BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-17
Company: Resurgent Capital Services L.P.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Between the months of XX/XX/XXXX and XX/XX/XXXX I  disputed the validity of a debt and account ( using my information without consent ) with an attorneys office on behalf of XXXX XXXX. The case XXXX was closed and the attorneys office responded the will cease collecting attempts. Fast forward to XX/XX/XXXX and I get a notification from XXXX credit bureau and from XXXX XXXX. The alerts notified me that a new account was added which was from XXXX XXXX My dispute this time is their blatant disregard of the conclusion of the cfpb case listed above XXXX. Ive spoke To the credit bureaus and they said that I was to receive a notification before the account and negative information was added to my credit report. This is a blatant violation of not only the FDCPA in regards to continuing to attempt to collect as well as the FCRA for furnishings negative information without written notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Just started working with Shellpoint Mortgage Servicing after being with XXXX for years. XXXX sold the mortgage. I am behind, I 've had many doctor/hospital bills and have been unemployed in the last 18 months. I am now employed but at a much lower salary. catching up is going to be hard but I can, I can also do a forbearance which just adds the 3 late payments to the end of the mortgage. this company sent me a hardship form saying I qualified, and then I get XXXX threatening notices with an intent to accelerate. I have no intention of letting my home go to foreclosure and find this just ridiculous. their on line reviews are terrible. 

It 's just a scam. 

I need assistance and will contact hud, will also contact my state AG 's office and will take all other avenues to protect myself and my home. 
Very disappointing and misleading company to work with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I paid in full the amount of {$580.00} to XXXX and received a confirmation # that I owe no money to them. Retrieval Masters Creditors Bureau inc has sent me a notice of money owed on XXXX for the amount of {$560.00} This money has been paid in full directly to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: PNC Bank N.A.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had multiple phone conversations with contradicting information from PNC Customer Service. I received their letter on XX/XX/XXXX stating my current LTV was at 83 %. On XX/XX/XXXX XXXX XXXX advised that my PMI would automatically be removed and would be reflected on my XX/XX/XXXX statement, if I made a principle payment to reduce my LTV under 78 % and there was no further actions required by me the customer. Therefore, I made a principal payment reduction reducing my LTV to 77 %. I spoke with XXXX XX/XX/XXXX and XXXX advised there is no record of my PMI being removed and it would be XX/XX/XXXX and the only way PNC BANK would remove my PMI was to obtain an Appraisal on my property. I submitted a written request to have the PMI removed on XX/XX/XXXX. PNC Bank responded by stating a Appraisal is required to ensure my property value has not decreased. 


XX/XX/XXXX- I have submitted paperwork to PNC Bank with a check to have an appraiser come out, Even though I have already met the original criteria to have my mortgage paid down below 78 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: GOLDMAN SACHS BANK USA
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: Account status incorrect

Complaint:
XXXX XXXX I applied and was approved for this credit with Goldman Sachs and its showing a negative impact on my credit for applying and being denied

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Experian Information Solutions Inc.
State: CO
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:
I froze my credit file with all three major credit reporting agencies back in 2006. I had some practical issues unfreezing the credit reports last year. This year I contacted all three credit reporting agencies via U.S. Mail ( see attachment ), asking them to check that the information they had on file was up to date. I also asked them, very clearly, to keep the freeze on my credit file. I also asked them for clear updated instructions on how to unfreeze my credit file, if that need were to arise sometime soon. These actions on my part are good standard practices to prevent fraud and identity theft. 

XXXX and XXXX responded adequately they got it right. Experian did not only get it wrong, they got it BACKWARDS! Think of backwards as being super-duper wrong. Extremely nonsensically wrong. So wrong that a thinking person would curl up in a corner and die of embarrassment for being stupid. Experian permanently removed the security freeze on my credit file!!! Now instead of having my credit file safely frozen, they've opened it up for the whole world. This is exactly the opposite of what I wanted to be done. I'm not going to charge them any money, at this time, for pointing out a terrible flaw in their business system of correspondence via U.S. Mail. 

Additionally, they allowed an incorrect XXXX XXXX XXXX to be available on the Internet. Having the wrong XXXX XXXX # caused a 2-3 week delay in communicating with them via U.S. Mail. It was very difficult to find someone to talk to at Experian to finally get the correct XXXX XXXX  #. 

Experian should not be allowed to hide behind some defense of incompetence or error. Let 's be honest, Experian loses money on credit freezes and will do almost anything to discourage and confuse consumers into properly using credit freezing/unfreezing options.

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 2018-03-17
Company: Experian Information Solutions Inc.
State: NV
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 have reviewed experian reply as to complaint filed. Still experian has failed per he FRCA and privacy law breach act to furnish any documents bearing my signature of stated public record of bankruptcy on my report. Experian states that they have verified accurate of any bankruptcy with public record and or vendor. Experian still has not let my compliant supplier me with information or written documents advising who and what vendor has given them information. I still continu me to still suffer from financial stress of experian neglect behavior and operating out of the law and cause deformation of credit ability to me. Lastly, I am still requesting that any and all accounts showing bankruptcy and public record of bankruptcy be removed from my report due failure of supply me with written documentation of such. Just because experian is staying that they verified such public with data vendor does not comply with stated original compliant and the FCRA. If not removed I will move forward with civil law suit for neglect actions.

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 2018-03-17
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied and was granted an income based repayment plan. At the start of the plan, was told I had to pay an amount to cover late payment charges, which were erroneous, but nonetheless I paid the amount requested. Since that time they have continually requested I pay the amount for the charges over and over. I was told the first payment was applied incorrectly but this would be rectified. It never was applied in the appropriate manner. I have talked to several customer service representatives, written many emails and letters to get this matter resolved. Now they have changed their online payment program to where I will once again have to pay the amount that they are saying is for late payments, which I never had a late payment, I had been in forbearance or deferment. There is no way to pay my income based repayment amount. Of course they are closed when I am able to call them. This is ridiculous and fraudulent at this point. This has been going on for 3 years at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2018 Portfolio Recovery received a request for validation from me regarding a collection on my report. I received a return letter from them on XX/XX/2018, dated XX/XX/2818 ( 3 days after the receipt of my request ). This return letter falsely stated they had sent me correspondence about my dispute to which I didn't reply, and due to me not replying, they were " terminating the investigation of the dispute ''. 1 ) I received nothing from them between the XXXX and XXXX asking for additional information, and 2 ) they terminated the investigation of the dispute within 3 days of my request. They violated my rights as a consumer by lying as well as not honoring my request for validation. Whatever a right as a consumer to request validation, and they violated my rights. I demand this be investigated and that their reporting be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: EQUIFAX, 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:
Equifax ; XXXX  and XXXX  are reporting incorrectly ( 120 ) days late on the XXXX XXXX account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages 5, 6, 7, and 8 attached  from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: LEXISNEXIS
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 realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.In a pass complaint your company had removed this account, but in a violation of the FCRA You have re-posted without a written notification prior to re-posting this account .Please remove this account permanently from my file to avoid further litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Kross, Lieberman & Stone, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I placed an order for a rifle scope on XXXX XXXX for {$1600.00}. XXXX XXXX shipped me a much cheaper scope than the one that I ordered. I made a return request for incorrect merchandise received and my return request was approved. I was advised that I would be refunded once the scope was received. The scope was received by XXXX XXXX according to the return tracking and I was never refunded. I disputed the charge with my credit card company as returned merchandise and I won that dispute. At this point XXXX XXXX set up a collections account with Kross Lieberman and Stone for {$1600.00}. This is a debt that I do not owe. 

I disputed the debt through the three major credit bureaus. I continued to receive harassing phone calls from Kross Lieberman and Stone, and received threats of lawsuits and threats of damage to my credit score. The collections account was ultimately reported on my credit report and has significantly damaged my credit score for nearly a year.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
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:
I have disputed many claims with Transunion. I have an identical twin sister. Our first names are very similar. Our middle names are different as well as our last names. Our XXXX is XXXX digit off. My credit report has her stuff on it as well as my stuff is on her credit report. My credit was better than hers, but Transunion keeps putting her stuff on my report dropping my score drastically. Every time I dispute the result comes back you are this person when I am not. How many times do I have to correct them only for them to tell me oh thats you when it is not. Transunion sent me mail to my home address with my first name on it with my twin sisters middle name on it. They have made us into XXXX person and mixed our credit history together. Please help because this is hurting my credit. 
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 2017-11-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My current address is wrong on all the credit reporting agencies. It says I live in an apartment and I do not, I live in a house. But you ca n't just correct the home you are living in currently. The current address they have listed is correct, but it has an old apartment number associated with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
All your information is incorrect, Inaccurate, or false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I, XXXX XXXX, booked a hotel on XXXX for my son, XXXX XXXX on XX/XX/2019. He was supposed to check in on XX/XX/2019. I also faxed in a credit card authorization form on XX/XX/2019. However, when he arrived at the hotel on XX/XX/2019 the staff at the hotel told him they did not have the credit card authorization form so they did not allow him to check in. He had to go to another hotel and pay cash in order to check in. However, my credit card was still billed on XX/XX/2019 for {$340.00} and on XX/XX/2019 for XXXX eventhough he was not allowed to check into the hotel. In addition my cara was charged twice for the same hotel stay. I should not be charged two times. In fact, I should not have to pay at all for a hotel he was not allowed to check into

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 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on the XXXX XXXX account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages 5, 6, 7, and 8 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.

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 2018-03-17
Company: Rosebud Economic Development Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took a installment loan out on XX/XX/17 for {$1600.00}, I received the money via ach transfer into my checking account. 2 weeks later I started making payments of {$140.00} which was deducted automatically every 2 weeks via electronic transfer. It was a high interest predatory loan a tribal loan. To this day after paying over {$2500.00} back the balance is still about {$1600.00}. To avoid this crazy interest i tried to contact company to pay it off to avoid the crazy interest. However starting over 1 month ago i tried to reaching the company but the number would go straight to a voicemail every timei called during normal business. I then noticed the website was gone and a new website was created with some type of shopping portal intro near the sign in. I emailed the company via the fake chat option, i emailed the support line only to get the message returned back to me. Next they went from deducting my account via ach transfer to making up a phony check. I then alerted my bank and am in the middle of closing the account. I believe they were shut down for legal reasons as I see many reports online about this company working under everal different business names and many complaints against 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 2019-10-02
Company: Experian Information Solutions Inc.
State: UT
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 is reporting lates on mine and my husband 's joint account that I should not have. We had this on auto-pay and never received any statements for it. We changed our address and had a forwarding address so there was no reason for us not to get these. Our mortgage went up and we never received notice or a phone call so we did not know to make higher payments, again this was on auto pay and we did not know the payment changed.

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 2018-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation