BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-07
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I " inherited '' them as my servicer when they purchased the company that held my loan. Green tree and now ditech bought forced insurance on my property, at double the going rate. I have a Co-Op which means the building has its own insurance. After numerous complaints and hiring a attorney, ditech conceded that they made a mistake. Their lawyers admitted that they were wrong and ditech sent me a letter admitting their error. This is after months of them threatening to foreclose my home and ruining my credit rating. Then ditech sent me a bill for an escrow fund which I did n't understand but paid it for the amount of {$4000.00}. I then realized that they use this escrow account to PAY for the forced insurance which they ADMITTED it was incorrect. I telephoned them about this and after speaking with several people they stated that they will " look into it. '' And when you ask them, repeatedly, and nicely as a customer for them to fix their errors they continue to gameplay. Furthermore, they continue to not cashed my past mortgage payments then they add late fees or worse send a foreclosure letter. I 'm also attaching a letter emailed to them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I want XXXX XXXX and Equifax to fix this problem and restore this good standing credit line to my XXXX Equifax only XXXX credit file. I have made all my payments on time and all they would need to do is CALL EQUIFAX and figure out the problem. I have since been denied a credit limit increase on this XXXX  XXXX account and feel that the denial was a direct result of the account missing from my Equifax credit file, XXXX Attachment 1, XXXX XXXX letter, XX/XX/XXXX XXXX. 

On XX/XX/XXXX while monitoring my Equifax credit report, it was reported that Equifax added a remark to the XXXX XXXX tradeline. The remark said, " Consumer disputes, reinvestigation in progress, '' ( Attachment 2, Equifax Credit report, XX/XX/XXXX ). This account was opened on XX/XX/XXXX and I have never disputed the account, ( Attachment XXXX, XXXX XXXX credit card statement, XX/XX/XXXX ). 

On XX/XX/XXXX, while monitoring my Equifax credit report, the XXXX XXXX tradeline was completely removed from my Equifax credit report. I contacted XXXX XXXX and they had no knowledge of the account being removed and they were still reporting it to all three credit reporting companies. I told them that it was only Equifax that removed the tradeline. They told me to contact Equifax. 

On XX/XX/XXXX I sent a letter to Equifax asking them to investigate the account and explain the reason they had for removing the account from my Equifax credit file. In my letter I also told them I had never disputed this account. The only response I received from Equifax was Dispute Results. The results state that XXXX  XXXX is NOT being reported to my Equifax credit file, XXXX Attachment 4, Equifax Results for Dispute # XXXX, XX/XX/XXXX XXXX. 

In XXXX, XXXX, I forwarded the Equifax dispute results to XXXX XXXX along with a letter asking them to fix this problem and restore the tradeline to my Equifax credit report. They replied with a letter that confirmed the account is being reported to my Equifax credit file, ( Attachment 5, XXXX XXXX letter, XX/XX/XXXX ). 

XXXX XXXX and Equifax are giving me the run around. Please fix this problem and restore this tradeline to my XXXX Equifax only XXXX credit file. I have made all my payments on time. XXXX XXXX PLEASE CALL EQUIFAX and fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: MI
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 contacted XXXX  several times explaining to you that I am a victim of identity theft but you have not done anything to get this Fraud information removed from my credit report. Again I am submitting my request along with an identity theft report including the dates someone else used my information trying to open accounts in my name. I did not do this & I do not know who did this! I have never got anything from these places at all. Please delete these fraud inquires from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
identify 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 explanation
Consumer complaint received 2022-01-18
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is with NewRez LLC handled by Shellpoint Mortgage Servicing LLC. and I was in COVID19 Forbearance plan. However, the process of getting out of the forbearance and starting paying my new modified loan was all but a disaster. Starting XX/XX/2021 I was in talk/email with a Shellpoint contact person and when it comes time for me to sign documents, they keep sending the wrong/misspelled documents over and over again. When all that happened they didn't push my payment starting date, which was scheduled to start in XX/XX/2021. And when my mortgage payment due date passed they reported it to credit agencies as I missed all payments during the COVID19 Forbearance plan, this is despite my payment of a newly calculated modified monthly payment on XX/XX/XXXX. Now, all the promises that the government gave to a homeowner like me have become lies. my XXXX XXXX got to the lowest point itever been and the psychological impact was putting a toll on me. 

