BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was victim of identity theft as a result of being XXXX  and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: American Credit Acceptance, LLC
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX  XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX. XXXX, 2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my FHA loan in XX/XX/2018. It clearly states in the contract that homeowners insurance and property taxes are to be escrowed in. My mortgage was almost immediately sold to XXXX XXXX XXXX. I noticed right away that the payment did not include insurance and tax. I have called XXXX numerous times to straighten this out to no avail. They are not paying either. Also, they have sold my mortgage back to themselves under different company names at least 2-3 times. They have changed my loan number at least twice. In XX/XX/XXXX I made my mortgage payment on time but to their previous address. They cashed the check and reported me to the credit agencies saying my payment was more than a month late. 
This company is impossible to communicate with. Their customer service is useless. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Equidata, Inc.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Received an email from XXXX stating my dispute was ready to be viewed online, upon clicking the link in the email and giving my personal information I received an error message stating my personal information did not match their records. I called XXXX multiple times to never be connected to a live person to get my question answered about my dispute. I have not been able to successfully been able to view my disputed information after it was completed. The email stated the results of the dispute would only be available for 30 days, as of today I only have 21 days to view it. I have been unsuccessful with disputing any further accounts or information on my XXXX file online

Company response to consumer: Untimely response
Consumer complaint received 2021-04-05
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Dear CFPB, I hold a 5 Year CD that I opened with XXXX XXXX XXXX during XX/XX/2016, that was taken over by US Bank. I did not notice the letter before my CD renewed this past month, and US Bank has I contacted them, and they wanted more than {$150.00} to cancel the CD, which is more than 200 % of the the full amount of interest the CD will pay out over 5 years. They also renewed the CD at a rate that is low ( .25 % ), when other 5 Year CDs can be found at 3-4x that rate.

I believe their fee is usurious to cancel the CD and unreasonable given the CD just renewed this past month. 

Thanks, 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 2021-04-24
Company: EQUIFAX, INC.
State: WA
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 have mailed, disputed online and called the 3 credit bureaus to update my report without success. When I try to call, I have only got through to Equifax. I sent paper letters with delivery confirmation and they are not showing up. I have disputed online and submitted proof. 

XXXX XXXX The creditor reported innacurately ; they corrected and offered a pay to delete. I paid and provided the bureau confirmation of payment that was cashed and showed delete agreement. This needs to be deleted. 

XXXX I disputed and have no clue what this is. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

XXXX XXXX disputed, don't know what this is, not my account. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

I HAVE BEEN WORKING ON THIS FOR ALMOST A YEAR! THERE IS NO REASON I SHOULD HAVE THIS REPORTED NOT CORRECTLY. IT IS AFFECTING ME. PLEASE DELETE OR PROVIDE CONTACT INFORMATION FOR CREDITORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXXXXXX {$660.00} XXXX XXXX XXXX {$6500.00} XXXX XXXXXXXX {$9900.00} XXXX XXXX {$0.00} XXXX XXXX {$300.00} XXXX {$2300.00} XXXX {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Attached is a third-party authorization giving SLS permission to speak with my attorney about my account. My first mortgage was modified in XX/XX/XXXX with a HAMP Tier 1 modification. Since I received a HAMP modification before XX/XX/XXXX and my second mortgage servicer is a HAMP servicer, I should have been offered a XXXX modification for my second mortgage. It has been a year since my first mortgage was modified, but my second mortgage servicer, SLS, has still not offered me a XXXX modification.

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 2021-05-24
Company: Paypal Holdings, Inc
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I reported the card stolen in XXXX when I saw purchases at stores I never went to. Paypal issued a new card but holding me responsible for purchases made with that card & purchases from a card I reported stolen. XXXX through XXXX Ive called Paypal direct, chatted online & disputed XXXX transactions through XXXX Resolution Department totalling over {$2900.00}. Every case/dispute I filed Paypal closed my case in favor of the customer & refunded the customer twice. I filed a police report against the customer for identity theft & fraud but Paypal is holding me responsible for a card that was stolen & charges at stores I never completed. As of today my account cant be accessed by me & in collections despite everything & all my efforts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have received repeated calls from this number to my fathers land line. Recorded messages have repeatedly been left on my fathers answering machine, heard by both of us as the answering machine broadcasts all answered messages. I am not sure who they are trying to contact, me or my father, since I have not spoken with them as of yet, however the breach of privacy concerns me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XXXX XXXX credit card Creditor does unexpected interest rate increases and they also charge so many fees on top of all there interest rate fees. When calling them they say sorry you agreed to the term and conditions of the credit card that nothing can be done.

