BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-07
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:
I had spoken to Equifax about an account that they are reporting on my credit file and they said they were not changing anything. I have forwarded them information showing the account should be removed as per the company and they still are giving me the running around. The account is XXXX XXXX XXXX and I have included the letter showing it is suppose to be deleted. I really need your help. I do n't know why Equifax continues to not do their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-02-02
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by CREDIT CONTROL CORP in XXXX of XXXX for a medical debt originating from XXXX XXXX. I asked for copies of bills to sent to me I had moved in XXXX of XXXX and XXXX of XXXX. I updated my address with CREDIT CONTROL CORP on a phone call in XXXX. At that time, I made a good faith payment of about {$100.00} while awaiting copies of the statements. I gave the phone operator my credit card to keep on file. I never received the copies of the statements. On XX/XX/XXXX I was alerted via email from XXXX and XXXX that this account for about {$150.00} was placed in collections. I called CREDIT CONTRO CORP the same morning XXXX XXXX, XXXX and paid the balance in full. They said they had my card on file and that I had made a previous payment. When I asked why I didn't receive the statements they refused to give me an explanation. I asked for this to be removed from my credit report asap as I am going to settlement on a house on XXXX XXXX. They said they will not remove the debt collection from my credit reports. 
I feel I was not given proper notice and statements AFTER making a good faith payment in late XXXX of XXXX for about half of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: AR
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:
Credit was pulled without authorization on the following : Experian 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 2017-12-28
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a new home in XXXX, FL in XXXX at the address of ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I paid {$230000.00} for the home. I could only finance {$140000.00} at that time with XXXX XXXX so I financed {$35000.00} with XXXX XXXX which is the builder of the home, I put {$60000.00} down to XXXX XXXX and {$35000.00} down to XXXX XXXX ( the builder ) leaving a balance of {$140000.00} to finance the home. I have a deed that proves the {$350000.00} was paid-off in XXXX leaving me with only {$140000.00} balance to the lender. 
About ten years into the loan I borrowed {$42000.00} for a small business loan that I incorporated into the original mortgage and still maintained one mortgage. 
The issues began when my mortgage was being bought out by three other loan companies which includes my original mortgage company XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and finally Ocwen Loan Servicing (  current lender ). 
In summery, without my knowledge the factuality information about my loans being transferred from one to another were without my knowledge or my consent. All these transfers were raising the mortgage amount and the payment amount as they were bought out beyond my control. With all the issues that I have been dealing with made me do a lot of extra research and I have found out that all the listed lenders ( excluding XXXX XXXX ) are in class action lawsuits and being sued for fraudulent actions, such as over charging for forced insurance, causing sales of homes and placing people in foreclosure. 
This was severely doubling the loan payment and increasing the mortgage as consumer fraud as it was being bought out from lender to lender. There is no proof in this matter that says I am responsible for all these added amounts and fees and where they came about. 
Please assure me by my request, signed modification agreements and by my allegations that this is of fraud and Im correct. I can show proof of the original mortgage amounts. 
Please assist me by helping me resolve my issues by reviewing my original note which I have showing I paid {$230000.00} for the original mortgage, and {$1200.00} payments, giving the {$60000.00} to XXXX XXXX, {$35000.00} to Banner Homes and having a remanding balance of {$140000.00} owed in which I have been paying on since the purchase of the home for at least 24 years. 
Respond to me by carbon-copies who is resisting me on these recurring matters. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX CELL : 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 2017-11-07
Company: Seterus, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Closing on a mortgage

Complaint:
Some how around 2011 my mortgage was bought by SETERUS INC and during that time I had filed a Chapter XXXX and since then I have completed it almost a year ago! I have asked for payment statements and I have not received one to  this day and yet I still send in my payment. I have asked why there is no record of my payments being made on my credit records and I have not received an honest answer 4 different answers from 4 different people! I also dont understand where almost {$50000.00} has been attached to my loan.

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 2019-05-12
Company: LEXISNEXIS
State: AL
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:
LexisNexis filed a response to my last dispute stating they have removed a bankruptcy from my credit report. Their response also indicates that it was removed due to exceeding the timeframe for verification. They are refusing to admit that the public information was never verified. I have proof of the continual lies. The bankruptcy is still showing on my credit report even after LexisNexis claimed they removed it. The response from LexisNexis states that bankruptcy is verified with the Pacer system. MORE LIES AND I HAVE PROOF!!! There is no bankruptcy listed under my name in the Pacer system. This bankruptcy should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Processed a complaint with your agency against ditech financial llc in regards to being sent multiple letters for weeks stating my mortgage is late and going to be put in foreclosure. Account was and is current. Your agency contacted ditech in regards to this and they apparently informed you it's been managed. It hasn't, still receiving letters that the account is late, and late fees are going to be applied. The letter is being generated weeks after ditech is receiving the payment for the account. Also the payment has gone up without explanation on why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: VA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an alert from my credit monitoring service and Capio Partners LLC is  erroneously reporting a debt in the amount of {$180.00} for an account opened on XX/XX/2019. I have no knowledge or relation to this company. I have never received any correspondence from this company. I have no idea who Capio Partners is and they are negatively impacting my credit report and scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: Experian Information Solutions Inc.
State: KY
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: Investigation took more than 30 days

Complaint:
i HAVE SEVERAL MEDICAL ACCOUNTS LISTED ON MY CREDIT REPORTS ( XXXX, XXXX AND EXPERIAN ) The accounts are from XXXX XXXX  and have been in DISPUTE FOR OVER 6 MONTHS. I have ordered my reports several times and the accounts just show as being disputed but they should have been removed.

