BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: JH Portfolio Debt Equities, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter that I owed XXXX XXXX XXXX for unpaid debt. Six years ago in XXXX, I settled with XXXX XXXX XXXX for the balance owed in XXXX County Magistrate court. I am no liable for this balance because all debt has been settled. I have not been in communication with XXXX XXXX XXXX at all till this year when I received letter for debt collection. Finally, XXXX XXXX XXXX was presented on my credit years ago and since than has 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 explanation
Consumer complaint received 2018-01-08
Company: Diversified Consultants, Inc.
State: MS
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:
Diversified Consultants Inc. was sent an initial dispute letter in XXXX XXXX of an incorrect reporting of a collections on my credit report. I have sent this company 3 letters with 2 of them being certified by mail letters in which Diversified Consultants never responded. Since they are a third party collection agency, I requested an original signed copy of this account with my signature validating this account belongs to me. This collection account that is listed as XXXX on my credit report does not belong to me. This collection is being reported INCORRECTLY on my credit report. This account number with XXXX XXXX is 1 ) being reported as an incomplete account number on my credit report 2 ) this account does NOT belong to me 3 ) Last  Payment Date listed as XXXX/XXXX/XXXX is inaccurate and does n't exist. Diversified Consultants Inc. has not only violated federal and state laws by not replying to any of my certified letters, but has also failed to provide me with a copy of any viable evidence, bearing my signature, showing this account belongs to me and is being reported accurately. I am requesting that they delete this from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16
Company: STATE FARM BANK, FSB
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
State Farm Bank is enticing their clients by promises of Visa gift cards,  which might as well be considered cash due to them being accepted everywhere. This is rebating and is highly illegal. They are essentially " bribing '' their customers to finance with them over another lender even though the other lender has a better rate or program available.

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 2019-03-23
Company: Experian Information Solutions Inc.
State: IL
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:
In the summer of XX/XX/XXXX I was denied a mortgage loan due to inaccurate information reported from the credit bureaus. My report displayed a collection bill from XXXX XXXX XXXX, XXXX XXXX stating that I have charge offs and open accounts. In the past I did have an installment loan with this company, but that account was paid as agreed upon with no issue. I reached out to XXXX XXXX and was given no proof of an open or unpaid account with them. When I mailed validation letters to the bureaus to confirm this debt nothing was sent other than a statement that this company has provided them proof of this debt. On XX/XX/XXXX I sent another round of letter to the bureaus and this time Experian is stating that my certified typed letter with a copy of my social security card and drivers licence, notorized by XXXX XXXX XXXX was not legible. I'm at my end. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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: Investigation took more than 30 days

Complaint:
On or about XX/XX/2021 I mailed a demand letter to Equifax, regarding alleged accounts on my credit reports of which I am not familiar because the account numbers states. 
XXXX, XXXX XXXX, XXXX XXXX I notified Equifax in the letter that pursuant to the FCRA 623 of their responsibilities and pursuant to FCRA 611 ( 15 U.S.C. 1681I ) Procedure In Case Of Disputed Accuracy they are to investigate and delete any inaccurate information on my credit report. As of XX/XX/2021, I have not received any response regarding my demand letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Law Offices Howard Lee Schiff, P.C.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from an attorney office attempting to collect a debt, dated XX/XX/18 from Howard Lee Schiff, PC, who is collecting on behalf of XXXX XXXX XXXX, who is collecting on behalf of XXXX XXXXXXXX XXXX. First I never received any correspondence from XXXX. Second the FDCPA ( 15 U.S.C 1692c ( a ) states " Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- I have not given either company the above written consent to contact me in connection with the collection of any debt alleged. I have no known relationship with the companies XXXX XXXX XXXX, and Howard Lee Schiff, PC and am unaware of how they have obtained my personal identifying information with my knowledge and/or consent. I have sent a letter disputing the validity of this alleged debt which Howard Lee Schiff, PC has received via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
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:
Despite my three written request, the unproven noncompliant account listed as XXXX XXXX XXXX still remains on my credit report with Experian in violation of the Federal Law.  This account has been deleted by XXXX and XXXX. In the result of your re-investigations, you stated in writing that you " verified '' that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? Due to their continued willful disregard of the law. I intend to pursue litigation in accordance with the FCRA to seek relief and recover monetary damages that I may be entitled to under Section 616 and Section 617 If the noncompliant, unproven, unverified account is not deleted within 10days. I have filed a complaint with the Attorney generals office. A copy of this complaint and all three certified letters that I have sent your company will be submitted as evidence in the pending litigation provided that you fail to comply with this offer for settlement. The law is very clear as to the civil liability and the rememdy available to me Section 616 and 617 ) if you fail to comply with the Federal Law. please deleted this account Immediately!

