and Shellpoint worked with us. In XX/XX/XXXX, Shellpoint granted us a modification of {$210.00} which we thought included both loans and gave no indication otherwise. We accepted although our payment was increased to cover missed payments, therefore making things even harder. 

In XX/XX/XXXXwe decided to sell and move as homeownership was deemed too unfair and granted no reward for trying to do the right thing. The market in our neighborhood was on the high upswing and our house went from being under water during the recession ( valued at {$140.00} ) to {$260.00} or more in XX/XX/XXXX. All other houses and owners were getting proceeds from sale. On the day of the closing ( XX/XX/XXXX ), the realty company ( XXXX XXXX ) told us we were underwater plus owed Shellpoint {$11.00}. Shellpoints payoff required $ XXXX on the primary loan including $ XXXX in fees and deferred principle, plus $ XXXX on the second loan, requiring total payback of $ XXXX. This is far in excess of what we purchased the property for initially for in XX/XX/XXXX,  and absent of any equity in 13 years living in the property! Moreover, at the time of sale, our first mortgage, which had been paid down to $ XXXX had $ XXXX of principle added to it by Shellpoint during the modification, unbeknownst to us, while the second loan was at about $ XXXX after 12 years of steady payment i.e. no reduction at all. We decided not to sell as this seemed an egregious act of deception and mortgage manipulation as well as placing homeowner at a complete disadvantage financially. We have been under a forbearance by Shellpoint until XX/XX/XXXX. This is an intolerable situation and manipluation of homeowners. Sincerely, XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Management LP is trying to collect a debt from me that I do not owe. My XXXX  report was reflected a " unpaid '' account status and I've never entered into any business with this company. This entry is defamation to my character, I will not hesitate to file a suit against you in small claims court for this violation of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27
Company: EQUIFAX, INC.
State: TN
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 mailed in dispute letters to the three credit agencies Equifax, XXXX, and XXXX  to have them make the necessary corrections to my credit reports. I mailed the dispute letters on XX/XX/2019 and I have not received a response from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
DURING A DATA BREACH MY PERSONAL INFORMATION WAS FRUADULENTLY ATTAINED AND USED TO GET MEDICAL SERVICE AND ALSO TRY TO APPLY FOR SERVICES THAT RESULTED IN INQUIRES

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 2021-01-21
Company: Experian Information Solutions Inc.
State: MS
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 dispute on XX/XX/2020 and it has been well over 30 days still with no response showing any results or verification of the disputed items in letter. Letters were sent to credit bureaus Experian & XXXX for the inaccurate reporting. These items should be corrected and removed. It has caused tremendous problems for me during the pandemic.

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 2021-07-07
Company: Experian Information Solutions Inc.
State: AZ
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 have continued to request Experian to remove XXXX XXXX XXXX as its not my account. Its now over the 30 days and still no response. Please have them remove this account, its not mine.

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 2021-07-07
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
A bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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: Was not notified of investigation status or results

Complaint:
I feel these are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 60 days, so they should be erased immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sold Bitcoin online on localbitcoins.com using paypal to XXXX XXXX. I sent her paypal invoice to pay on paypal. She wanted to send payment through Family and Friends option. I allowed her to do so. Each transaction was for {$1000.00} totaling {$3000.00} purchased on XX/XX/2018 and XX/XX/2018. On XX/XX/2018 she opened dispute with paypal saying that it was unauthorized. Paypal sent me an email on XX/XX/2018 about this that they are reviewing. I logged in to paypal to find my balance showing as - {$3000.00}. I called paypal and I explained my situation. Later that day I found that paypal had resolved the issue and my balance was back to {$0.00} and not negative anymore. I was so afraid to use paypal again that I decided to close my account as I had never sold and never faced this problem before. Upon closing, I recieved an email from paypal that my account is closed and can not be reopened using same email. Just yesterday on XX/XX/2018, I got email from paypal saying buyers bank requested reversal for all {$3000.00}. 

All 3 transactions were authorized and the buyer sent me her ID with selfie and note saying this was nonrefundable. I also have all her communication and receipt of the sale. All payments were sent using paypal balance and her email. 
For paypal to close the matter and allow me to close my account and then to email me 5 days later does not seem right. If there is a negative balance, paypal never allows user to close their account. But my balance was set back to normal by paypal after they realized XXXX XXXX authorized this transaction and closed the dispute, there was no open dispute upon me closing my account. This seems to me like someone working at paypal/localbitcoins and working together with XXXX XXXX to scam people of their hard earned money by saying unauthorized transaction. This transaction was legitimate. I need your help in investigating this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have an California EDD Debit card from bank of america. Someone captured my card and pin around XX/XX/XXXX and made 4 separate withdrawals over 4 days totaling {$3500.00} and drained my account. The bank is claiming I made the withdrawals but I never did. They have never fully investigated it and are claiming it was me when I was not in the area at the time. They keep closing this investigation without looking at any evidence

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 2020-01-27
Company: Allegiance Accounting Services, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXXthrough the present I have received countless calls from multiple collection agencies regarding a loan with The XXXX XXXX in XXXX Co Utah. I have never been to Utah or had business with a XXXX XXXX. I filed a police report in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. After much harassment and multiple attempts at providing letters from Consumer Affairs, Police Reports etc in XX/XX/XXXX, the loan was removed from my credit report. However, the collection companies change hands and start over a year later, over and over. i.e. XXXX XXXX, XXXX XXXX, and Allegiant. Allegiant is the most current and most rude with threats of Arrest, Court, Legal Summons, fowl language and dozens of calls to my work number.

My credit has always been perfect and I am a 38 year military veteran with a XXXX XXXX. The collections have destroyed my Credit, ruined my life and caused me to lose my XXXX XXXX and job.

I want this to end and would like for these companies to be punished and compensate me for over 8 years of abuse, and to stop passing this loan from one collection company to another.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have made Several payment settlement XX/XX/2018 XX/XX/2018 XXXX/218 and XX/XX/2018 on the first set I needed them send me the agreement in writing called them in XXXX several times trying to see where the letters were and find out what date they were mailed out XXXX acct was for XXXX and settled@XXXX and acct with capital One for XXXX Settled@XXXX These Two Accts. were to be paid by XX/XX/2018 and if I needed more time I was to call them in may I called them again and told them that I still had not received the letters I spoke to a XXXX he then told that the letters were not out because I needed to give them Permission to contact me and call me I ask a fax number so I could send them what they needed XXXX gave me a fax number to fax the release I tried to and their fax was not working I called the back they gave me another number it did not work so I mailed them to them and onXXXXorXXXX of XX/XX/XXXX I called them back to see what was going on I was connected to a Operation Manager she told me that to email her the release and then she would send me an email reply to them by say that I Agree and they would email me the Letters and she would put it until XXXX I never received the email so I called them again and this XXXX they told me that the pay off agreement was no longer and that I need to a higher amount on accts I am still waiting for the email payoff agreement I now think that this their way to get more money I also asked to speck to Corporation., was told that they had no way of connecting me with Corp because of this I have Lost my funding and my3.5 % rate is gone the home was sold to a new Buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have contacted citizens Bank several times over the years regarding student loan payment. I see the bank has filed a lawsuit against me regarding. My uncle who has been deceased since 2017 co-signed and Im not able to make the payments required. It was originally a predatory loan that was approved. I need to get to bottom to this asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WINN LAW GROUP IS TRYING TO COLLECT DEBT THAT DOES NOT BELONG TO ME. I HAVE BEEN A VICTIM OF IDENTITY THEFT THEREFORE RESULTED AN ACCOUNT THAT DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX IS FRAUDULENT, AND NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My former auto loan account XXXX is being reported almost 10 years after the date of first delinquency and it should have been removed in XXXX. According to the FCRA the account is to remain on my account 7 years from the date of first delinquency. I requested an entire copy of my payment history from XXXX. The account was first 30 days delinquent in XX/XX/XXXX which means the date of the removal from my credit report should have been XX/XX/XXXX. The company is only reporting from the year XXXX forward to the credit bureaus. I have attached a full payment history of the entire account from account opening in XXXX to account closing in XXXX for review. Your agent XXXX confirmed the date of first delinquency on XXXX with me via phone.

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 2018-07-06
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification by the credit bureau that a debt was placed on my credit report. The debt has a date listed for XX/XX/XXXX and a debt balance of {$420.00}. I have no knowledge of this debt whatsoever. I sent out a debt validation letter to this company on XX/XX/XXXX and have not received a response. If you can't VALIDATE the debt then it needs to be removed from my credit report. I have attached a copy of the handwritten letter that was sent certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Sequium Asset Solutions, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls from different numbers and NEVER leave a voicemail, but whenever I call the numbers back whoever answers doesn't say a company name they just say they're on a recorded line. After looking to see what " debt '' they may be trying to collect I haven't had ANY accounts with companies listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX is reporting an open account on my XXXX and Experian in the amount of {$2000.00} that does not belong to me. 

On my credit report XXXX XXXX shows this alleged debt was sold to a collection agency and both XXXX XXXX and the collection agency are both trying to collect double on what appears to be fraud. 


I do not have any open accounts with XXXX XXXX and this needs to be removed from all 3 Credit reporting agencies immediately, XXXX XXXX is sending the credit bureaus inaccurate information which has caused me to be denied loans and job employment

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 2021-09-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a few accounts on my report that I do not recognize

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 2018-02-17
Company: EQUIFAX, INC.
State: MI
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:
XX/XX/2018 NOTICE OF LAWSUIT SETTLEMENT OFFER EQUIFAX XXXX XXXX XXXX XXXX GA XXXX To Whom it may concern : I regret to inform you that your company is now the target of a lawsuit due to an endless circle of grief you have caused me. You have violated the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act on multiple occasions as described in the following lawsuit. I have an extensive paper trail along with substantial proof of these violations. 
I am willing to settle this matter and save us both aggravation of fighting this out in court. I am willing to withdraw the law suit upon. 
1. Immediate Deletions of the following Accounts 1. Public Record Account # XXXX 2. Immediate Deletion of all Inquires 3. Removal Of Identity Theft Alerts 4. Update My name and address as per my Drivers License Do these things within 5 days of receipt of this notice and I will immediately withdraw the lawsuit against your company. If you wish to settle this matter you may contact me at the address listed at the bottom of this letter with an updated credit report with the necessary changes Thank You for your help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX DOB-XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: WI
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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-07-07
Company: EQUIFAX, 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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$1800.00} XXXX XXXX XXXX {$23000.00}

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