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 2019-08-28
Company: V and H Portfolio
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My vehicle was broken into and my purse was stolen with all of my identification in it. I was not aware of my identity being stolen until early this year when a creditor informed me that my information was used with the wrong social security number. I was homeless over 4 years and my identity was being used by someone I don't know. I wrote and spoke with several people at the credit agencies but nothing is being done about it. I really need this removed from my credit report. Information that is destroying me from having major XXXX and going back to school. Please assist me in correcting fraud on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: OH
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:
NOTICE OF INTENT TO FILE A LAWSUIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX EXPERIAN XXXX XXXX XXXX, TX XXXX XX/XX/2020 To Whom It May Concern : This is my official notice to file a lawsuit for 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Over 90 days ago, I wrote to the creditor in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far, none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there still is no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

Under the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Your letters to me claim to have verified the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is not sufficient verification for identity theft. Of course, the information matches up. Someone clearly used my information without my authorization. 

I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against EXPERIAN for violation of the Fair Credit Reporting Act and Defamation. 

The items to be removed from my credit report are listed as follows : 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 2020-05-16
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Send a compliant to them about the debt, I dont know them, I dont have a contract with them, never bought products, I dont know them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: CT
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  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX  partial account number XXXX. XXXX  is also reporting this account as a duplicate partial account number XXXX. This is a violation of the Fair Credit Reporting Act to report the same account twice on a separate trade line. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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: Diversified Adjustment Service, Inc.
State: IL
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:
In the results of your first investigation, you stated in writing that you verified that this item ( DIVERSIFIED ADJUSTMENT ) is being reported correctly? how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XX/XX/XXXX PROVIDE ME with competent evidence that I have any legal obligation to pay this debt.

1. Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. Please provide a copy of the last billing statement sent to Consumer by the original creditor ; 3. Please provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above- alleged account ; 4. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 5 ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I was in an auto-accident and could not return to work until I was released by my doctors on XX/XX/XXXX. Due to these unforeseen circumstances, we have fallen behind with our mortgage payments. However, my husband has worked contiguously before and during this time ( and he is still employed ). I have requested a loan modification twice since XX/XX/XXXX. For the first loan modification request, the company claimed they mailed me a letter on XX/XX/XXXX asking for further information. I never received this request for the items listed in the XX/XX/XXXX letter. However, I continued to send other required/requested documents through XX/XX/XXXX. I never received a communication stating I was officially declined for my modification request -or- the language in their letters is very confusing, unclear, and/or does not explicitly express a declination. 
I have replied to each of their requests via mail, e-mail, or fax. Please see the attached files. 
I received a letter from XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, UT ), dated XX/XX/XXXX stating my loan had been referred to their office and they were giving me notice pursuant to 15 USC 1692g. I immediately contacted the company and they claimed I was denied for my first loan modification due to the missing documentation. I have been working with the company ( not the attorney ) on a second loan modification request. I have emailed documents six ( 6 ) times for the second request and I call the company at least once a week, if not more, trying to understand what else they will need to consider my application a " complete loss mitigation package ''. 
I continue to get varying answers and they are rarely straightforward. I feel as if I am being given " the runaround '' intentionally. I don't know where else to turn or what more I can do to save my home. I am trying every avenue with the company, but I continue to receive push-back. Additionally, some ( not all ) of the representatives have been unhelpful and borderline abusive when I contact them to confirm receipt of documents or with follow-up questions. The representative I spoke with today ( XX/XX/XXXX ) insinuated I had damaged my home or property during the loan mod. process. Everyday, brings more concern of a foreclosure occurring, because they still have not marked the application as " complete ''. It seems as if the company is doing this because of the increases in the housing market and they would rather resale than help us save our home, as a way to make a profit on our loss. 
My husband is a Veteran, we are both in our XXXX  and hoping we can save our home to enjoy during our retirement. 

Thank you in advance for your assistance, CFPB.

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 2020-05-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2020 a company in which I am a XXXX XXXX XXXX, XXXX XXXX XXXX, borrowed funds under three separate mortgages from XXXX XXXX  XXXX to purchase properties at XXXX, XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX, Colorado. Subsequently we were advised that you had taken over these mortgages. 

In XXXX I noticed that these loans appeared on my personal credit report, even though the loans are in the name of XXXX XXXX XXXX and title to the properties is in the name of XXXX XXXX XXXX. I called and spoke with a gentleman who said he would get it taken care of. Two of these loans appear on my Experian and XXXX report, and three of them on my XXXX report. I have spoken to the company several times and sent a letter explaining the situation but the company is not fixing the problem.

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