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 2019-03-23
Company: ZARVAD III S.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Last month in XXXX, I was searching for an installment payday loan. I was in contact with a company in XXXX, Ca., I needed to submit additional information, but I was at work and unable to send them the information. The next day, I discovered the money I was asking for in my bank account. I presumed it came from the company in XXXX, it was not. It was from a different company. They just put the {$1000.00} into my account. With that said, I did need the money, so I went on about my way. A month later, I decided to pay off the loan, only to discover I was RENTING the {$1000.00} for {$300.00} every two weeks. When I called the company and told them my story, they did not believe me. I do not remember agreeing to this account or the way payment was to be collected. I spoke to a man and he said, " You did not read your contract ''. When I continued to come to an agreement, he said I was threatening him, so I disconnected the call. I was told by a friend that their loaning process is illegal. I feel I was trapped because no one spoke to me over the phone nor did they have me sign a contract. Please assist me in this matter. This " company '' has already received {$600.00} on a {$1000.00} loan. I also believe this company got my information online and just acted. The company in XXXX actually had a live person to speak, whom I thought this loan came from. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: VA
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 recently mailed a letter to Credit Bureaus for disputing items appearing on my credit report, which they maintain. The response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. 
1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX  OF XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor 10 XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have a mortgage since 2010 with XXXX then XXXX and Experian do not have it.. But XXXX  and XXXX have it .... I call XXXX and they said they send the report every mouth.. I call Experian and they said I have to call XXXX.. Im getting the run around from both ... Can you help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit 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 received a letter saying that I had an unpaid balance on my Belk Credit Card. I had not received any bills for this account, so I called the number. I was answered by an XXXX call center who told me that I had to write a letter to the Belk Credit to request replacement statements. I did so twice. No response. I have now received a letter stating that my debt has been sold to a debt collection service. 

I would like a copy of the bill ( s ). If these are charges made by me, I will pay immediately. I want the adverse credit report removed from my record.

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 2019-04-16
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is serviced by XXXX XXXX XXXX  - Loancare. I purchased my house in XXXX, have never missed a payment, and have put significant investment into the home, and there has been an increase in overall value in the surrounding area. When I took out the mortgage we only put 10 % down and then invested cash into the home to improve it, so we are paying PMI on our loan. After significant improvements, and the increase in value of comps sold in our area, we requested to have PMI removed in XX/XX/XXXX. After numerous delays and after me calling into their customer service over 10 times, I finally had an appraisal set up through the Mortgage company 's required appraisal company, that we had to pay for personally. 

The appraisal finally took place in XXXX and came in much lower than anticipated, which was obviously a shock to us. Since the number was so much lower than any other comps in our area, I paid another appraisal company to review the appraisal and conduct a new appraisal on the property. That appraisal came back much higher and where we were expecting the first appraisal to be, and the company highlighted numerous errors that submitted on the previous appraisal. 

After submitting the new appraisal to the mortgage company, along with a letter outlining the errors in the appraisal they provided, they are simply not responding and not moving forward with removing the PMI that I have requested in writing no less than 5 occasions over the past 2 months. This leads me to believe they are paying an 'exclusive ' appraisal company to value their properties much lower than their actual values in order to keep forcing their customers to pay PMI, even with loan to value ratios that are above the HPA required 80 %. This is fraud on a widespread level, I'm submitting this complaint to the CFPB in order to demand action be taken, however my next step will be small claims court.

