BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-22
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: Personal information incorrect

Complaint:
Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX Report date : XXXX XXXX, 2017 This address has pertained to a business : XXXX XXXX XXXX XXXX CA XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX. 
False and if so, someone else has opened this business. 
Also all delinquent accounts pertaining to my credit is from hospitals or medical providers that did absolutely nothing to help me with my condition? Might be a civil matter do n't know if you can do anything about that.

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 2020-05-02
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In a rush I was trying to send money via cash app to my mother to help with a recently passed family member and sent to the wrong cash app account by mistake. I tried to resolve the issue with the person I sent it to ( which I do not know ) but the person refused to refund the money. I disputed the transaction with my bank and now cash app has closed my account without notice which still has funds in it. All I was trying to do is get the money back so that I can send it to the right person but cash app 's support has not responded and doesn't seem to be helpful. Even if they refuse to refund at least reactivate my account so that I can continue to help my family the fastest way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a payday loan from cash first advance of XXXX $ that i contracted in XXXX and loan was place in collection by a XXXX XXXX  XXXX. In XXXX, XXXX, they took off my credit collection. Now they decide to place it back in my credit report but they did twice. they duplicated twice they amount ( XXXX ). I talk to them they don't want to call the originate company to get the correct amount of the debt. I called the first cash advance the originate company, they said the amount was XXXX, but they said they can not provide my a document, they said I should deal with XXXX XXXX  XXXX  witch the third company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for various accounts. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Economic Recovery Consultants, Inc
State: AR
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:
On XX/XX/2020, I received a notice from a debt collector ( Economic Recovery Consultants ) that I was being charged in the amount of {$1600.00}. I reached out to them and asked where this debt originated from and that informed me that it was a medical bill from several years prior, and they received it and was pursuing its collection. The debt originated from XXXX XXXX XXXX, so I reached out to them, and they had no valid documentation of the debt, nor could they provide me with any proof that it existed, basically it was not in their system. I then reached out to the debt collector, and they stated it was valid, and that payments could be made, and that it has been placed on my credit reports as delinquent. Now, according to Arkansas law, there is a statue of limitations on all medical debt of 2 years, and if this is correct, then this debt should be removed from my credit report, as this has caused significant damage to my credit report already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I was a current owner of a XXXX XXXX, purchased at Al XXXX XXXX. My current loan was active and up to date, it was an automatic payment set up. I went in for maintenance on XX/XX/XXXX at Al XXXX and was approached by a salesman to up grade to a XXXX XXXX. I agreed to the trade and was told I would not have any payments for 3 months due to the pandemic and they would contact me once they are able to get my loan approved. On my contract there is no loan company and I never heard from the dealership or anyone regarding me being approved for a loan. On XX/XX/XXXX in the early morning I hear someone in my yard, I took a look out my window and see 3 repossession trucks in front of my home. My granddaughter 's white XXXX XXXX was parked right behind my XXXX and one driver pulled her car out the driveway to remove my XXXX from my driveway. I came out and asked the guy what was going on and he informed me that he was here to repossess the XXXX. I asked him how when I never received a payment notice or book or a late notice. I have lived at the same address for 44 years and have never had an issue with getting my mail. This was not the first vehicle I have purchased and I am not one to be late on paying my bills. I have never had a repossession nor did I retire to be taken advantage of. I have a set income and will not live above my means, I would've returned the vehicle if I could not afford it. I have been embarrassed and feel totally violated by Al XXXX XXXX and Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Convergent Resources, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit reports and XXXX  had a listing for a debt collection agency ( XXXX XXXX, XXXX ) for a XXXX account I never had. I disputed it at XXXX and sent XXXX XXXX, XXXX a letter of my dispute. 
Today I received their response, " This debt is valid, attached is verification of the debt '' and a copy of a XXXX bill with my name and an address and state I never lived at. 
In my research this seems to be a common scam.

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 2018-02-20
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: Information belongs to someone else

Complaint:
Incorrect information on my report, information belongs to someone else. 

XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Addresses : XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NV XXXX Telephone numbers : XXXX XXXX XXXX If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. Thank 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 2018-02-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was purchased by Portfolio Recovery in which XXXX XXXX XXXX XXXX is listed as the original creditor. 

I am disputing this debt and I claim I have no responsibility for it. I have previously disputed this debit and asked for information to validate these debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: National Collection Systems, 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've went to the collection agency and disputed their claim under section 809 of the FCRA. I've sent a letter on two different occasions AND NEVER RECIEVED A RESPONSE BACK. This is a violation of the FCRA and the FDCPA. Why are these laws in place if agencies such as " National Credit MGMT '' aren't going to follow and comply with federal law? 

