BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently I have sent out a dispute letter to Experian regarding an account that's negatively reporting to my consumer report. They responded that this account is verified and belongs to me but how can this account belong to me if there is no mutual agreement between me and the creditor? I believe that it is Experian 's duty to report accurate information but if this account doesn't have any documents to providing accuracy nor agreements then this account isn't verifiable. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, Experian must investigate this account and if the creditor can't provide any agreements then this account must fall off. Pursuant 15 U.S. Code 1681- Congressional findings and statement of purpose, Experian must report the most accurate information possible. This account is under multiple violations in which it's reporting unlawfully. 

Violations committed : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2019-08-21
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Two months ago I opened a card for a purchase around $XXXX and paid it off the same month when the statement came. This month I got another statement from them that had $XXXX outstanding balance. Apparently I was charged a $XXXX late fee as my payment was processed one day late. I have no idea how something that was postmarked at least 5 days before it was due would take so long to process. Then they stacked another late fee of $XXXX on the second month - which is why it added up to $XXXX. I called them and they removed the most recent late fee - but said I still owed them $XXXX. They also claimed to have called me to notify me but I have not received a single call or voicemail.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MY STUDENT LOANS WERE ZEROED OUT AND PAID OFF FOUR MONTHS AGO. i HAVE SENT DOCUMENTATION TO BUREAUS YET XXXX KEEPS UPDATING AS ACCURATE.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-03
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home loan with XXXX XXXX/PHH Mortgage Services was illegally and wrongfully foreclosed XX/XX/XXXX. 
I affirm that my home was wrongfully foreclosed because I was under the terms of a trial modification plan and had executed all payments as outlined in the agreement, within a timely manner. However, XXXX XXXXXXXXPHH Mortgage Services acted illegally and in bad faith, contrary to the trial modification plan XXXX XXXXPHH Mortgage Services issued when they dual-tracked my loan and foreclosed on my home. 
My trial modification plan which was accepted and sent back to the lender XX/XX/XXXX outlines I was instructed to make three payments of {$490.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Per the plans agreement I executed my payments in each month via wire transfer. I have each month 's receipt that prove my payment were credited to " PHH Mortgage '' for each month of the trial payment. 
When I discovered my home had been foreclosed and sold in XX/XX/XXXX, I was still under the terms of XXXX XXXXXXXXPHH Mortgage Services ' trial modification plan, so I understand that the lender, XXXX XXXXPHH Mortgage Services was improperly dual-tracking my loan and made the error to not notify their Foreclosure Department to halt the sale of my home while a loan modification was in effect. 
My home has been sold to a third party now, but I want XXXX XXXXXXXX PHH Mortgage Services to rescind my foreclosure and restore my loan to the point where I should have been in loss mitigation. Additionally, XXXX XXXX PHH Mortgage Services should inform the third-party purchaser of my home that there was an invalid sale transaction due to a wrongful and illegal foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX  XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, My younger brother XXXX XXXX did steal a life insurance check for the amount of {$12000.00} made payable to myself from XXXX XXXX XXXX XXXX due to the death of my mother that occurred on XX/XX/XXXX. As I just mentioned, my mother passed away XX/XX/XXXX in her home in XXXX, XXXX At the time of her death I was XXXX and so I paid XXXX to to be XXXX to come home and deal with the loss of my mother. Subsequently, my mother had life insurance and therefor a claim needed to be initiated in order to receive payment. 
My brother and filed our claims to receive payment, however on XX/XX/XXXX I was XXXX to 18 months of XXXX time in XXXX County, XXXX for the unresolved matter that I was home on XXXX for when my mother passed away. My brother took full advantage of my situation and went to my home address, stole my check from my mailbox and EXTRAORDINARILY somehow did deposit MY check made payable to myself into his Capitol One Account with HIS name attached to HIS account that I have no association with whatsoever and of-course it was illegally done. I've brought this matter to the attention of Capitol One on XX/XX/XXXX when I was released from XXXX my XXXX and learned of what my brother did. Included in my supporting documentation is a copy of the check both front and back with my brother 's social security number, phone number, his Capitol One account number, the date of deposit and my forged signature. I have an affidavit of forgery that I signed stating and reiterating the fact that the signed signature is not my own, I've included a copy of my license and my passport that all reveal my signature along with the affidavit of forgery. I've been dealing with this issue for about 4 months to no avail. Furthermore, I received a response to this issue from a woman named XXXX XXXX that gave me her phone number and work hours as a person of contact on XX/XX/XXXX. As of today XX/XX/XXXX I still have not heard from XXXX XXXX nor Capital One, Ive called XXXX XXXX nmerous times at the number and extension provided and have left messages again to no avail. It seems as though Capital One just sent any old response to have this case closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Riverwalk Financial Corporation
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have spoken to this debt collection company and advised them this account is disputed and even provided my correct mailing address. I have never received any documentation from them, They had an incorrect address for me, somewhere I lived years ago. I was told this is a payday loan that was taken out online but they have not provided me any documentation to validate there claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1. Our loan was with XXXX XXXX for XXXX years. 
2. Covid 19 struck and XXXX XXXX automatically enrolled us in the program that suspends payments due to the pandemic ( see attached ). 
3. Specialized Loan Servicing apparently bought our loan from XXXX XXXX at the 15 of 30 year point right as COVID-19 struck. They did not honor XXXX XXXX loan payment suspend. 
4. I was XXXX XXXX due to Pandemic. 
5. SLS offered a forbearance plan with warm soothings that they knew their clients would need loan mods or repayment plans because they wouldn't be able to make a lump sum payment at the end of the forbearance. They stated in writing that they would assist in repayment efforts. 
6. Now that my forbearance plan ended SLS is refusing any type of loan modification or repayment plan and only giving me option of deed in lieu or foreclosure. My income is well above their parameters, my credit is well above too. If they were going to force a lump sum payment, they should have said that upfront, instead they misled in writing and in their marketing online as well as correspondence within online account holder areas. I have proof. 
I tried to pay monthly payments beginning XX/XX/XXXX ( end of plan ) but they sent all the payments back. I send them again, they send them back stating they don't accept payments from a delinquent account!! 
Further, because my wife died of XXXX XXXX before all this occurred, SLS dragged me through an additional 4 months of default. They wouldn't begin the process of letting me apply to modify loan and repay forbearance months until I was the legal successor and it took them four months to receive documents and reach that point. Then another 2.5 to receive and deny my paperwork requesting mortgage assistance in the form of a loan mod or repayment plan.

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 2023-11-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending letters and calling all three bureaus for the past 10 months starting XX/XX/2023 to correct the following. I also informed them that my information had been compromised and I needed help. Even filing a police report and constantly sending letters did not help. When I called XXXX XXXX actually asked me to give them a heads up if I file a complaint with you. I bullied and trapped by this corporate machine please help! 
XXXX. All of the XXXX inquiries are not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not my account 3.Department of Education loans are paid in full and not reporting positively on my account even though the status is paid in full. On XXXX XXXX the balance has not been corrected and my student loans are reporting with a balance. 
XXXX. XXXX XXXX account number XXXX is not my account. 
XXXX XXXXXXXX XXXX XXXX XXXX NOT MY ACCOUNT XXXX. XXXX XXXX NOT MY ACCOUNT I've been reporting fraud for almost a year and calling monthly the reps ignore me and Im at the point of tears because I reached out and pleaded in writing and via phone for assistance and none was granted! Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23
Company: TRANSWORLD SYSTEMS INC
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received notification from Transworld Systems Inc, Debt Collector on   XXXX   XXXX  , 2017. Called Debt collector on   XXXX   XXXX  , 2017 to find out more information regarding debt owed. I told them I would need to contact the insurance company regarding payment. Received insurance information on   XXXX   XXXX  , 2017 showing debt paid to creditor. Called debt collector on   XXXX   XXXX  , 2017 and gave them the information. Debt collect will not allow scanned email of insurance information but will allow fax or mail. Both can be unreliably when trying to prove they received the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: ALLY FINANCIAL INC.
State: PA
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:
The following companies had made inquiries on my credit report with accounts that I do not have which is a violation of my consumer law rights. I do not have an accounts with the following : Ally Financial Dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-09
Company: The Bureaus, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/21 at XXXX am XXXX XXXX of XXXX XXXX contacted regarding a collection account. I advised Mr. XXXX since this is his first time contacting me that I was uncomfortable verifying my information. First, he only mentioned the name of the company but asked for me to verify last 4 of ssn, address, and date of birth. Stating to him that I needed to know who he was with and the matter he became aggressive with his tone and stated he already told me XXXX XXXX. Upon him giving the type of account I asked that he provide me via mail a verification of debt. In an aggressive tone he stated I had already gotten this information and he would send via email. I advised no email to send to and he cut me off mid sentence. Stated that this is not the first time I have been contacted regarding this account and he would tell the lender that I am uncooperative and threatened next course of action. I advised Mr. XXXX that I am at work and can not talk at the moment. He became irrate and said since this matter isn't important to me he would proceed with the next actions. Throughout the conversation I asked why was he continuing to cut me off mid sentence and threatening next action when this is his first time contacting me. After being overtalked for so long I asked for a supervisor. I advised him that I was at work and provided an alternate phone number. This company representatives continued to talk when I clearly stated I could not talk. Very aggressive and threatens next action when you ask for their credentials and verification of a debt prior to paying. This is my right as a consumer and in todays society it would be foolish to provide any personal information to complete strangers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bill was sent to Mom in XXXX. It was an XXXX bill pertaining to a XXXX appt. for my Dad, who died in early XXXX. I called XXXX to see what action should be taken as my Mom doesn't have the money to pay this bill, and it was my father 's bill. They said my mother had to pay the bill. No payment plan was available. Apparently, XXXX then changed the address to my Mother 's name to send more bills. 
I took the bill and paid it XXXX XXXX. This week Mom got another bill from XXXX 's collection agency, Alliance Collection Agencies , Inc. of XXXX WI. 
This bill/letter is mostly in " bold '' print and threatening debt collection judgement against my XXXX year old Mom, and the bill was already paid! I called XXXX and they said they had recieved the check in XXXX, but it was sitting in an " ink '' account and did not get processed. 
What is an " ink '' account? And why would they not process the check and send it to a collection agency, even though they have their money? This is a bad practice!

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 2016-03-08
Company: Fay Servicing, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My servicer, Fay Servicing, failed to inform me that they were transferring my loan to XXXX XXXX within 15 days. In fact, I still have not heard from them. And the company they sold it to, Florida XXXX XXXX, did not inform me in a timely fashion. I only received their letter on XXXX/XXXX/16 when transfer was to take place XXXX - XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Specialized Loan Servicing Holdings LLC
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 information incorrect

Complaint:
I have mortgage loan with Specialized loan Service ( SLS ) and this company always report wrong info to the credit agency and lately I lost 15 point because I am not making my payment. I make my payment on time and my payment is current. also they increase the payment any time they like, my mortgage is set for fixed rate. I am getting tired and sick of what they doing, is no one to enforce these type of companies I need help please. If you have any questions please feel free to call me at XXXX Thank you 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 2023-08-10
Company: Experian Information Solutions Inc.
State: NY
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 recently submitted a request for an investigation of the disputed accounts, Since I believed 3 credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 

XXXX XXXX XXXX XXXX Balance Owed : {$10.00} ; US DEPT ED XXXX Balance Owed : {$3500.00} ; US DEPT ED XXXX Balance Owed : {$20.00}.

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