BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was on a payment plan to catch up on mortgage from XX/XX/XXXX to XX/XX/XXXX. I made all payments as scheduled. ShellPoint Mortgage Servicing then sent statement on XX/XX/XXXX that identified a late payment needed to bring account current. I called ShellPoint to find out what the issue was, I had all my Credit Union statements showing each payment processed, where I processed every payment on ShellPoint Mortgage 's web site payment system. My CSR, XXXX XXXX, researched the issue and said it was corrected. On my XX/XX/XXXX statement an overdue payment was still showing. I tried several times to contact ShellPoint and they are not returning calls or emails I have sent.

I will continue to try and get a response to my issue. I need assistance from CFPB to help facilitate my issue being resolved. In addition, after reviewing many of my statements from ShellPoint Mortgage Servicing, since servicing was transferred from XXXX  XXXX XXXX, I see several transactions I do not understand and are confusing. If possible, can someone help in auditing my mortgage servicing to identify possible additional fraudulent servicing issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to Equifax and XXXX in regards to the numerous inquiries that's appearing on my credit report.I let them know that I was a victim of their inquiry issue. They have neglected to remove them as well as bankruptcy and a collection account that does NOT belong to me. They have said it came back as verified and I requested them to provide me who verified the accounts. They have failed to do that as well. XXXX has abided by the law and deleted said accounts and stated they were unverifiable. I am trying to understand how one bureau can not verify accounts and another bureau who will not provide proof of verification can. I also provided documentation from the U.S. BANKRUPTCY COURT whom in which they said furnished the information stating their accusations are false. To my understanding the accounts must be verified by the alleged FURNISHER. Any automated response or XXXX verification is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
****This will probably be your MOST MAJOR case out of all your investigations and this should be elevated to the highest levels at CFPB. 

The synopsis is this : The credit reporting agencies are committing a fraud on the public AND must be investigated by CFPB and this issue must be disclosed to Congress. The credit reporting agencies are selling credit products to the public and providing FALSE credit scores paid for by consumers, yet, at the same time, these same credit reporting agencies are providing a completely different product to lending institutions which list completely different credit scores. So, bottom line, the credit reporting agencies are providing two sets of credit scores - one for the public and one for business. There should ONLY BE ONE uniform credit score. The question becomes, which credit scores are real and which are fake? Can the credit bureaus sell fake information and pass it off as real?

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 2020-05-07
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My unemployment money has been going on a prepaid debit card by a company called Go Program - The Dept of Labor has been issuing my weekly payments since XX/XX/2020 and I have yet received this debit card - the phone number of XXXX is impossible to reach anyone - when you call it just hangs up on you - if you attempt to look online and register with this company you have to have your card number - I have no card - I am sitting here about to get evicted from my home with my two young children because no one will answer the phone - I have a total of over {$5600.00} on this card and no way to get it - the Dept of Labor has done its job but it is impossible to get anyone to even ask about where the XXXX my card is - I understand the world is in crisis right now and they are overworked and very busy but XXXX I have called every day at all times of the day and night for weeks and have not one time ever been able to talk to anyone - when I get evicted with my children I will be filing a lawsuit on this company for holding funds that do not belong to them! that is theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: MARINER FINANCE, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated phone calls at my place of business after telling XXXX of mariner finance in XXXX to stop calling at my place of business and that it jeopardizes my employment. As well as stating that he would take me to court and sue 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 2020-06-25
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A SETTLEMENT WAS MADE BETWEEN BORROWER AND FINANCE COMPANY. DEBT WAS RESLOVED PAID IN FULL

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 2020-06-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$160.00} XXXX  XXXX {$64.00} XXXX  XXXX {$590.00} XXXX  XXXX {$340.00} XXXX   XXXX {$1200.00}

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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2019, I sent a letter to the credit bureau listed below along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the accounts ( s ) until I pulled my credit reports for review. I've asked the credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, I have not received a copy of my credit report and the item ( Allsouth FCU {$4900.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$490.00} ) continues to be reporting and affecting my credit. It would be of great pleasure if CFPB would assist me in resolving this matter. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: EQUIFAX, INC.
State: DE
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:
my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX  del XXXX all of the others names and address that appear on my credit report is not correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-10
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I checked my XXXX credit report and Midwest Recovery Systems showed up on my credit profile this was recently put on my credit profile without any knowledge on my part. This is supposedly from a payday loan company, XXXX XXXX XXXX in the amount of {$200.00} - first date of delinquency is showing XX/XX/XXXX. XXXX XXXX has failed to notify me before placing this alleged debt onto my credit which is a FRCA violation. I have not received any communication from this company by phone, email, or US mail. I have the right to dispute debts and must be notified before anything can be reported to the credit bureaus. I do not have any knowledge of this account this account was reported to all credit bureaus drastically and negativity affecting my credit. I did not receive anything notify me of this debt nor did I have the opportunity to challenge the debt. I would like proof of my signature, or some type of proof showing ownership from his debt. I am currently in the process to buy a home and this company is delaying this process, due to this appearing on my credit reports. I am also going to dispute with credit bureaus, and file complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
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: Account status incorrect

Complaint:
Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with 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 2019-02-10
Company: Tennessee Quick Cash, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
started payday loan in XX/XX/2017 with tenn quick cash for XXXX credit limit paid on loan for over a year lost some income unable to pay XXXX every paycheck every time i paid it only put XXXX dollars toward payoff of loan now taking me to court saying interest etc evolved into a XXXX dollar settlement can not afford bankruptcy. i have a disbled son that i am solely responsible for. i have to pay food, homecare and medical for him i am uneligible for any assistance for him because of my income limit. if i am garnished we will be homeless, i tried to explain my hardship to these people and they refused lower payment. i have paid them over a XXXX dollars already for the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a permanent security freeze on my TransUnion credit report circa XXXX after being the victim of identity theft. I have requested several times since XX/XX/XXXXto have this freeze permanently removed. To date, I am still unable to obtain credit reports through TransUnion because of what they have described as a " partial freeze '' each time, they have assured me it would be resolved and the freeze would be lifted, but to no avail.

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 2019-02-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HSBC credit card is showing on my credit report and XXXX XXXX XXXX, XXXX is trying to collect on a debt on HSBC behalf that I am in disagreance in with. It is reporting {$1100.00} - I do not have any knowledge of this account this account was reported to my XXXX  credit bureau it is drastically and negatively affecting my credit. I am currently in the process to buy a new home and this company and or HSBC is delaying the process due to this collection account. I have reached out to this XXXX XXXX XXXX twice and they are not able to provide me with current or correct dates. Also, I am filing a formal complaint with the XXXX   in regards to this debt collection. Collection agent/agency stated they spoken with me I have never called in at all to speak with anyone at this collection agency. I am exercising my FCRA rights with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
" As discussed previously, an FDCPA claim has nothing to do with whether the underlying debt is valid. An FDCPA claim concerns the method of collecting the debt. It does not arise out of the transaction creating the debt [. ] Azar, 874 F. Supp. at 1318. Footnote : See 15 U.S.C. 1692k ( governing civil liability under the Act See that XXXX XXXX XXXX ignored this fact and showed no proof, which is a clear violation of this : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Also this : 1. A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX. XXXX XXXX, XXXX Haw. XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Hawaii XXXX XXXX ( Hawaii XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, ( XXXX XXXX ), and XXXX of XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ). and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX. XXXX ). Letter from Federal Trade Commission ( FTC ) Attorney XXXX XXXX XXXX to XXXX XXXX XXXX stating that reporting a devt to a CRA constitutes a collection activity under 1692g ( b ). Several cases have relied upon the FTC letter as persuasive authority that reporting a debt to a CRA is a collection activity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX., et al., If this is not deleted by XXXX XXXX XXXX immediately by XXXX XXXX XXXX I will swiftly turn this over to national FDCPA, FCRA attorney XXXX XXXX for the potential FCRA/TDCPA violations which offer treble damages. Also this, was GAP INSURANCE refund deducted for what you and XXXX have reported to my credit reports ( i.e. false reporting ) and In Texas any holder attempting to collect on a motor vehicle retail installment contract must have a XXXX XXXX XXXX XXXX. You DO NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Requesting mediation for funds being held ( {$270.00} ) in a closed Bank of America XXXX XXXX account ( payroll card provided by employer, XXXX XXXX XXXX ). Both parties, XXXX XXXX and XXXX, say that only the other can take action to resolve the problem. 

Was provided a Bank of America XXXX XXXX XXXX " debit '' ( payroll ) card through the mail. Activated it, but after deciding I wanted direct deposit ( within a few days ), called XXXX XXXX to close the account. Account closed with balance of {$0.00}, then enrolled in direct deposit with XXXX, to be paid into my personal XXXX XXXX account ( all later pay from XXXX has been paid without issue, except for the amount described in this complaint. ) XXXX XXXX then accepted a deposit from XXXX ( " XXXX XXXX XXXX XXXX '' ) for the amount of {$270.00} on XX/XX/2018 at XXXX into the closed account. 

XXXX XXXX would not allow me to transfer the funds out the closed account. They said 'XXXX   must issue you a new card. You must then activate this card/account, and transfer the funds into the new account, then you can transfer the funds to your bank. ' XXXX told me they do not issue new cards, that XXXX XXXX issues these cards. 

Called both parties several times and received same answer every time. 

One or both of these parties must take action to resolve this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Mail Stop XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX ( Corporate ) XXXX XXXX XXXX XXXX. 
XXXX, CA 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 2019-02-11
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Repeatedly tried to contact XXXX XXXX XXXX XXXX to no avail. The company is placing derogatory marks on my XXXX, XXXX  and XXXX reports. This information is completely wrong and needs to be corrected immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Ability Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX and Ability Recovery Solutions are reporting on my credit file that I owe monies for attending a school I never attend {$310.00} is being reported on my credit file each month. I tried contacting the school about the matter who advise me that I signed a contract which was never signed by 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 2018-03-26
Company: Experian Information Solutions Inc.
State: HI
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 writing to file a formal complaint against Experian, regarding my request to provide the Method of Verification ( MOV ) on ( 2 ) accounts listed on my credit report. 
After numerous attempts to amicably resolve this matter, Experian has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. 
Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. Enclosed you will find a recap on my communication with Experian, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.

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 2018-03-26
Company: CITIBANK, N.A.
State: OH
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 noticed a hard inquiry or pull on my XXXX credit report on XX/XX/2017 from CitiBank : Institution Information CITIBANK NA., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX I never applied for any type of credit card on that day with CitiBank nor did I authorize them to check my credit score. This is either due to someone using my details without my permission or CitiBank conducts unsolicited credit checks.

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 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 writing to file a formal complaint against XXXX  XXXX, regarding my request to provide the Method of Verification ( MOV ) on ( 3 ) accounts listed on my credit report. 
After numerous attempts to amicably resolve this matter, XXXX XXXX has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. 
Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. Enclosed you will find a recap on my communication with TransUnion, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.

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