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 2021-05-05
Company: Experian Information Solutions 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:
I have a fraudulent loan on my credit and have contacted both XXXX XXXX and Experian about this issue and Experian has allowed it to stay on my credit, the fraudulent loan is under loan by phone which I have not done.

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 2018-02-12
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. It has been well over a year XXXX and there is still an inaccurate account by the name of XXXX XXXX XXXX along with several errored inquiries looming and are in the attachments section. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: EQUIFAX, 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:
my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX social XXXX date of birth XX/XX/1959. equifax confirmation XXXX my complaint is that equifax office of consumer affairs that handles my credit file, i told them several times that the XXXX XXXX XXXX XXXX account XXXX is not mine it a fraud account with balance of XXXX that account supposed to been remove due to fraud. and also all the hard credit inquires that were not mine do to fraud. please talk to equifax to have the XXXX account XXXX remove from my credit file alng with all hard inquires do to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
While in the hospital from XX/XX/XXXX till XX/XX/XXXX JPMorgan Chase Bank, N.A. charged my business account Fees and Overdraft Fee in the amount totaling {$300.00} Once the account was funded again ( upon my release from hospital - while in quarantine after contracting XXXX ) I was told that the account was closed and then the bank would keep the amount due and refund me the difference. 
One and one half month later the difference was received only to notice that over the period mentioned above Chase Bank kept charging Fees and Overdraft Fees in violation of the NYS executive order XXXX. 
I made several attempt to be refunded either at the branch or over the phone but got systematically denied. 
Today I tried one more time by calling customer service and speaking with Tay ( ID XXXX ) which after asking for my FULL S/S # ( never happened before ) she denied the refund one more time. Upon my insistence, I spoke with an Account Supervisor, XXXX XXXX ID XXXX XXXX which one more time said that the bank would not refund any money, and denied to be aware of any executive order or laws to waive fees during the state of emergency due to XXXX. 
I gave them ample opportunity to make it right but they categorically deny that they should comply with any laws or executive orders. 
I told them that I will follow up with a formal complaint that might impose them additional fines but the guy could not care less. 
I have been severely and negatively impacted by the XXXX global pandemic and I am asking for reliefs for my ( one person ) interior design business. 
Attached are my bank statements for the above mentioned period, circled are the fees charged totaling {$300.00} Kindly do whatever possible to recoup the much needed {$300.00} Many thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: NH
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 been trying for over 3 years to get Equifax, XXXX XXXX XXXX  to remove a collection account that has been closed they refuse to close it and continue to leave them on my report everytime I disputed an item after the dispute is done my score goes down as much as XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Commonwealth Financial Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An old debt from XXXX XXXX in XX/XX/2014 was already paid before it reached collections. However, Common Wealth Financial purchased the debt from XXXX XXXX XXXX, who was also repeatedly told not to contact or sell my personal information with anyone They were also told to cease and desist all contact with me in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Specialized Loan Servicing Holdings LLC
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:
As a follow-up to the complaint I filed against Specialized Loan Servicing LLC ( SLS ) on XX/XX/2019 regarding the fraud they committed with the application of my monthly mortgage payment ( please refer to complaint number # XXXX ), SLS has once again committed fraud, this time by falsely certifying to XXXX  that the information reported to them was correct when I disputed their false reporting that my mortgage payment was more than 30 days past due. 

I can't stress enough how CFPB MUST take action against this criminal company!! The fraud they commit is blatant and outrageous!! Their actions are EXACTLY like the criminals who ran XXXX XXXX. I'm sure a similar {$2.00} XXXX fine  assessed against SLS would finally get them to start acting like a proper mortgage servicing company!

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 2022-08-08
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I paid off my mortgage with Newrez since XX/XX/2022. 
I have since made two requests without any answer for Newrez to refund me excess amount ( more than {$6000.00} ) that was held in escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation