BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays XXXX LVNVFUNDG XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, 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 ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNVFUNDG XXXX LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on  applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: Specialized Loan Servicing Holdings LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
According to HUD website, HAMP modification loans amounted to an average {$470.00} in monthly savings while my HAMP modification loan did very little to adjust my monthly payments, thereby making my home affordable because Specialized Loan Servicing intended to force me into foreclosure. 

I was forced to reapply 19 times for a home modification loan, before approval. Although, I had requested modification from XXXX XXXX XXXXXXXX when SLS assumed the loan, in XXXX, XXXX, I did not receive a home modification until XXXX, XXXX. At that time, the program ended and I just managed to receive a modification just a week prior to the HAMP program ending. When I contacted another loan servicer and they contacted SLS, only then did I receive loan modification help. 

Due to Specialized Loan Servicing driving up the amount owed on my loan, I feel I did not receive the best modification of my mortgage available to other customers. 

I am requesting an audit of my mortgage modification. I believe that I was given a subprime mortgage modification due to the fact that SLS had no intention of actually helping me, instead hoping to foreclose by increasing the amount of back mortgage by stalling my application for four years. 

I went from being 1 month past due mortgage in XXXX, XXXX to owing more than four years of accumulated payments of over {$84000.00}. I contend SLS juggled my single point of contact, so I never could get the complete story or anyone who would actually help with my application, all the while my unpaid mortgage steadily increased. 

Even while I was in the trail period my mortgage payment, tax and escrow has increased to almost my premodification levels. 

Why?

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 2020-05-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I submitted a complaint last week against American Express Bluebird ( #  XXXX ) for a {$50.00} payment I made to my XXXX XXXX credit card on XX/XX/2020 that was never received and never returned to me and realized upon evaluating my account that there is SECOND payment of {$45.00} that I also attempted to make to my XXXX XXXX from my Bluebird account that was also never received by XXXX XXXX and never returned to my Bluebird account. So that is actually a total of {$95.00} missing from my account. Both payments on my account say " processing '' and they continue trying to " process '' these two payments even though I called Bluebird Customer Service to inform them that my XXXX XXXX Credit Card # changed due to fraud and I was assigned a new credit card #. They refused to update the credit card number, they refused to let me set up a new bill pay to this account with the correct credit card information and they refused to refund these 2 payments that have clearly been in limbo for months. Calling customer service is near impossible as it takes over an hour for someone to answer and once they do, they refuse to resolve a simple issue. I've submitted all the dispute forms they asked for and I can't even close this account until I get my money back. I need someone to help expedite this as I'm not getting anywhere with this terrible company. ( attached is my dispute form I sent to them )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am a victim of identity theft and I have reviewed my credit report and found fraudulent accounts and inquiries. I contact both the XXXXccount number : XXXX, and credit bureau to resolve the matter and it has not been resolved or removed from my credit file. 

Below are the account that was not authorized by me : XXXX. XXXX  account number : XXXX Inquires : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 " ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
during the pandemic i lost my job as a XXXX due to covid-19 i let my apartment office know they manager at the time said he understand and to vacant the apartment and turn in keys we will go ahead send paper work to office as i did and then a couple of months later i found out i had a collection due to me loosing my job because of covid-19 which makes no sense those was out of my hand and i didn't want this to result in a eviction because after after thing was done i wanted to rent again with the apartment complex

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 2020-12-13
Company: Experian Information Solutions Inc.
State: AL
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:
Pulled a copy of my credit report and noticed unauthorized inquires from several companies that I didn't do. I reached out to them already they said contact the bureaus to get these items deleted without a 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 explanation
Consumer complaint received 2020-11-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I mailed in a mortgage payment check which the lender 's sorting machine destroyed, I called in the payment, and the lender drafted the funds from my personal checking account which cleared without any issues, I received a letter telling me that the payment was returned without being honored, I faxed proof that it cleared, they said that the did not receive the fax, I uploaded the proof to the website that the payment had in fact cleared the check I did a 3 way call between the lender 's representative named XXXX and a representative XXXX from XXXX XXXX XXXX ( the bank that the funds were drawn from ) and she confirmed that the funds did clear without any glitches, I need assistance getting this situation resolved as the Mortgage Lender is not cooperating at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX : I placed a credit freeze in XXXX. Was issued a PIN #. TODAY I tried to lift freeze and am told I have incorrect PIN #. I NEED MY CREDIT TODAY, not in 2 weeks. I have all correct info. I DO NOT WANT THIS COMPANY HOLDING MY CREDIT HOSTAGE!

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 2017-09-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XX/XX/XXXXI was denied credit by XXXX XXXX XXXX is perfect or near perfect so fearing data had been breached by Experian hack immediately checked all credit reports including Experian. Only anomaly that I was able to find was the date of birth was wrong. It was reported as XX/XX/XXXX vs correct year of XX/XX/XXXX. I went to Experian this morning XX/XX/XXXX and attempted to correct and website would not allow and only provided links to this site. I need a phone number or link to upload correct 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 non-monetary relief
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: PA
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:
See attached documents. Remove this personal information that does not belong to me.

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 2018-10-15
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Friday XX/XX/XXXX Hurricane Harvey made landfall at XXXX, Texas. Our home at XXXX XXXX XXXX XXXX, XXXX, TX XXXX was severely damaged. On XX/XX/XXXX, XXXX issued a second check for the repairs. All funds from that insurance company are held in an escrow account at Shellpoint Mortgage Servicing to be disbursed by their XXXX XXXX department. That money, from our point of view, is reserved for our contractor, XXXX XXXX XXXX XXXX to pay subcontractors etc. for the work being done. On the contractor requested a disbursement from Shellpoint of {$50000.00} in part to pay drywall installers ( approximately {$20000.00} ) as well as for the demolition and rebuild of our family room, totally destroyed by the hurricane. Shellpoint refused saying only {$11000.00} would be disbursed ... at first. Two weeks later, no funds were forthcoming. XXXX called and was told by XXXX XXXX they are not the contractor of record ... a total fabrication as they sent all required documentation a month earlier. We've been out of our home for over a year. Shellpoint 's unprofessional behavior will keep us out until early XXXX unless they are forced to release those funds immediately. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
After repeated calls from a blocked number to a personal reference from my application, my brother answered the call. He was told by the agent that he should contact me to tell me that there were charges/complaints being charged against me for this account. Speaking to a third party about anything more than contact information is in violation of debt collection laws. I called the number and spoke with an agent. When I asked about the call to my brother they stated they could share any information they had with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
-I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX .... Balance : {$17000.00} ; DEPT OF EDXXXX XXXX .... Balance : {$5100.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; DEPT OF EDXXXX XXXX XXXX .... Balance XXXX {$2600.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$4600.00} ; XXXX XXXXXXXX XXXX .... Balance : {$1900.00} ; XXXX XXXXXXXX XXXX. Balance : {$1900.00} ; XXXX XXXX XXXX .... Balance : {$410.00} ; XXXX XXXXXXXX XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$450.00}

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 non-monetary relief
Consumer complaint received 2019-11-06
Company: General Motors Financial Company, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I called the phone payment system on XX/XX/XXXX ( XXXX ) to make the monthly payment. The system verified that the stored account information was correct. I was able to make my payment over the phone through the system. I realized on XXXX that my payment had not posted to my account. I called the same number on XXXX and the system stated that I owed 2 payments. I talked to the representative who stated that the system was changed on XX/XX/XXXX and should have not allowed me to make the payment but there was nothing that she could do. I made the 2 payments on XXXX. I called back on XXXX and spoke with another representative who suggested I file a complaint through fico.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen offered a loan mod for years but never completed one until it was in Ocwen 's favor So I was forced to file bankruptcy Ocwen still pursuing debt even though I am covered by bankruptcy rules

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I pull my credit report and found out that CALIFORNIA BUSINESS BUREAU : ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX and reply on XX/XX/XXXX. This company has violated Federal , State, FCRA and FDCPA by reporting invalidated information which might constitute as fraud. You have not only violated federal and state laws, but you have also failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fines. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. XX/XX/XXXX) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 pandemic please delete immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation