BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: Experian Information Solutions 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 have been trying to fix since XXXX as some accounts that doesn't belong to me and personal information as my name, phone numbers, and addresses that I have never lived there where showing on my credit. 
I have never lived in California and there is many address listed there. Also my name was listed with different middle names and last names that I never used them. 
Most of the accounts were removed from my credit as I believe companies are confusing me with another person as my name is very common name I don't have any XXXX XXXX account open and they insist that the information belongs to me. 
When I called XXXX XXXX XXXX and XXXX, they are not able to find any account with my social security number. 
I need them to take the time to verify that my information is not the same as their credit card holders, I have never receive any statement from them to my current address where I lived for more than 15 years. 
Also I need Credit bureaus to clear all personal information that doesn't 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 explanation
Consumer complaint received 2020-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Account number ending XXXX is appearing on my credit reports. PRA sued me but then dismissed the case as they could not prove the debt belonged to me. See attached court document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: CHARLES SCHWAB CORPORATION, THE
State: NY
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 checked my personal credit report, which I acquired on XX/XX/18 and I noticed an unauthorized inquiry had been made. I sent out letters, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry on my credit report to determine who authorized the inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Experian Information Solutions Inc.
State: IN
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:
My XXXX and XXXX XXXX student loans has never been late. They have removed them and put them back several times. I have consolidated two of my XXXX loans and they have been closed for six months, XXXX XXXX loan is currently in deferment and they are both being reported as late. I have contacted all three credit bureaus on XX/XX/XXXX and XX/XX/XXXX by certified XXXX letters disputing the information. They both sent me updates saying that the information was verified and correct. XXXX has removed all the negative information from my report as far as the items reporting late. These two have refused to comply with the request from the loan companies as well as myself. I have called and spoke to XXXX and XXXX XXXX about them reporting me late. They both told me that they have sent request to the four reporting agents and asked them to remove the negative ( late ) status since XXXX. XXXX XXXX went as far as sending me an email stating that they have requested for the information to be removed. I need this corrected ASAP as I am trying to apply for a mortgage.

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 2023-02-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
carrington mortgage po box XXXX XXXX ca XXXX we changed home owners insurance to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  mt XXXX we were insured by XXXX XXXX  and XXXX XXXXXXXX XXXX they could save us money. they insured us through emaclaw insurance, but emaclaw decided they could not insure us, so XXXX XXXX got us insured through travelers. are mortgage payment kept going up, we called carrington and found out XXXX XXXX was never canceled, and was paid out of are escrow account, and emaclaw was paid out of escrow to XXXX, and travelers was paid out of escrow to for XXXX we have decided to keep XXXX XXXX we called travelers and they returned XXXX, and emaclaw never returned any money. are mortgage payment went up through no fault of ours, and now if we do not get the XXXX and the XXXX back we could face foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2019 I sent a certified letter to XXXX Mgt to ask them to delete my incorrect account on all 3 credit reports. There was incorrect information they were reporting to the Credit Bureau 's. 

OnXX/XX/19 I received a letter back from XXXX Mgt stating they were unable to process my request because they claimed that my loan is no longer on their records. 
Since the loan is no longer on their records, they should not be reporting an account that does not exist to the Credit Bureau 's. 

On XX/XX/2019 I sent another letter stating : Since you were unable to process my request because my loan is no longer on your records. According to my credit report, you are still reporting this account. Please delete this account immediately. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

I did not hear back so I sent in another letter on XX/XX/2019 stating : Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

XXXX Mgt failed to delete my account from 2/3 Credit Bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My XXXX and XXXX XXXX student loans has never been late. They have removed them and put them back several times. I have consolidated two of my XXXX loans and they have been closed for six months, XXXX XXXX loan is currently in deferment and they are both being reported as late. I have contacted all three credit bureaus on XX/XX/XXXX and XX/XX/XXXX by certified XXXX letters disputing the information. They both sent me updates saying that the information was verified and correct. XXXX has removed all the negative information from my report as far as the items reporting late. These two have refused to comply with the request from the loan companies as well as myself. I have called and spoke to XXXX and XXXX XXXX about them reporting me late. They both told me that they have sent request to the four reporting agents and asked them to remove the negative ( late ) status since XX/XX/XXXX. XXXX XXXX went as far as sending me an email stating that they have requested for the information to be removed. I need this corrected ASAP as I am trying to apply for a mortgage.

