BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Shellpoint Mortgage Servicing mailed a notice of Mortgage Payment Change of {$860.00}. Since this notification of mortgage payment change, Shellpoint has sent monthly mortgage statements showing the following balance to be paid for each month : 1. XX/XX/XXXX ( {$1300.00} ), 2. XX/XX/XXXX ( {$1300.00} ) 3. XX/XX/XXXX XXXX {$1300.00} ) 4. XX/XX/XXXX ( {$1300.00} ) 5. XX/XX/XXXX ( {$1300.00} ) 6. XX/XX/XXXX ( {$1300.00} ) 7. XX/XX/XXXX ( {$1300.00} ) 8. XX/XX/XXXX ( {$1300.00} ) 9. XX/XX/XXXX ( {$1300.00} ) XXXX. XX/XX/XXXX ( {$1400.00} ) 11. XX/XX/XXXX ( {$1400.00} ) 12. XX/XX/XXXX ( {$1500.00} ) 13. XX/XX/XXXX ( {$930.00} ) I have requested from Shellpoint a detailed explanation for the additional charges showing as overdue payment. Shellpoint has made false claims of not receiving monthly payments. After forwarding proof of payments from bank records and requesting payments to be credited to my account. Shellpoint continued to add overdue payments and late fees. On XX/XX/XXXX, I sent a check to Shellpoint for {$1500.00}. As of XX/XX/XXXX, the Shellpoint Monthly mortgage statement still shows an overdue payment of {$310.00} and the {$1500.00} paid on XX/XX/XXXX not properly credited. After two years of disputing bogus charges and lies about not receiving payments Shellpoint sent a refund check in XX/XX/XXXX in the amount of {$1000.00} showing as a surplus with no explanation about what the refund represents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
LVNV FUNDING, LLC/RESURGENT CAPITAL SERVICES has used obscene and belligerent language requesting to collect a debt ; that they have shown no evidentiary documents I have a contract with the said company. LVNV FUNDING,  LLC/RESURGENT CAPITAL SERVICES are in violation of 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: BBVA FINANCIAL CORPORATION
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am from South Dakota and I bought a new vehicle in Arizona, financed with BBVA Compass Bank, and they can not get me a title transfer so I can license it in XXXX XXXX. XXXX XXXX XXXX ( South Dakota ) has requested title three different times and I have called several dozen times trying to get this. I called the AZ XXXX to see if they had it on file in my name and it is but they can't release it to anyone other than BBVA Compass. This vehicle has been sitting in my garage since XX/XX/2018 and I ca n't drive it because I don't have license plates. I am tired of paying for a new vehicle I ca n't drive. 
I have read reviews on their website and apparently this is not the first time this has happened. 
Leinholder is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: LA
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:
Contacted all 3 major Credit Bureaus with regards to an account that is showing up on my report from XXXX/XXXX and asked that it be removed from my credit report. This account was from supposedly from XXXX XXXX. I contacted XXXX XXXX and they confirmed on XX/XX/2021 at XXXX XXXX Central Time that this account could not be found in their system and that they had no knowledge of the account. I spent over an hour on the phone with a XXXX XXXX representative named XXXX. 

I asked that this account be removed from my reports as it could obviously not be verified. I have submitted disputes multiple times with each credit bureau and they all respond that the information is correct in less than 7 days. This is an impossibility!!!! 

This account needs to be removed from my account according to the FCRA Section 604, 609 and 611. They can not positively verify this account. I attempted to cofirm this account with XXXX XXXX and could not so there is no way that they could possible have followed the correct protocol and followed the FEDERAL LAW with regards to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, WA XXXX 1. XXXX XXXXXXXX Account No. XXXX 2. XXXX XXXX XXXX Account No. XXXXpartial 3. XXXX Account No. XXXX 4. XXXX XXXX Account No. XXXX 5. XXXX XXXX Account No. XXXX 6. XXXX XXXX Account No. XXXXpartial 7. XXXX XXXX Account No. XXXX 8. XXXX XXXX XXXX XXXX Account No. XXXX 9. XXXX XXXX Account No. XXXX 10. XXXX Account No. XXXX 11. XXXX Account No. XXXX 12. XXXX Account No. XXXX 13. XXXX Accoutn No. XXXXpartial 14. XXXX XXXX XXXX Account No.XXXXpartial To Whom It May Concern : I have requested the above creditors to be deleted from credit report being that these accounts are unverifiable accounts. I am at the point now where I am tired of reaching out to these creditors in efforts to resolve these unverifiable accounts. I feel that as a consumer my rights have been completely ignored due to the fact that I have not had any success in getting any of these accounts delete from my credit report since they have not been validated. I have not only requested for the debts to be validated but I have requested for the creditors to provide method of verification. However, I have been sent numerous of billing statement and yet have received any information with a signed contract with my signature between me and the creditors. As you are aware of that under the Debt collection Practices Act ( FDCPA ), I have the right to request validation of these debts that the companies are saying that I owe. I dont understand what is so hard about the creditors sending me proof that I am indeed the party that they are requesting to pay a debt, whereas they is some contractual obligation that is binding me to pay these debts. 
I have been refused employed due to these items reporting on my credit report. I dont feel that this is fair because this information is not accurate reporting on my credit report and should be completely deleted. Although I have made several attempts to try to resolved these accounts. I have been force under the impressions that if I dont make some type of arrangements on the accounts, I would be sued by the company and my bank account would be garnished. Therefore, in an attempt to resolve these accounts I have been force to make minimal monthly payments due to the fact that they are stating that these accounts are indeed mines. However, I am not agreeing that any of these accounts are mines because I have no knowledge of the above accounts. 
The company is reporting inaccurate information on my credit report that is very unfair, and violate my rights as an consumer.