I did everything that NewRez/Shellpoint Mortgage Servicing LLC asked me to do. I tried to avoid getting into this kind of situation, speeding hours and hours on the phone just to get one representative to give you a false assurance that everything will be fine. Shellpoint Mortgage Servicing LLC messed up my document. They sent wrong papers for me to sign four times. With this out of my control situation I got a XXXX XXXX hit which is almost hard to overcome. 

Please, please... I need someone to help me on what to do in this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: NY
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 never gave Experian consent to report anything on my consumer report. They have no permissible purpose by law to contact third parties with my private or personal information. This offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly used My info without lawful authority, a means of identification of me, which is a felony punishable by Law. They also ignore my disputes as you can see in my prior CFPB reports. They always respond with a lame response of " I need to verify my info ''. This is nonsense, Ive sent my Drivers License, Utility Bill, and Social Security Card.

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 2019-09-20
Company: Financial Business and Consumer Solutions.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019, I received a phone call from a number registering same area code and town that I was in. The caller stated " was an attempt to collect a debt '' and then asked me to verify my name and address. I asked them to identify themselves, they said FBCS, and who they were calling on behalf of, which they refused to say and insisted I provide them my address first. I asked again who they were calling on behalf off and the caller told me they wouldn't answer anymore questions until I identified myself. At this point they hung up on me. I received another call today XXXX XXXX. The caller again said they represented XXXX and wanted me to identify myself. I didn't give out any information and instead asked for a business address and phone number. The caller became defense and refused saying she didn't have to provide any of that information. At no point in either call did the callers say who they were calling on behalf of UNTIL I asked them to identify themselves. Both calls came from a local number. And both callers became defensive when I questioned the legitimacy of their call, refusing to provide additional business information beyond the name FBCS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am not able to retrieve a credit report by using my tax identification. I do not have a social security number. I contacted all three credit bureaus [ Transunion, XXXX, and XXXX ]. Customer agents could not provide me with a credit report via mail.

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 2021-03-25
Company: EQUIFAX, INC.
State: IN
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:
Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Recently ( XX/XX/XXXX ) I applied for a home mortgage loan with XXXX XXXX. In the process I was informed that I have a collection balance of amount {$140.00} reported on my credit. Firstly I am not sure where it came from and for the past three months I was working with my mortgage officer to figure out what it is and how to resolve it. I had a lot of hospital bills and I used to clear it off as and when required. I remember paying all of my bills around XX/XX/XXXX. Not sure about this debt and I need more information on the same. I tried to contact the collections company several times but no luck. I sent them mails twice ( on XX/XX/XXXX - First class mail and on XX/XX/XXXX- Priority mail the second time ). There is no response yet. I feel that I have been patient enough in waiting for a response after multiple attempts. I am helpless now and not sure what to do. My credit score is down for no reason and I am in a situation to pay more monthly mortgage which is totally unfair. From what I have researched so far, to the best of my knowledge I think this is a UDAAP violation. Looking for support.

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 2017-07-28
Company: Equitable Acceptance Corp
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I signed a digital contract with Equitable Acceptance Corporation ( also known as XXXX XXXX XXXX XXXX ) to pay them a specified amount ( $ XXXX/ month ) for a total financed amount of {$1300.00} over the course of 3 years for services rendered by The Student Loan Relief Department for student loan debt reconsolidation. After calling multiple numbers provided for different departments for both The Student Loan Relief Department and Equitable Acceptance Corporation ( also known as XXXX XXXX XXXX XXXX ) since XX/XX/XXXX I have not been able to reach anyone. Student Loan Relief Department : XXXX XXXX, Enrollment Advisor, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX Department : XXXX XXXX, Quality Assurance Manager, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, Client Services, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, Enrollment Account Specialist, ( XXXX ) XXXX, XXXXXXXXXXXX XXXX of the numbers that I was provided for The Student Loan Relief Department has since been changed to that of a department store. When I call the number on their website it will ring and then the call is ended. In XX/XX/XXXX I was alerted by my credit monitoring agency that my credit score had dropped a significant amount because I was not notified that my required repayment period had begun 90 days prior and I was never notified via telephone, e-mail or US mail, despite efforts to contact these companies prior to my credit score dropping. I contacted my original loan servicer, Fed Loan Servicing, at which time they notified me that Student Loan Relief Department changed all of my passwords and usernames for my profile. I did not give them permission to access, nor changed my account with my original loan servicer. I was finally able to get into contact with XXXX XXXX ( XXXX ) at Equitable Acceptance Corporation ( also known as XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I requested that my account be cancelled because the promised services were not rendered ( student loan debt consolidation & public service loan forgiveness document preparation ). At this time I was told that a manager would contact me. On XX/XX/XXXX I called XXXX XXXX direct line and I have not been able to contact him since. To date, I have paid this company Equitable Acceptance Corporation ( also known as XXXX XXXX XXXX XXXX ) {$190.00} for services that they are not providing. I have since removed my bank account from their website so that they can not debit any money. I know that this will eventually end in my credit score being affected yet again because of missed payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
In XX/XX/XXXX We called Capital One concerning problems about getting on to our account at that time they did not tell us that there was fraudulent activity on the cc account at that time, even though they knew of it. Later in XX/XX/XXXX we called again asking what was the problem. Then in XX/XX/XXXX of XXXX we were then told of all the fraudulent activity going on with the account and that they would send us another credit card and close the old one out and told us that they would take off the fraudulent charges. On XX/XX/XXXX we called capital one again this being the 6th time because we were kept on hold several times for over 30 minutes, that my birthdate did not match what I told them. I then proceeded to tell them it was internal fraud. They also put all the charges BACK on my CC because they deemed it not fraudulent charges. I have since called them 6 more times, only to be told that my birthdate doesn't match and there is a problem with my account ... ... .. I have sent 2 letters asking them to resolve this issue, since they had not sent the new CC for this account I have no way of discussing this issue without giving them the old account #. Almost all of their customer service reps. are unwilling to help for whatever reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Monterey Financial Services LLC
State: MA
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:
More than 2 years ago went ahead and bought a {$900.00} dog from a local shop. They had me sign up for a {$4000.00} XXXX loan for the dog. Due to financial hardship and having XXXX children I missed two payments. My account was sent to collections. I had a lack on understanding of credit and collections. The collectors called at odd hours and dozens of times per day. Leaving voicemails saying it will affect my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: SELECT PORTFOLIO SERVICING, 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: Old information reappears or never goes away

Complaint:
House was sold in XXXX of XXXX. Date of last payment was XXXX of XXXX. 

Credit reports first showed last payment of XX/XX/XXXX. 

After dispute, date was changed to XX/XX/XXXX - this date is still wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: CITIBANK, N.A.
State: MI
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 had a Sears Credit card for over 2 years. On XX/XX/XXXX Sears ( Citibank ) reported me 30 days late to all 3 credit bureaus. I have not missed a single payment and recently ( XX/XX/XXXX ) sent dispute letters to all credit bureaus challenging the 30 day late payment. The Credit bureaus did not update the late payment from my report instead they updated my Sears account as closed and recommended that I reach out to sears for further disputing. I have not received any proof that I was 30 days late. I subsequently sent a " Request a goodwill removal of a negative on this account '' Action to SEARS CARD SERVICES - BILLING on XX/XX/XXXX. I received the following attached document from Sears which was not helpful. Furthermore, Sears closed my credit account without my approval and knowledge. I had a XXXX credit balance and by closing my credit card I lost all the benefits to my credit history and available credit which also negatively affected my credit report.

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 2022-01-18
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT.

I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Experian Information Solutions Inc.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE REMOVE INACCURATE UNAUTHORIZED INQUIRIES THAT IS REPORTING ON MY CREDIT.

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