BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: OH
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:
I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and Experian with no resolution because each organization states it is not their responsibility to report my payment for their own specific reasons stated below : XXXX states that the amount was charged off and the account was closed/sold to XXXX so they no longer report any updates. 
XXXX states that although I paid them for this debt, they can not report the payment under XXXX as they are a separate company. 
Experian states that their function is only to gather information from the original creditor ( XXXX ) and they have to go by what they say, which is no updates available. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX, the collection agency I paid in full is XXXX XXXX. I have the letter showing that I satisfied this debt and it is attached to this complaint.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: MI
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:
someone attempter to apply for a credit card in my name... .Spoke to XXXX XXXX and they put a fraud alert but it is showing as an inquiry and that will harm 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
Consumer complaint received 2021-02-25
Company: National Credit Adjusters, 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: Information belongs to someone else

Complaint:
I am writing to you because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in the report prevents me from achieving the desired results. 
I am kindly requesting your agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me. 

NATIONAL CREDIT ADJUSTERS Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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 belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I sent multiple letters in which most was notarize. I was ignored and bluntly disrespected as a consumer. I have been inquiring about this information over and over for months and months this is hindering me from buying a property. The credit bureaus don't care. I made multiple phone calls trying to get someone to give me a clear understanding but I eventually will get hung up on. It's very disturbing trying to get things done when these companies are acting like this. This is a on going process and I NEED 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 2019-08-14
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
we behind payments because of utilities are up and unexpected house repairs we try to reach out and seek loan modification but unfortunately they will keep saying that the loan modification papers are incomplete we keep updated our papers but still same things happens keep sending we reach out for mediation and we have hearing with with the meditation judge and XXXX   XXXX XXXX which represent PHH mortgage which advice us to send complete package again to hold the foreclosure date they acknowledge or receive the papers and under review but the next day XX/XX/2019 i receive email again that they will not review our modification papers because of the of insufficient time which is unfair to us because we do our best to forward the loan modification papers on time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I applied for an advanced checking account at HSBC US for  {$350.00} bonus on XX/XX/2019. After approval, they told me by email to set up a device for more security. I did that on my old phone. I bought a new phone on XX/XX/XXXX and tried to migrate from the old phone, but there is something wrong with the bank 's app ( I need to enter some number from the old device to the new device, but after I did that the app on the new device had no response ). I tried several times and on XX/XX/XXXX they told me to call them since they thought there was fraudulent behavior on my account. I did that, and they told me my phone number is not on their file so they can't identify my identity through text so I need to go to an HSBC branch ( asked them several times if there is any other approaches but none ). They sent me about 10 security codes while I was applying for the card, so I don't really know what they mean by my phone number is not on file. I live in XXXX and the closest HSBC bank is in Washington. I really regret my decision for opening an account at HSBXXXX for the {$350.00} ( I wired {$10000.00} to the banking account for the bonus ) and hope that they can give me the access of the account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
State: CA
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:
I have an inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This ran without my consent and I don't even know why my credit was run by XXXX XXXX XXXX. I tried calling on XX/XX/XXXX and continuously got transferred around with no solution. 

I have a XXXX Inquiry from XX/XX/XXXX on my report and this company is a mortgage company. I inquired about their services and next thing you know I just so happen to be looking over my report and a credit check was ran without consent. The information I gave to them I thought was going to be used to keep my information on file, not a credit check. I reached out to them on XX/XX/XXXX and they said they don't even have my name in any of their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original creditor is US Bank. 
Current collection Agency is XXXX XXXX XXXX. 
Acct number is XXXX This has been going on for about 10 years. I owed US Bank a little over $ 1k. I settled that debt with the original Creditor 10 years ago for a fraction of the cost. However, every year US Bank uses a different creditor to collect a balance. I have submitted my payoff letter to each of those creditors to clear the debt off my report. I thought it was over, but I just received another letter today from XXXX XXXX XXXX in NY about the same account. This is definitely becoming frustrating. Please 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 2018-09-23
Company: Experian Information Solutions Inc.
State: MA
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:
Placed a credit freeze on experian account to prevent credit card inquires and new accounts, but experian account is still accepting open new accounts and inquires without my approval. Called experian but they leave no option to talk to a representave about the issue..

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 2017-12-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
( 1 ) I was making my payments ... ON TIME & just before I was to leave for the LAST family reunion I would 've ever had, & without any explanation, reasonable or otherwise, they Decreased my limit. Every time I made payments thereafter, they continued to decrease my limit & I 've been unable to use the card ever since.They continue to do so & while they 're at it, they 're attaching Over the Limit fees. How can I be expected to remain under the limit if they keep lowering it? I feel as though I 'm between a rock & a hard place because I sacrifice to make more than the required payment only for them to suck it up & leave me with nothing to show for it.

( 2 ) Some kind of way, Someone, REPORTED THE CARD LOST OR STOLEN, & it WAS N'T ME. Obviously & Again, my plans were altered due to NO fault of my own. They had NO explanation & to add injury to insult, they offered me a whole {$25.00} in recompense.

( 3 ) On a RECORDED line, I reported the loss of a rental car & they told me that the co would NOT be able to come right back & charge the card anymore. Well they did ... I had to talk to several agents & they ALL told me the same thing. They even issued a new card & STILL allowed the agency to charge that one ... Do n't recorded " promises '' mean anything? Every time I turn around, there the charge is AGAIN & interest on top of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have written & mailed and provided my approval of state funding to help with rents and they still are calling 24/7. 
They wont make a offer to lower each balance on XXXX {$380.00} offered {$120.00} XXXX {$540.00} offered {$200.00} I have been making XXXX - XXXX payments once or twice a month, since I found employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I did not consent to, authorize nor benefit from any of the following inquiries. 
XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/2021

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 2020-05-15
Company: EQUIFAX, INC.
State: MS
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
So that was XXXX Escrow Shortage Issue ... ... NOW for XXXX Escrow Shortage Statement " Please pay this amount in order to keep your Mortgage Payment amount at the current level ( which I had disputed ; see below ) they sent coupon,,,,,, I paid ... ... ... ... .they raised Mortgage Payment Amount AGAIN! 

Shellpoint Mortgage Servicing Loan # XXXX XXXX received Annual Escrow Assessment Statement that indicated shortage of { {$290.00} }, that statement included a coupon specifically to pay this shortage in full in order to keep my monthly payment at { {$540.00} }. I used that coupon and remitted { {$300.00} } on XXXX. They acknowledge receipt on XXXX, but billed { {$560.00} } for XXXX I have asked that that fee be removed several time but they keep saying they are " looking into this complicated matter '' XXXX correspondence saying " your current payment amount is { {$540.00} } '' XXXX correspondence now says although they credited my Escrow Shortage payment XXXX they " can take up to 2 billing cycles to " re-analyse '' and in the meantime they expect payment of { {$560.00} }! Nowhere on the original communication does it indicate that paying the Escrow Shortage ( clearly to maintain lower mortgage amount ) with their coupon, by their imposed due date, is giving them funds to hold for 2 billing cycles to " re-analyse ''. Allowing them to charge unearned " Fees/Charges '' Please see attached Company information Date complaint sent to company XX/XX/XXXX Company name Shellpoint Partners , LLC Timely response? 
Yes Company response to consumer Closed with explanation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Today, XX/XX/20 Paypal mishandled my consumer data, resulting in a restriction of my account access, falsely stated unauthorized activity. The company denied me the right to close claims as I received refunds, in a fraudulent attempt to prevent me from removing debit & credit cards, so I can close my account with this company, that demonstrated both incompetency & fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
i had a bank account with bbva compass in XXXX texas i had cashed a check not knowing it was bad so when i filed my income tax i put that bank account routing adn account number so i can pay it back note i only owed {$800.00} the depoist was for {$1900.00} well since that account is closed they just got what i owed them and said they will send a check for remaing balance now which is owed to me in check form i call the bbva corp office and recovery no one can give me an answer or anything keep putting me on hold then hangs up i am at lost for words dont know where to turn to or ask for help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The following account was paid on time XXXX XXXX XXXX. Please update this account to paid as agreed.

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 2020-09-26
Company: Allied Servicing Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Allied Servicing Corporation serviced a mortgage loan for my lending company, XXXX XXXX. This loan was paid off by my borrower with payoff funds received by Allied on XXXX XXXX. I requested by email the forwarding of the payoff funds and original loan documents from Allied on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ; and by phone calls on XXXX XXXX and XXXX XXXX ; and by formal letter XXXX XXXX. I received no responses from Allied. After being forced to retain a lawyer and threaten a lawsuit, Allied finally forwarded the payoff funds on XXXX XXXX. However, despite my last email request on XXXX XXXX, I have yet to receive the return of the original mortgage loan documents required to close out this mortgage loan. 

Your assistance is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: WA
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: Problem getting your free annual credit report

Complaint:
I mailed in a XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXRequest Form to all 3 credit bureaus but received no response. I set up an account online with XX/XX/XXXX and made 4 attempts to get a free credit report but they insist on charging me ; and their phone is automated with no helpful option that goes back to where it was before. I tried to get a free credit report from all 3 credit reporting agencies online but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Student loan debt was paid in full over two years ago and states paid off on credit reports. I do not owe this company for a student loan that has been paid off in full. False representation and fraudly trying to collect money. I contacted company and they state debt still owed but that in incorrect.

Company response to consumer: Closed with explanation