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 2018-03-28
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
***I was working with Amerihome Mortgage on a loan modification for my house. I did not receive the packet in the mail that the lender told me i was going to receive. I downloaded the application and faxed them over all the forms they needed several times. 

***Amerihome Mortgage went ahead and auctioned off my property regardless that we were already in the negotiation phase of doing a loan modification. 

***I was told by hud that i qualified for a loan modification since i had an fha loan and qualifed for a hardship since i am XXXX XXXX. 

***I would like somebody to look into this since i do not feel that anybody should be told one thing ( Amerihome Mortgage helping me do a loan modification ) but at the same time they were still moving forward with auctioning off my property. It specifically states that this is illegal to do in the homeowners bill of rights as well. 

***I had to file bankruptcy just to save my home from being sold by the bank. 

***I had my XXXX and became ill and on XXXX XXXX however the lender has not once given me any type of solution that shows they are willing to help me with a loan modification. I have applied XXXX separate times and was denied for a Different reason each time by Amerihome Mortgage. This needs to stop not just for me, but by anybody who is XXXX XXXX who is having a hard time paying their mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EOS Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has repeatedly called me thru a pre-recorded phone call to my cellphone asking me to pay a past due amount on a membership that I requested to cancel numerous times already. I called in to cancel and they told me that it would be done. It was not completed. I called in again to cancel and they told me that I had to send an email to request cancellation, so I sent the email on XX/XX/2021. Then I received another pre-recorded phone call regarding a past due amount on Monday, XX/XX/2021. I called the number that was given to me during the message and asked again why I was being charged when I made numerous attempts to cancel this account. The gentlemen told me that they can not cancel the account while there is a balance because cancellations take effect 30 days after the request. I explained to him that the first time that I requested to cancel this account was well past 30 days ago. He stated I had to pay the balance and that the account will not be closed. They already took a {$84.00} payment from my account on XX/XX/2021 and they are still looking for more money. I have not used this membership and will not use it while there is a serious pandemic occurring. I explained this to the rep. I refuse to pay for a membership that I have not used and continue to request that it be canceled. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Receivables Management Associates
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
1 ) XX/XX/XXXX responded to allegations from Piedmont Credit & Collection Services, XXXX XXXX XXXX, XXXX VA with Notice of First and Final Warning, requesting, in part, they cease all communications with me, and a Notice of Final Payment for the alleged account along with a money order. 

2 ) In a letter dated XX/XX/XXXX Piedmont Credit & Collection Services declined my offer and returned the money order stating they would cease further communications with me regarding this account ( see attachment ). 

3 ) Contacted again by phone in XXXX XXXX by Acct Rep. XXXX XXXX regarding a collection. Requested she mail it to me to look over. Same collection notice as before. Responded with a copy of their XX/XX/XXXX letter and again requested they cease contact. 

4 ) Contacted by phone or about XX/XX/XXXX by unknown acct. rep. who stated she had been trying to get in contact with me. Noticed she stated bills were from XXXX. I was confused and asked her to mail it to me to look over. Then I questioned her about the dates and started to write them down, but she suggested just mailing them. Received letter postmarked XX/XX/XXXX with same account, same dates but with with higher amounts and a newer one added. 

5 ) Responded XX/XX/XXXX explaining everything once again and requesting they cease all communication with me. 

