BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-25
Company: Experian Information Solutions Inc.
State: TN
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 HAVE CONTACTED XXXX XXXX SEVERAL TIMES ABOUT THEM REPORTING ACCTS THAT ARE PAID OFF, THEY ARE REPORTING THEM AS A BANKRUPTCY AND UNDER WRONG INFO. THEY EVEN SENT ME PROOF SHOWING THESE XXXX ACCTS ARE PAID IN FULL BUT THEY KEEP REPORTING INACCURATE. 
I WILL SUBMIT INFO SHOWING PAID FOR BOTH ACCTS. ALL INFO ON THESE TWO ACCTS ARE INACCURATE..

ACCTS INFORMATION THAT IS REPORTING FALSE : XXXX. XXXXXXXX XXXX XXXX ACCT # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX ACCT # XXXX THEY ARE REPORTING FALSE TO BOTH XXXX   REPORT AND EXPERIAN..

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 2020-05-11
Company: Phoenix Financial Services LLC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a negative collection notice on my credit report from Phoenix Financial Services attempting to collect a debt for XXXX XXXX XXXX XXXX for a delinquency on XX/XX/2018. I researched in my calendar for any medical appointments for XX/XX/2018. I did not have any medical appointments during that time period. I am a retired military XXXX and I am covered by XXXX insurance. I would not have a medical bill. Phoenix Financial Services is a company that is known for scamming people with be guilty of all known scams. I filed a dispute through the credit agencies and they have sided with Phoenix Financial Services, even though, PFS, have no documentation to back the claim. At least is wasn't presented in the dispute. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX XXXX pulled an authorized hard inquiry from my XXXX and XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filled an application for a XXXX XXXX refinance on XX/XX/2020 and the company has been going out of its way to push me into a regular VA loan by placing extraordinary delays, costs, and requirements on the low documentation loan. I have also been subjected to repeated delays whereas my information is regularly submitted for the wrong amount or wrong loan product. Lastly, the company is attempting to re run my credit report after already charging me for a credit report and providing a copy of that report from XX/XX/2020. The lender is stating that the wrong social security number was entered into the system and another credit report needs to be run when that is not correct. 

A XXXX XXXX  IRRL does not require a credit report whatsoever and the fees should be less due to the lower processing. This lender is doing whatever it can, attempting to charge premium fees and costs for less favorable rates while the market rates continue to decline to discourage my VA IRRL application. for example, a rate quote of 4 % with nearly {$7000.00} in closing costs is both higher than my current rate and not allowable whereas an IRRL requires a rate reduction of at least .5 % as well and costs that do not exceed 36 months recoupment period. I have been quoted less favorable rates and fees of {$6000.00} - {$11000.00} which are significantly above the allowed limits and current market competition with suggestions to steer me into a full VA loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a 30-day notice of the debt by ProCom services about a year after this debt was supposedly to have occurred. As I was completely unaware of any debt to the company they were representing, I asked for debt verification, which was never provided. Instead, the account was reported to the 3 Credit Bureaus without any attempt to resolve the discrepancy.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Exeter Finance Corp.
State: TX
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:
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX loans Dates, amounts, and actions that were taken by you or the company are attached in the link below I would like to resolve this matter by the creditor having to cease and desist any further collection of any alleged debts they claim I owe. According to the Fair debt collection practice act and section 609 law, they don't have the right to collect the debt without providing me with my original instrument of INDEBTEDNESS. Therefore all those items in dispute must cease and desist immediately! 


Also I expect the credit bureaus to remove those items from my credit report immediately, or I would like to proceed with a litigation process immediately against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a call from XXXX from XXXX XXXX stating they were from Carrington Mortgage who handles my current mortgage. They stated that I was turned over to legal for unpaid escrows and I will lose my home if {$1000.00} was not paid directly to them by XX/XX/19. 
I called Carrington themselves and verified that this was not factual and turn in the information to them.

Carrington is researching at this time as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Shellpoint Partners, 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: Account information incorrect

Complaint:
I had a mortgage payment of {$1600.00} on XX/XX/19. I talked to my single point of contact, XXXX XXXX, and told her we were short but could make a partial payment and would make up the rest when we could. We went ahead and made a payment of {$1200.00}. We also later made a payment of {$75.00}. 

Going forward I went ahead and continued making payments for the loan due XX/XX/19, XX/XX/19 etc. It turns out that Shellpoint took the money I paid for XXXX and instead of applying it to the loan they posted it to an unapplied account. As I continued to make payments every month they would apply to the previous month and report it as late. 

They continued to do this until the fall and then initiated foreclosure proceedings, over {$290.00}. When I received the foreclosure notice they said all I had to do was pay the {$290.00} and the account would be current, which I did. But they reported 9 late payments to the Credit Bureaus. Nine. This has destroyed my credit rating. 

I have tried to resolve this with Shellpoint and have this removed from my credit reports. They have refused. I said they should have just told me that all I had to do was pay the {$290.00} and it would be resolved. They said they sent me a letter in XXXX but I received no such letter. They said they called about it. I can tell you this. We have an invalid daughter at home. She did say that Shellpoint would call 8-9 times per day but never leave a nessage. I have confirmed this through phone records, that Shellpoint was calling a land line 8-9 times a day, which by the way is considered harassment in the state of California.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XXXX and XXXX of 2021, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
So I made 3 deposits of XXXX $ on the XXXX of XXXX to invest. I have gotten 3 confirmation emails saying that it's able to be withdrawn or sent but the available balance is XXXX XXXX The funds should be cleared today as it have said it should have been. The money was taken out of the bank account and everything. I'm talking to the customer service and within the last 24 hours they havent responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please remove the following Telephone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XX/XX/XXXX at XXXX EST I received a verification on two accounts from Experian r that contained serious fraud. 