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-07
Company: Southwest Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PLEASE BE ADVISED THIS IS LIKE MY FORTH REQUEST.. IVE SENT IN MULTIPLE FTC REPORTS TO SOUTHWEST RECOVERY, EXPLAINING THAT IHAVE BEEN A VICTIM OF IDENTITY THEFT. FOR SOME REASON ALL MY INFORMAION IS BEENING IGNORED. PER FCRA THIS INFORMATION NEEDS TO BE BLOCKED FROM MY REPORT, IF SOMETHING DOESNT HAPPEN SOON I WILL SEEK AN ATTORNEY AND SEND A COMPLAINT THE ATTORNEY GENERALS OFFICE.

PLEASE SEE ATTACHED FTC REPORT 15 USC1681C-2 ( A ) THE LAW SAYS IN CASE OF IDENITIY THEFTA CONSUMER ( MYSELF ) MUST PROVIDE 1. FTC REPORT 2. IDENTIFICATION 3.CONFIRMATION FROM CONSUMER ( ME ) THAT SAID ACCOUNT IS FRAUDLENT AND I DONT ACCEPT RESPONSIBILITY,,

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Accountnumber XXXX ... ... ..failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after 05/2015, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, SYNCB/WALMARTDC '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) SYNCB/WALMARTDC failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
I attached a copy of the law and the actual document from the federal reserve XXXX is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )

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 2021-06-10
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: Problem with personal statement of dispute

Complaint:
I notified Experian that I am a victim of identity theft. I know I am responding to Experian response. I did not receive anything/goods and my request is not in error. I am a victim of identity theft.

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 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
HELLO SORRY FOR BOTHER DISTURBANCE BUT I HAVE MULTIPLE INQUIRES IN MY CREDIT REPORT THAT I DO NOT RECOGNIZE SOMEONE ELSE USING MY PERSONAL INFORMATION WITHOUT MY PERMISSION IN A FRAUDULENT WAY AND TRY TO COMMUNICATE WITH EACH COMPANY BUT THE RESPONSE OF THEM IS NOT TO BE ABLE TO HELP ME, YOU CAN NOT FIND ME IN YOUR SYSTEMS YOU CAN ONLY TELL ME TO CONTACT DIRECTLY THE CREDIT BUREAU AND SO YOU CAN HELP ME REMOVE THE FRAUDULENT INQUIRES THANK YOU .. BUT I TRY TO COMMUNICATE WITH YOU BUT I RECEIVED NO POSITIVE RESPONSE PLEASE HELP ME TO UPDATE MY INFORMATION THANKS XXXX ARE PAY ...

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 2021-05-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello I am resubmitting my complaint since I didnt get a resolution and my complaint was closed due to a pending loan modification but my loan modification has been denied : I have tried to apply for loan modifications in order to avoid losing my home and to afford making payments and the loan modifications have been rejected. Now Im trying to refinance but my 2nd lien, also SPS, had a 15 year balloon payment which ended XX/XX/2020 so they stopped accepting my payments. I need to get SPS to accept my payments from XXXX thru today in order for me to be able to refinance. I can not refinance without having payments up to date. I can only afford my house with lower payments which can be done through the refinance which will payoff both loans. If not Im stuck and need to prevent losing my home to a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-11-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We received a letter in the mail regarding a debt with HSBC Bank from XXXX XXXX XXXX XXXX. That debt was paid last year, however since we did n't realize about it and we " trusted '' the letter, we accesed the online payment option which was only able to be paid with debit card or check. " The debt '' was paid with debit card just to avoid any issues, however we realized something was wrong. We called this company, they couldnt provide ANY information about it, their verification procedure was none, they said their system was down and will call back whenever the system gets back. There is only one guy answering the phone ( from a collections company, pretty strange ). Several calls after they got me to a " supervisor '' that could n't tell us ANYTHING about the debt. They did not want to return the payment and said that we should call the card to dispute the charge, but since it is debit, the money is already gone. 
We are furious. We wish that someone goes after them and uncovers the truth. There are many people reviewing the company fake online as a scam. Looks like that company also violated many collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have done several online and written disputes with XXXX and XXXX credit bureaus to remove portfolio recovery who are not authorized to collect in the state of TX and with whom I have no contact. I also sent a cease and desist letter to PR but they have refused to comply. I only received an itemized bill when I asked for validation with my signed signature agreeing to a contract with them.

Company response to consumer: Closed with explanation