6 ) Over six years of periodic contact after stating they would not contact me..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, 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 am filing this complaint so that my XXXX Late payments from 2018 are removed and those are not mine. I have a pristine clean Credit Score and this is the only late payment ever reported which is not mine. I have had a conversation many times with XXXX, I have been with them for the past 5 years and have never missed a payment since everything is on Autopay. Back in 2018 I called them and confirmed over the phone the switching of the bank account and to move my auto pay to the new account. In XXXX they reported a 30 day late payment which is NOT mine, then after calling them they said they fill fix the error after me explaining that I have called and I have told them and it has been confirmed by them everything is in order for the autopay. Then XXXX goes good without problems and again in XXXX 30 day and XXXX 60 days late payment. I was frustrated and called them again and they said they will look into it and I should send a letter to their credit department. Never got any response back. I have tried multiple times to fix the issue but they dont seem to listen. So that is why I am filing this complaint and I am hoping you would be able to help me out

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, Ditech sent me a notice that they had a computer problem and that my payment for XXXX was returned to XXXX XXXX XXXX and to please resubmit the payment. I did so immediately. However they lost the payment and kept saying I was behind and overdue with my monthly payments. I have receive several calls and letters stating such. I called Ditech and explained to them the situation and shared the fact that I have never been late on any payments and was up to date. At their request I had XXXX XXXX XXXX XXXX Ditech proof of payments and XXXX XXXX XXXX manager spoke to them in detail that it was their fault. Finally they got it and said I was correct and that it would be taken care of. It is now the end of XXXX and Ditech still has not corrected the problem and continues to send letters stating that I owe them payments. I have talked to eight different representatives of Ditech and all they do is keep putting off the problem. They are now stating that XXXX XXXX XXXX will be servicing my mortgage beginning XX/XX/XXXX. I have proof of payments and XXXX XXXX XXXX has talked to Ditech several times but nothing is being accomplished or resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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: Account status incorrect

Complaint:
XX/XX/XXXX i tried to dispute it because i settle the payment with XXXX XXXX XXXX/XXXX  XXXX on XX/XX/XXXX for the amount of {$210.00} and they saying i still owe for that. I would like it deleted from my records!

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 2021-02-01
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: Information belongs to someone else

Complaint:
I have repeatedly asked the credit bureau to verify information on a report. they have refused to verify the information provided by XXXX XXXX XXXX. They have listed the item of verified and refused to say how they verified. I have talked to the original vendor and even they agree the information is not correct. they have failed to follow the rules and verify the account. I have even hired a law firm to send them letters and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Credit union transferred my checking account balance to my credit card which caused a debit to bounce, resulting in {$110.00} overdraft fees. 

I called the credit union today ( XX/XX/XXXX ) and stated that if the credit union had not transferred my balance the debit would have cleared my account thus there would not be an overdraft on the account. I requested removal of the overdraft fees as I have NEVER had an overdraft on my checking account before. 

I was told that when I opened the account the paperwork stated that if a credit card payment is late funds will be transferred from other accounts. I opened the account in XXXX and have not had money transferred from my checking account before although my credit card payment has been late before. 

Navy Federal Credit Union did not give me any advance notice that they were transferring my account balance to the credit card. As the credit union has not done this is the past I had no idea my debit would bounce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Incomm Holdings Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I purchased this card from XXXX XXXX about 40 minutes ago XXXX XXXX  XXXX XXXX XXXX ms XXXX to pay cell bill and these people want let me get money off are even activate card so basically they took my hard earned cash ... I'm a single parent with XXXXchidren this is not right somebody help times are to hard

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
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: Public record information inaccurate

Complaint:
According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you and all credit agencies, equifax, XXXX, XXXXXXXX XXXX XXXX, etc. as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account. these debt collectors failure to verify this account is trespass on right to privacy and to contract. Under the FDCPA, 15 USC 6802 unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.

I require the following accounts be verified or removed immediately XXXX Ref # XXXX XXXX Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Experian Information Solutions Inc.
State: TX
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:
Disputed Item with XXXX/Experian XX/XX/XXXX & XX/XX/XXXX ( via mail and online ) XXXX/Experian verified as accurate XX/XX/XXXX & XX/XX/XXXX ( via mail and online ) Request XXXX/Experian FCRA 611 letter XX/XX/XXXX & XX/XX/XXXX ( no response ) Sent reported creditor a Dispute letter requesting adherence to applicable laws adherence and validation of debt. XX/XX/XXXX ( no response ) Sent Second Letter reported creditor a Dispute letter requesting adherence to applicable laws adherence and validation of debt XX/XX/XXXX ( no response ) Sent XXXX/Experian Final letter before submitting Complaint ( s ) XX/XX/XXXX ( no response )

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 2019-11-14
Company: EQUIFAX, INC.
State: GA
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:
Hard Inquiry run my XXXX XXXX on XX/XX/2019, without my knowledge or consent. 
I never applied for credit or opened any account with XXXX XXXX. 

Institution Information XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX  XXXX card does not belong to me please delete from my credit report XXXX  XXXX XXXX XXXX  I was never late please remove from my credit report. Always paid on time

Company response to consumer: Closed with explanation