1. Experian falsely stated that a record had been verified when they performed NO investigation and the account was never verified. 

2. Further, as noted in my first complaint Experian failed to provide proof of the first fraudulent verification on these accounts. I sent two certified letters received by an agent of Experian on XX/XX/XXXX requiring them to produce the proof and method of verification for these accounts. This letter was ignored and no proof or documentation was EVER produced as required by 611 609 and 616 and therefore they certainly missed the deadline. These accounts MUST be deleted. These are just the certified letter I sent. I sent 4 others prior regular mail. 

These accounts were lied about by Experian and NO Verification was ever done upon my first a d second regular mail requests AS THE STATUS DATES WERE STILL THREE YEARS IN THE PAST! NOW they are still lying because I have a letter from XXXX that they DID NOT PROVIDE ANY VERIFICATION TO EXPERIAN AT ANY TIME as Experian claimed. 
These are repeated multiple violations and now these accounts must be deleted per the Rules.they

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 2017-08-02
Company: Experian Information Solutions Inc.
State: NC
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 contacted the debtors in XXXX 2017 and confirmed with the IRS, XXXX XXXX, and XXXX XXXX that none of those lines of credit and lien is mine. Then in XXXX 2017 I disputed them all in XX/XX/XXXX with all three bureaus but the bureaus did not remove them within my dispute request. I am filing a complaints against the bureaus for not investigating these debts properly as fraud. Please, help me resolve this matter so that these debts are removed from my credit reports.

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 2020-11-04
Company: EQUIFAX, INC.
State: NJ
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, XX/XX/XXXX and XX/XX/XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I received my credit report from Experian and I contacted them about their inaccurate reporting of my name, date of birth, and my address. 
Experian shows the following inaccurate items on my report : My name is XXXX XXXX XXXX and their inaccurate reporting shows : XXXX XXXX XXXX which is incorrect. 
My birthdate is XX/XX/76 and their inaccurate reporting shows : 1976 which is incorrect and can be millions of other people. 
My address is XXXX XXXX XXXX, XXXX XXXX, MO XXXX and their inaccurate reporting shows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, il XXXX which I can not receive mail at this location.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: Netspend Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On Tuesday, XX/XX/XXXX I noticed a charge on my prepaid debit card for XXXX deducted from my prepaid debit card from a XXXX XXXX store. This store charged me for a phone i did not purchase and left with the merchant. I called NetSpend, who say that they credited the card. On Friday eve XX/XX/XXXX this unauthorized charge reappeared on my card, so On Saturday XX/XX/XXXX I called and explained again that this charge was not authorized, I sent them proof from my current carrier, showing that I did not authorize nor did I purchase this phone. The representative, blocked my card, without notice, and hung up on me. When I called back and requested to speak with a supervisor, three other representatives hung up on me, it took me three hours to reach a supervisor, who apologizes, and stated that the card should not have been blocked, and he rushed me another card. I got three cards that weren't active in the mail, and some snotty man in escalated billing reactivated the card they blocked that Saturday, leaving me open to this merchant. It has been over two weeks, they have not replaced my money, and are ignoring my emails regarding my dispute. They refuse to return the money withdrawn from my account or provide me a provisional 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 explanation
Consumer complaint received 2020-07-03
Company: HYUNDAI CAPITAL AMERICA
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 XX/XX/XXXX I spoke with a XXXX from Hyundai and told them that they are showing my account past due for XXXX on my credit report. He stated that he would get them to fix that because it shows that I have made all the payments they just don't show applying it to my account. He stated that their systems have been making big mistakes lately and they had a bad glitch. He said he will send it to their internal credit dept. and it should take 72 hours. In XX/XX/XXXX I went to apply for a car loan and we was denied due to the late showing my Hyundais report. 
On XX/XX/XXXX I contacted Hyundai at XXXX and spoke with XXXX. She looked at my account and confirmed the same as the rep from the previous call that I was never late for XXXX or any other month. We though that this happen because my scheduled payments were changed from the XXXX of every month to the XXXX of every month. After further investigations XXXX stated that would not be the case either because my change started in XXXX and it is showing on the credit report that XX/XX/XXXX was late. XXXX from Hyundai stated that she would be sending this to the internal credit dept. to have them send an update to the credit bureaus showing I was never late. 
On XX/XX/XXXX I sent an a dispute to XXXX  and the came back with their results on XXXX showing the balance had been updated but the past due still shows on my account which made my fico score drop 56 points. 
XXXX I sent another dispute through XXXX  and showed records that I am attaching here if able to show proof from my account at Hyundai, I was never late and they received all my payments every month and the XXXX payment shows received. 

I feel that being turned down for credit because of the error Hyundai created and XXXX  not seeing the proof I sent to fix it is making my life stressful. I need to get this repaired and my credit report fixed. I have taken all the proper steps in contacting the bank, contacting the credit bureaus and still can not get it fixed. I have proof and I even have the statement from Hyundai showing my payments received. 

I am asking for someone to please assist me with this matter because it is become a true hardship to get any of my credit in line and I am afraid that the current credit l have now will start pulling my line of credit or reducing my high limits due to this error that Hyundai has created. I don't know where else to turn. 

Thank you, 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 explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian credit reporting has made several errors with previous disputes. For an example report number XXXX on my Experian account is a error that I never disputed, they closed an auto loan which still shows I owe XXXX and is an active account I never submitted a dispute for this I'm not sure why they Experian closed this account in error. The other inaccurate information was report number XXXX this also was an error on Experian this shows an account that was paid in full as closed when in fact it's still active. These errors have negatively impacted my score and need these errors rectified.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
pulled my credit to myself for the first time in 2 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be 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