I sent mail to this establishment twice through the USPS postal service through certified mail. XX/XX/XXXX and XX/XX/XXXX One letter was signed for XX/XX/XXXX The other was signed for XX/XX/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 2021-02-09
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I, XXXX XXXX, am a XXXX helping a seller, XXXX XXXX XXXX, to sell her home. The mortgage company, Shellpoint, is not cooperating with the attorney with the needed documentation to facilitate the loan pay off process. The home being sold is a mobile home and the new lender requires the mobile home titles to be surrendered and the lien released within 5 to 10 days after closing. The seller filed bankruptcy and has already received bankruptcy approval to sell the home on XX/XX/2020. The original contract closing date was XX/XX/2020. The contract has been extended 3 times due to Shellpoint 's unwillingness to facilitate the necessary documentation for getting their loan paid off by XXXX XXXX XXXX. My contact information is XXXX XXXX, XXXX XXXX. The closing attorney 's contact information is XXXX XXXX XXXX XXXX. The attorney representing Shellpoint is XXXX XXXX XXXX XXXX. The loan number with Shellpoint Mortgage is Acct XXXX. Shellpoint 's website is shellpointmtg.com and phone 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 2019-05-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My daughter XXXX XXXX XXXX used my social security number and an old driver 's license to purchase a home without my knowledge with XXXX XXXX in XX/XX/XXXX. I was made aware of this in XXXX when she defaulted and the bank informed me I was responsible. I have contacted the bank and made them aware I have been a resident of Texas since XXXX of XXXX and did not make this mortgage. Wells Fargo purchased the loan company and asked for copies of my signature and original copies of the documentation I had concerning this mortgage. I have never been in the presence of XXXX XXXX, to sign for the first deed. Wells Fargo has since determined it was my signature when it is not because I was not in the state of California. They have also kept all documentation concerning this matter at the request of my daughter. Wells Fargo has refused to remove my name from this account and a letter dated XX/XX/XXXX was mailed to my residence in XXXX Texas. It is escrow documents in the name of XXXX XXXX XXXX and XXXX XXXX that have my signature and has been notarized by XXXX XXXX ( # XXXX ) stating I signed these documents on XX/XX/XXXX. I was never in the presence of XXXX XXXX. I was not in the state of California to sign any of these documents and I know nothing about the purchase of this home nor the mortgage attached. The bank and my daughter have defrauded the state of California and continue to do so even after I have asked them to stop. 

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 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
All Agencies have ignored my request to remove unauthorized 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 2020-05-02
Company: Experian Information Solutions Inc.
State: VA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that was on file of the various accounts. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.Under federal law, you have ( 30 ) days to complete your re-investigation. 

On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were not verified. To date, I have not received a reply from you or any acknowledgment that an investigation has begun.

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 2019-05-02
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a Public Loan Forgiveness payment recount from FedLoan Servicing on XX/XX/XXXX. I have called multiple times including today to check on the progress and have been repeatedly told that it is still in review. When I called on XX/XX/XXXX, the customer service representative emailed the PSLF department requesting that my payment recount be expedited.

Currently, I have 3 loans remaining. FedLoan Servicing has 2 loans ( Loan 1 and Loan 2 ) showing the payment count as 76 Qualifying Payments made with 44 Qualifying Payments remaining with estimated eligibility for Public Loan Forgiveness on XX/XX/XXXX. FedLoan Servicing shows that the other loan ( Loan 4 ) has a payment count of 83 Qualifying Payments made with 37 Qualifying Payments remaining with an estimated eligibility for Public Loan Forgiveness on XX/XX/XXXX. By my calculations, I should have already made 83 Qualifying Payments on Loan 1 and 88 Qualifying Payments on Loans 2 and 4. I just paid Loan 3 completely off on XX/XX/XXXX. I would appreciate any help in getting my payment counts corrected. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. Please remove these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
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:
I have been checking my credit for accuracy and found account in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQUIRIES REMOVE OFF MY CREDIT. PLEASE HAVE THESE INQUIRIES COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.

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 2019-05-02
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Paramount Recovery has repeatedly placed collections accounts on my credit report. The first time around, I sent them a request for debt validation. They did not respond ; however, they deleted the inaccurate accounts from my credit report ( and proceeded to sell them to another collector. ) They now have an account listed for {$1600.00} for me from XXXX XXXX XXXX. I sent a request for debt validation to them via certified mail. They received it, however, they have not complied. Furthermore, another collection agency ( XXXX XXXX ) is attempting to collect the same debt. They also can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: EQUIFAX, INC.
State: NC
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:
All the inquires listed are unauthorized. I demand the authorization and proof of inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CURO Intermediate Holdings
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: Account information incorrect

Complaint:
Negotiated a pay for deletion ; paid in full ; yet the company instead affirmed to the credit reporting agencies that the debt is valid and should remain on credit report. I called them and they stated they sent request for deletion to agencies two weeks ago. However, I spoke personally with all three agencies and they gave me conflicting information. Please intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: NAVY FEDERAL CREDIT UNION
State: NY
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:
XX/XX/XXXX I sent in a dispute to Navy Federal Credit Union and the 3 credit bureaus regarding a credit card that was opened in XXXX. I haven't received a response in the 30 day time frame from when the letter was delivered. My account has 8 inaccuracies. It is well over 94 days and the account still has 8 accuracies and nothing has been updated or removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
XXXX XXXX HAVE AN ACCOUNT LISTED ON MY TRADE LINES ( XXXX ) THIS ACCOUNT CLOSED OUT IN XXXX AND THIS HAS CURRENTLY BEEN REPORTED 120 DAYS LATE IN XXXX WHICH IS IMPOSSIBLE BECAUSE THE ACCOUNT HAS BEEN CLOSED OUT. THIS IS INACCURATE INFORMATION AND SHOULD HAVE BEEN REPORTING ON MY TRADELINES.

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 2020-05-02
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX or XXXX bought home through XXXX XXXX XXXX. After several years, We refinanced it through Conseco mortgage. Conseco then sold it to Green Tree Mortgage. After several years they sold it to Ditech. The home burned down in XXXX or XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX paid the home off to Ditech in XXXX, XXXX. {$33000.00}. Ditech continued to charge interest and we spent several hours on the phone with them every week. In XX/XX/XXXX, The insurance company issued another check to Ditech. They continue to bill us for back payment and interest, after several more months, Ditech filed bankruptcy but we learned through a customer service agent that they did receive the check ( certified mail ) and cashed it for the {$33000.00}, it is listed somewhere in our account, just never credited. We are now getting bills from XXXX XXXX company. Fast forward to today, we received a certified letter in the mail from a law firm, XXXX XXXX XXXX that they will be doing a substitute trustee sale on XX/XX/XXXX. ( The trustee is Green Tree ), selling the land. Hopefully getting in to see a lawyer his week, if everything opens again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation