BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-01
Company: Colony Brands, Inc.
State: NY
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:
I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX police report attach.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-23
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted in XX/XX/2019 by The Professional Bureau of Collections of a Maryland via phone. I had never heard of this company before! I was informed that my student loans were in collections and that I now owed roughly {$150000.00} to their company. A man informed me that {$300.00} a month isnt going to cut it. So I offered to pay {$250.00} in bi weekly payments- a stretch on my finances already. He agreed to help me set up this plan and I provided my information. I asked for a written explanation of my loan amount and he stated that it would be mailed to me. I never received anything from this company. I have yet to receive any written communication from this company. I had to XXXX it to find that it was even a legit collections company. I am beyond mortified that the US Dept of Education would set me up with such a shady company. The first two payments were made in XXXX. I figured I was making my auto payments. However, just right before XXXX, I was contacted AT MY JOB by this collections company. I had never given them permission to contact me at my employment. As the phone was answered by a colleague, it was disclosed that a debt collector was looking for me. I was horrified, especially because I figured that we had handled this privately. I found out that this company has been contacting my previous employers phone number. Please note : I have been faithfully paying my other student loans and I have been enrolled in auto payments for years. Email me, send me a letter, but calling my job is harassment. I set up a auto payment with XXXX for {$500.00}. This time he refused to do bi weekly payments and was, once again, supposed to send me a written statement. I had to call them in XXXX to ask for the amount to be lowered to {$300.00}. I was informed this month that, no matter what, any tax refund that I get back will be theres to take ... even though I am making auto payments. I do not trust this company, as I have been frequently lied to about the amount of my debt and about my repayment options. It feels predatory and abusive. I am still waiting for a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a continuation of the prior complaint # XXXX XXXX regarding loan number XXXX. Over the last 6 months XXXX XXXX, my point of contact at Shellpoint Mortgage Servicing Company, and I had been working on a plan to come out of forebearance, through a loan modification and moving some of the payments if not all, to the back of the existing loan. During this period, I had offered to pay the monthly payment of {$5800.00} which includes principal of {$1100.00}, interest of {$2200.00}, escrow of taxes and insurance of {$2400.00}. XXXX told me repeatedly not to make the monthly payment until Shellpoint had corrected the total balance outstanding minus the escrow amounts I had already paid. During this time XXXX had submitted my request to have 6 months of the the monthly payments placed at the backend of the original loan. We spoke at least twice per month and he insisted not to permit me to make monthly payments to reduce the outstanding balance. I was looking at other options including a reverse mortgage. I was informed from the reverse mortgage companies that my credit score had dropped to XXXX from well over 700 due to Shellpoint submitting a delinquence notice to the credit companies. Then I received a call from XXXX XXXX, who indicated that she was my new point of contact at Shellpoint and that the outstanding balance had increased to {$70000.00} and they needed payment to prevent Shellpoint proceeding further with foreclosure of my property. Needless to say I am in shock. No one had indicated that foreclosure would occur during the period I was in good faith trying to work a plan to come out of forebearance and continue my monthly payments. It was my understanding that Shellpoint would not report me as late to the credit bureaus as long as I was trying to work out a plan with Shellpoint to resolve the forebearance resulting from Covid 19. XXXX from Shellpoint continued to indicate that my loan modification had been denied without explanation. I had received the paperwork for a loan modification from Shellpoint the week of XX/XX/XXXX, completed and returned the paperwork requested by Shellpoint on XX/XX/2022. My continuing issues with Shellpoint are 1 ) not giving me proper credit for the taxes and insurance I paid, 2 ) denying my loan modification during the phone conversation with XXXX Shellpoints customer service representative, 3 ) improperly reporting me as late on my payments when I was working on a solution with XXXX XXXX, 4 ) charging me late fees and attorney fees during the resolution workout period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXXXXXX 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 2020-02-29
Company: The CMI Group, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked for something that's bearing my signiture on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There remains a XXXX  account on my transunion credit report in which I have previously advised this is not my account and should be removed. I have never had an account with XXXX. This was opened fraudulently and has been a nightmare since it hit my credit. This needs to be taken care of.

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 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 review a copy of my credit report and I show account with XXXX/XXXX  account number XXXX is listing as non-verfied account. I have attempted on a number of times to have this account review with no luck. I have be violated per the FRCA and aslo FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-11-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out in XX/XX/2019. All rent was paid until XX/XX/2019. There should be no balance. I suffered a XXXX and they wouldn't let me move downstairs ( per doctor request ). So I had to move. All money was paid until XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXXXXXX 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 2021-11-12
Company: EQUIFAX, INC.
State: GA
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:
After i disputed information that was on my credit report, The credit bureaus h ave verified information on my credit report that by law only i can verify. I do not not verify any accounts that i have disputed with the credit bureaus. They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: OneMain Finance Corporation
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a dispute in regards to an account I believe was opened fraudulently on XXXX XXXX through the online dispute center trans union offers they still have not got back to me and it says dispute under investigation still I want this item removed they are not abiding by there own policy not only thats the law its been past 30days

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 2020-01-23
Company: ALLY FINANCIAL INC.
State: PA
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 an Auto Account with Ally Bank. I, XXXX XXXX co-signed with my husband XXXX XXXX for a XXXX XXXX XXXX. I received a notification back in summer of XXXX that Ally Bank claimed that I missed XXXX 's payment. I did not miss this payment. I called 3 different times and each Ally employee assured me it was a mistake and they do not see a missed payment on their end. Well it is still showing up on my credit report and on my husband 's credit report. I have disputed it myself online with the Credit Bureau 's and nothing! I have sent several dispute letters and still not updated. On different reports it will either show XXXX or XXXX as a missed payment between my credit report or my husband 's. Below is  my bank statement showing both XXXX and XXXX 's payments were made on time which is due on the XXXX each month.

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 2020-02-29
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a leading subprime auto lender, will pay {$11.00} XXXX to settle claims that it misled customers about the. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 
XXXX XXXX : XXXX XXXX credit card holders who had debts released in a Chapter XXXX bankruptcy, can get cash from a {$10.00} XXXX class action settlement. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: CADENCE BANCORPORATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX I deposit a check to pay my bills I had enough money to pay my bills But Cadence Bank held the check and caused over drafts on to of my bills all together that cost me about XXXX XXXX dollars that I needed I went to the bank to request that I be refunded my money that has not happened. Cadence is bad about not refunding your money back I have had several incident where money was taken out of my account and cost overdrafts and Cadence never refund even for reversals that not your fault I complained about the ATM machine shorted me XXXX and the bank never refunded me that either Cadence Bank is very bad by not giving you your money back. I have a fixed income and they could care less.

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 2022-01-05
Company: NBT BANCORP INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was a XXXX  independent consultant who purchased jewelry and accessories from XXXX  XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. This company advertised the jewelry as lead and nickel free. I have asked them to provide me with their test results proving that the jewelry is lead and nickel free and they have refused. I asked them to refund my money and they have refused. The jewelry has since been tested by a 3rd party accredited lab and it shows very high levels of lead and nickel which is not compliant with California Prop 65 guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: ZWICKER & ASSOCIATES
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On Wednesday XX/XX/XXXX, I received a letter from XXXX XXXX, a firm located in XXXX, FL. I initially thought it was a scam since I do not live, work, or have any contacts/close connections in the state of Florida. XXXX XXXX was informing me that I was being sued in the state of Florida and upon doing some research, I was able to confirm that on XX/XX/XXXX XXXX XXXX from Zwicker & Associates PC had filed a lawsuit with the XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. Case # XXXX with judge XXXX XXXX, XXXX XXXX. This is a frivolous lawsuit as I do not live or work in the state of Florida. The CFPB should conduct a full investigation against Zwicker & Associates PC and assess fines for their unethical debt collection practices. The FDCPA is very specific in that a debt collector can only sue where the defendant currently resides. Under the Rules of Civil Procedure, a Plaintiff wishing to sue must do so in the proper jurisdiction and venue, or county and state court. This helps ensure that Defendants are physically and financially able to attend court hearings and that Plaintiffs can not forum shop or choose the state where the law most favors them and then file their lawsuit there. The proper place to sue is the county and state where the defendant lives. Not only do the Rules of Civil Procedure apply to creditors and debt collectors who are filing a lawsuit, but the Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) also require that lawsuits against debtors be filed in the county and state where the debtor lives. If XXXX XXXX Bank had a claim against me I should have been notified at my home address here in the state of New Jersey. I should have also been given the opportunity under FDCPA to have this debt validated/verified as I was a victim of fraud in XXXX. If XXXX XXXX who I dont know from a hole in the wall was able to notify me here in my home in NJ than so should XXXX XXXX Bank and Zwicker & Associates PC .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems was sent a Request for Validation, Not Verification letter certified mail on XX/XX/2020. It was being sent about erroneous reporting to the Credit Bureaus. Also all three Credit Bureaus were sent letters certified mail pursuant to the fair Debit Collections Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested. 

I asked to please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgement if applicable : Provide the Statue of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : National Credit Services has not responded in 30 days. They sent a letter on XX/XX/2020 for a 50 % off of the debt of {$640.00} of the {$1200.00} if I responded by XX/XX/2020. 

Equifax Credit Bureau has sent a letter asking to verify my identity. My letter was sent with two forms of ID. Drivers license and Social Security number. 
Experian Credit Bureau has it pending until XX/XX/2020 Transunion has not responded about the dispute as well. 
This has caused my credit score to decline tremendously and caused me not getting a major purchase and defamation to my character because of the reporting on public record or collection of debt. 

All three major bureau 's have played stall tactics and continue to report erroneous information. I have all information from and return receipts of my first letters sent to bureau 's and National Credit Systems. 

They are in violation of the Fair Credit Reporting Act. 
Violation of the Fair Debt Collection Practices Act. 
Defamation of Character Please help me to expedite the results of removing these erroneous items from my credit report.

Company response to consumer: Closed with explanation