BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
Company: Self Financial Inc.
State: IL
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 called the company to report this and they told me to file a police report I sent it to the credit bureaus only one have removed the account is XXXX  It is still on XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I BOUGHT SOMETHING ON XXXX.THE SELLER SENT THE PACKAGE TO A WRONG ADDRESS IN MY AREA TO MAKE IT LOOK LIKE I GOT THE PACKAGE.WHEN I STARTED THE DISPUTE WITH PAYPAL THEY AWARDED THE SELLER BECAUSE HE UPLOADED THE TRACKING AND IT SAID DELIVERED.WHEN I CONTACTED UPS WITH THE TRACKING THEY SAID IT WAS THE WRONG ADDRESS BUT COULD NOT TELL ME THE ADDRESS BECAUSE OF PRIVACY ISSUE.I NEED BACK MY MONEY.


!!!!!!!THIS DUDE IS A XXXX DUDE SCAMMING AMERICANS AND PAYPAL IS HELPING HIM!!!!!!!


THIS SELLER IS A SCAMMER. HIS WEBSITE IS XXXX   OTHER PEOPLE ON THE INTERNET KNOWS HE IS A SCAMMER 

LOOK AT THIS XXXX  POST XXXX   AND THIS XXXX VIDEO XXXX IF I DO NOT GET MY MONEY BACK IM SUING PAYPAL

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-11
Company: Shellpoint Partners, LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Complaint about XXXX XXXX XXXX XXXX. 



This complaint against new residential is a complaint about Mortgage back securities fraud. 

XXXX XXXX XXXX XXXX is publicly traded on the XXXX  XXXX  XXXX  XXXX  under the ticker NRZ. 

On XX/XX/XXXX I received a letter stating and ownership change. It stated ownership was transferred to an NRZ pass through XXXX  XXXX  c/o XXXX, and not in its individual capacity but solely as trustee of NRZ pass-through XXXX  XXXX. It also states as of the date of this letter the transfer of ownership has not yet been publicly recorded. 

( See exhibit B ) Notice of ownership change On XX/XX/XXXX there was a fraudulent assignment of mortgage with ( assigner ) XXXX XXXX XXXX XXXX America, as trustee for XXXX  XXXX  XXXX XXXX, mortgage asset back pass-through certificate series XXXX XXXX. ( Assignee ) XXXX not in its individual capacity, but solely as trustee of NRZ pass through XXXX XXXX. ( See Exhibit C ) Fraudulent unrecorded assignment. 

In XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX. I requested XXXX XXXX to send me recorded assignments of documents from the state of Hawaii. XXXX XXXX never sent any recorded documents but sent me a letter stating our records indicate that XXXX XXXX XXXX XXXX not in its individual capacity but solely as trustee of NRZ pass through trust X are the current owners of the loan. ( See exhibit D ) Letter Stating ownership Now in XXXX I received a letter dated XX/XX/XXXX from Shellpoint mortgage servicing responding to the consumer financial protection bureau complaint received on XX/XX/XXXX regarding the subject property. It stated XXXX XXXX XXXX XXXX, not in its individual capacity but solely as trustee of the XXXX  XXXX XXXX  loan trust XXXX XXXX is the current owner of the loan. 

Shellpoint never sent me any recorded documents proving XXXX XXXX as owners of the note. 

XXXX XXXX XXXX XXXX needs to explain to the consumer protection financial bureau how these mortgage back securities can be traded or sold without legal title ownership nor recorded assignment of mortgage to the stated entities that claim ownership. 

It is a federal crime to transfer, create or sell mortgage back securities without a recorded assignment of mortgage to show ownership ( See exhibit A ) XXXX XXXX XXXX loan trust XXXX letter stating current ownership We are in the process of filing a complaint with the security and exchange commission for mortgage back securities fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: ID Analytics, Inc.
State: MS
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:
I am writing to request the removal of unauthorized credit inquiry. SageStream LLC.  XXXX XXXX pulled my credit report file from this company listed SageStream LLC.  This company is reporting incorrect information on my credit file and my credit score. Please investigate and remove from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX {$3000.00} XXXX XXXX   XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX {$0.00}

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
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$3600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED {$0.00} 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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them.

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 2019-06-19
Company: Duvera Billing Services, LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took a loan with XXXX XXXX on XX/XX/XXXX when I need necessary car repairs and had no other options. I signed an agreement and tried my best to make bi-weekly payments of {$71.00}. On XX/XX/XXXX I sent an email to the customer service dept. explaining I was having difficulty making the payments and could they please lower the interest rate or work with me to make smaller payments so I could pay back the money faster. They refused and I have been bombarded with text messages, and calls ever since. 

A recent text message offered me the chance to get my account back on track if I paid {$10.00} and then set up a once a month payment. I paid {$10.00} on XX/XX/XXXX and then had set up a payment of {$100.00} on XX/XX/XXXX and thought from what the email indicated they would be taking a {$100.00} payment per month going forward. However, they took {$71.00} on XX/XX/XXXX and tried to take the additional {$100.00} on top of that. I have contacted my bank to stop any further EFT withdrawals from this company as they seem to do what they want and I can not afford to have unexpected withdrawals from my account. 

I feel like this company is taking advantage of people who have no other means of getting assistance to pay for unexpected expenses and are just setting people up to fail with charging almost 100 % interest rate!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: SUNTRUST BANKS, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
in XXXX there was fraudulent charges on my Suntrust credit card. I called them they ask if the charges were mine i told them no they told me they were canceling the card and sending me a new one. I waited 2 weeks and never received the new card. called them again and was told it was sent out, wait until the end of the week they told me. never got it so i called again, this time i was told that there was no card sent out that the card was frozen and i would have to come in to the branch office to un freeze it. asked were that was, was told that they are in Virginia and Georgia. Im in XXXX and that was not going to happen. so they told me that they would send it to be investigated and they would call me to see what could be done to close the account. this was the last week in XXXX. I left for the winter to XXXX XX/XX/XXXX they did try to call me on XX/XX/XXXX i was craving and missed the call have repeatedly tried to call and left messages no response so i sent a message on there site. they answered back and someone would be calling me from investigations. still no call. i messaged Suntrust again they messaged me back and said that they did call me. Not true i have had my phone at all times and have not gotten a call. messaged again they asked for my phone number and a good time to contact me. again and was assured they will be calling. Still no contact. I just want it closed do not understand why they can not do this. I have never had the trouble that i have had with this bank i would advice no one use SunTrust if you don't live in there area.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: Synovus Bank
State: MA
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 was shocked when I reviewed my credit report and found late payment on XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I enrolled in online classes at XXXX XXXX University. I withdrew from the classes I was enrolled in the day before the final deadline to withdraw without financial penalty. However, XXXX XXXX University has opened an account showing on my credit score on XX/XX/2013 in the amount of {$1800.00}. I have submitted a few disputes via the three credit agencies but it is still showing as something I owe.

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 2019-06-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I enrolled in online classes at XXXX XXXX University. I withdrew from the classes I was enrolled in the day before the final deadline to withdraw without financial penalty. However, XXXX XXXX University has opened an account showing on my credit score on XX/XX/2013 in the amount of {$1800.00}. I have submitted a few disputes via the three credit agencies but it is still showing as something I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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: Information belongs to someone else

Complaint:
fraud accounts that need to be removed XXXX Opened XX/XX/XXXX {$6300.00} Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Opened XX/XX/XXXX {$11000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: FREEDOM FINANCIAL NETWORK
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an account with Freedom Debt as a consolation debt. I have been paying on it for years. They sent me an email telling me to increase my amount and it would be paid off sooner so I called for the payoff amount and sold my XXXX and sent the money in XXXX. I have called, emailed, and chatted with about 20 different people to find out why it has not been closed yet and they are still taking out money of my account twice monthly since I paid them the remainder of my payoff. Now I get an email after I sent them one asking why this has not been resolved after I have been told every time I get in touch with them that it would be taken care of that week! Now this email is telling me I owe them another {$260.00} dollars. Talk to them this morning and they told me it was one of my debtors asking for full payment, it is funny because this creditors did not settle and asked for full amount when they tried to settle with them but now they say the creditor was full amount, I was paying them full amount so why more money! Plus they are taking money out of my account monthly, which at first they said I would get back when closed but now they are saying it is for monthly fees, I feel I am being punished for trying to pay off early but the email they sent me back in XXXX never said anything about being punished for trying to close this matter. 
Thanks in advance for your help in this matter, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: GMA Investments, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company named Summit Receivables has been calling my cellphone and now theyre calling my job. I had a payment plan set up with them back in XXXX. I missed one payment. Theyve been threatening this 24 hour notice and that was 1 month ago. I dont know if Im being scammed or not. Ive never known a debt collector to call your job everyday. I just started working here and its embarrassing. I have a lot of debt of course but XXXX never had this much harassment before. Other collection companies give me a lot more decency. There was also another number ( XXXX ) XXXX. They have called my job and did not even disclose who they were to my coworker. This cant be legal.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-23
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To be clear, the options previously selected are not completely correct for my situation. I did call SageStream LLC today and XXXX was awesome! I was unaware the difference with Consumer and Credit Reports. After speaking with him, I was able to submit my request for my report online and submit my request for a security freeze there as well. I was not able to submit my permanent opt out online, as I do not have the means of doing so. 
To be fair, I did submit a dispute via CFPB to SageStream ( prior to calling ) requesting my report. 
Today I am only requesting the opt out that I upload to be placed on my file. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: JPMORGAN CHASE & CO.
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:
fcra violation inquires from jpmcb hl is not mine please remove it showing late on mortgage was never late correct that showing utilization 100 on wireless bill that effects my score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had previously requested information regarding my loan. The problem that I am having is that my loan matured in XXXX 2019 which is when my last mortgage payment would have been due. I received information from the company in response to my original request for information about my account however they did not answer the question as to why they claim that I still owe approximately XXXX dollars. I was never late with my payments and my last payment in XXXX should have paid off my whole loan.

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 monetary relief
Consumer complaint received 2017-07-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XXXX, XXXX I have been disputing information reported by XXXX XXXX/XXXX XXXX and XXXX, Experian, and XXXX for which they claim My account was charged off {$1100.00} on XXXX XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX claims this account was sold to XXXX XXXX XXXX and refuses to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of the debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX sent me a copy of a bill statement. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery has engaged in a relentless pursuit to collect a debt already settled. 
On two occasions Portfolio Recovery was notified that the credit card debt they seek to collect was settled more than three years ago. Furthermore, I am currently in good standing with that credit card company. 
Calls are at random hours and often well before XXXX XXXX. On two occasions calls were received after XXXX midnight. In these instances their number was entered on a police complaint hotline. 
Moreover, several of their numbers have been entered on the national do-not-call list. 
Apparently, this collection agency has found a way to completely ignore the do-not-call list by using other random numbers. Also, written notices, and requests to cease and desist have also been ignored. 
The ongoing abuses include : ( 1 ) failure to leave a message and causing frequent crowding of the home answering machine ; ( 2 ) quick re-calls are relayed to personal cell phone when home phone calls are blocked ; ( 3 ) overload to call blocking is created by randomly using in excess of 140 different numbers ; ( 4 ) random calls are also made via unavailable, unknown, or invalid numbers to avoid call blocking of numbers identified as Portfolio Recovery. 
A list of the random numbers used by this collection agency can also be sent at your request. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
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:
fcra violation inquires from XXXX XXXX is not mine please remove it showing late on mortgage was never late correct that showing utilization 100 on wireless bill that effects my score

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 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
They have 2 auto loans on my credit report that I did not open, and I did not authorize. I have not had auto loans with them. I did their fraud packet, and jumped through all the hoops they told me to jump through. Now they just completely ignore me. This has to be addressed, and this has to be taken care of.

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