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 2021-04-28
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:
I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts

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 2021-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX Account Number : CAPIT-XXXXXXXX XXXX CAPITAL ONE BANK USA N A Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Sortis Financial, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Tx, XXXX Several Phone calls made to company trying to resolve. Sending certified letter today. Company has listed amount owed on my credit report, {$15000.00}. Amount was discharged in my bankruptcy. Company I assumed purchased debt from the company I owed this amount to after the bankruptcy. Repeated calls from companies representatives or agencies affiliated with this agencies, trying to verify my location or property owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
found out that there was an inquiries which I did not do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I SENT A CERTIFIED LETTER ASKING FOR VERIFICATION FOR A COLLECTION ACCOUNT NAMED XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA, XXXX, IN THE AMOUNT OF {$390.00}, THEY ARE REPRESENTING XXXX THIS IS REPORTING ON MY CREDIT BUREAU 'S AND IT WAS DELIEVERED AND SIGNED FOR BY THE COLLECTION COMPANY ON XX/XX/18. I HAVE NEVER RECIEVED ANY TYPE OF VERIFICATION BACK NOR HAS A NOTICE OF DISPUTE BEEN PLACED ON MY CREDIT REPORTS. I WANT THIS COLLECTION ACCOUNT DELETED PERMANTELY WITH THE ORIGNAL COMPANY AND THE COLLECTION AGENCY. THEY ALSO ARE NOT REPORTING THE ENTIRE ACCOUNT NUMBER, ONLY A FEW DIGITS, FOLLOWED BY ASTRICKS/STARS. THIS IS A VIOLATION OF THE FOLLOWING : -NOT REPORTING ENTIRE ACCOUNT NUMBER IS A VIOLATION OF SECTION 609 OF FCRA , SECTION 623 ( A ) ( B ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICIES ACT SECTION 807 ( 8 )  BY NOT PLACING THE DISCLOSURE WITHIN THAT REQUIRED 30-DAY PERIOD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-20
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On Wednesday XXXX XXXX, XXXX I initiated a wire transfer ( transaction # XXXX ) from my Coinbase account to withdraw funds to my personal banking account. The Company Coinbase is claiming " degraded service '' with a delayed transaction time of 3 business days. It has been 5 business days and they do not respond to emails. The total transaction amount was XXXX including a {$25.00} wire transfer fee. I also attempted to direct message them via XXXX but they do not reply. I currently have a case open with them XXXX. The initial email response I received from them last Saturday was a computer generated response that did not pertain at all to my situation. When I replied I got another generated response stating they might not respond for several days. I am not the only consumer with this issue and have spoken with other via XXXX who have been waiting longer. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan was transferred back to Bank of America ( BOA ), after several years with XXXX XXXX and then XXXX XXXX. This transfer occurred in late XX/XX/XXXX. The loan was established by the Bankruptcy Court ( in XX/XX/XXXX ) as a fixed rate, interest only loan. However, Bank of America claimed that the mortgage was a variable rate mortgage and increased the loan from {$1200.00} per month to {$2100.00} per month, beginning in XX/XX/XXXX. I contacted Bank of America and sent them documentation showing the correct information, including the amended plan of reorganization approved by the Bankruptcy Court.  BOA claimed they had no records from when they had the loan previously. I got letters each month, stating they were " working on it '' but nothing was ever resolved. I paid off the loan in XX/XX/XXXX.  BOA never resolved the mistake and never issued a refund. I contacted the fraud section of BOA many months after the loan was paid off and was assured someone would contact me. I never got a returned phone call or a letter.

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 2020-09-01
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: Public record information inaccurate

Complaint:
I recently submitted a dispute with Experian regarding inaccurate and negative accounts on my credit report. I also submitted supporting documentation from XXXX, the company Experian stated verified the non existing accounts. XXXX has submitted two disputes on my behalf in which Experian has not responded. The completed investigations was determined verified and remains on my report. 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 demand to see Verifiable Proof ( original documents with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 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 listed below. 
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 explanation
Consumer complaint received 2023-03-09
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account was removed from my credit report. and now its back on there and I havent received any information why its back on there. I asked this company to send me information on how they came up with me owing them and I havent recieved anything. They have refused to send me any contract saying I owe them. & this is a third party so I dont know how they came up with me having to owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
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:
Experian Report # XXXX XX/XX/18 Experian every other month has right employment and then the next its spell wrong or not showing I have document after document as proof of current employment. I have reports showing error but Experian says they update month after month. Missing is XXXX XXXX - XXXX XXXX and XXXX XXXX as current employment I have uploaded tax returns check stubs as well as My state Lic. showing I'm registered XXXX My issue with Experian has incorrect information as well as employment not showing one month it's right and then nothing.

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 2018-07-15
Company: World Omni Financial Corp.
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:
On XX/XX/2018 I went to test drive and get information on a vehicle that I wanted from XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. I explained to the salesman who greeted us several times that I was not ready to purchase, I was just researching to be prepared. After viewing the car, he sat me down and asked if he could have my information to see what prices he could offer on a lease and a purchase. I agreed and only gave my name, address, and what kind of payment I could afford. He came back with decent numbers but as I had explained, I was not ready to purchase or lease that day. As I was leaving another man called my name from the front door and asked me to give him 10 minutes. He came back with a great deal. No money down, payment of {$290.00} a month. Of course I caved. I filled out all the paperwork, gave them my license plate to transfer, added the car to my XXXX policy. While I was waiting for them to come out with the final paperwork to sign, I was called into the finance office. The finance manager said they couldn't honor the deal without a large down payment. The banks wouldn't approve an 84 month loan. He said my credit was not the problem, the terms were. I was not made aware that the term was to be for 84 months. He asked for the name of the salesman that offered me this deal and when I told him he said Oh, he hasn't been here long, he transferred from another region and had no authority to make such a deal. They tried to talk me into leasing with a down payment or financing with a down payment but the payment would be {$390.00} a month. I walked away from that as I had a bad taste in my mouth from dealing with the salesman. 
The next day I received a notification that my credit score had changed. The XXXX finance manager ran my credit with 3 different banks trying to get it approved. Each hard inquiry was a 3 point hit on XXXX. I feel they should have asked me after the first bank did not approve their terms, not keep trying. I don't believe I was treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My current mortgage servicer, Shellpoint Mortgage Servicing, the problem is that they will not credit and remove excessive tax charges in my impound account. 
I have paid off my hero home improvement/Energy loan, and on that type of loan, payment is paid through property taxes adds {$1600.00} a month to my house payment. 
I paid off my hero a 2nd XXXX  home improvement loan at the beginning of XX/XX/2022 ( see attached ). 
I sent them the 2nd Hero loan payoff promptly, but they still will not reduce the payment, making it impossible to pay the {$6000.00} Fist payment along with the new 2nd loan payment that I took out to pay off the Hero loan. 
The correct payment would be {$4400.00}, which they will not properly adjust/correct the payment. 
That new 2nd loan ( that paid off the Hero loan ) has a payment of {$2200.00} which creates an extreme burden and makes it near impossible to cover both payments with the old first payment still at {$6000.00}. 
They will not accept the correct lower {$4400.00} payment as full payment. 
If the above is not difficult enough, I am a Senior Citizen I have had XXXX twice recently and have had difficulty working at these times with the XXXX. 
I very much appreciate the assistance you would be able to provide.

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