BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: SinglePoint GI
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with the company General Revenue Corporation in XXXX of 2018 and they advised me that if I paid off my debt in full they would remove the mark from my credit score. Now 2 years later I apply for a mortgage and discover the collection is still listed on my credit report. I attempted to call the company to give them a chance to remove it assuming it was a mistake, and they inform me its company policy for them to never remove from a credit report. This contradicts the deal that we agreed on when I originally agreed to make the payment. The manager acknowledged they do have the ability to remove, but due to their company policy they will not do so. I would caution all those who are being contacted by General Revenue Corporation to be wary of payments back to the company as they will tell you they will remove from your credit report, but will not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never had a XXXX account or any such entertainment provider. This appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was attempting to access my free credit report via XXXX.com and requested it from XXXX XXXX, XXXX, and Equifax. When the website prompts asked for my personal information, it came to a questionnaire about existing loans, accounts, etc. A few of these questions where about a home loan, auto loan, and jeweler 's account that I have never opened. Since I was unable to answer questions about what organizations held these accounts I could not access my report. These questions indicate that it is likely someone has access to my personal information, including my social security number. Because of my concern for this, I need immediate access to my credit report to gather more information and potentially file a claim. I am asking XXXX XXXX, XXXX, and Equifax to send me my credit report, preferably online, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have paid my bills my whole life and never missed a payment. I had a misunderstanding with XXXX, which was not my fault, and there is no documentary evidence to support my contention of the following facts. XXXX records all phone calls, so XXXX is in control of all of the documentation necessary to remove this item from my credit report. 

I moved out of California, where I had been a XXXX customer, on XXXX XXXX, 2014. On that date, I was told by the XXXX representative who disconnected me that I was paid in full. I received a bill from XXXX a month later for about {$150.00}. I called and the representative told me that I needed to return my router, which I did. I mailed the router and called to confirm. I received another bill and called and was told again that it was a mistake. Only upon receipt of a collection notice did I finally receive the correct information regarding my bill and I paid it immediately, pleading with the representative who promised me that if I paid it would not impact my credit. I submitted a dispute to XXXX XXXX the dispute confirmation number is pasted above ) after discovering to my horror that I had been misled and lied to. XXXX asked for documentary proof, of which I have none. All I have is my unblemished history of payments of all debts. I applied to refinance my student loans and was denied a week ago because of this. 

This information will obviously be on all credit reports with the largest credit reporting agencies, so if the CFPB could help me dispute across all agencies, it would mean so much to me. I worked so hard and to have a misunderstanding affect me like this is really heartbreaking. 

Please help me. I really hope that you can help me resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During last quarter of 2004 three false action of title took money from the mortgage and it appears that is the reason I am still paying ... all attempt to correct this from the servicers have been ignoredand request for advisaril action to nmy BK Atty have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Medical Data Systems, Inc.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : MEDICAL DATA SYSTEMS Please be advised that I have received your correspondence dated XX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-06-12
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Requested by certified mail  XXXX  17that  I receive the original promissory notes to validate the debt, and also that communication be done in written format only. I have not received any communication back from them since. They received the certified mail  XXXX / XXXX / 17 . I received a phone call today on  XXXX / XXXX / 17  (  XXXX   XXXX   XXXX  at  XXXX  even after I requested document only communication, harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Ad Astra Recovery Services Inc
State: ID
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent them my FTC fraud affidavit package and told them that I did not get a payday loan, because I have been unemployed and getting VA benefits for many years now, and I never had a checking account since I was XXXX years old. I have no checking or savings accounts and no checks. I suspect that someone stole my I.D . sometime when I lost my ID many tines when I was homeless living on the streets. But, they said they do not believe me and will continue collecting and will file a lawsuit against me for writing bad checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I JUST HAD MY CREDIT RAN AND FOUND OUT THAT EQUIFAX HAS DELETED ALL MY POSTIVE TRADE LINES AND PUT BACK FRAUD ACCOUNTS THAT WERE DELETED YEARS AGO I DO N'T KNOW WHAT THEY ARE DOING BUT THEY HAVE RUNINED MY CREDIT AND NOW THEY CA N'T EVEN ANSWER WHY THOSE ACCOUNTS ARE THERE AND WHAT HAPPEN TO ALL MY POSTIVE CREDIT. I SPOKE TO A LADY NAME XXXX NOT SURE IF THAT IS HER REAL NAME. THIS ALL HAPPEN AFTER I MADE A COMPLAINT WITH CFPB ABOUT FRAUD INQUIRYS. ATTACHED ARE SCREENSHOTS ON HOW MY CREDIT LOOKS NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am on an IBR plan and I made a payment on XX/XX/XXXX. Around the middle of XXXX I received a credit report from XXXX which I did not order. I reviewed the credit report and found that there was a discrepancy with the payment that I made. I reached out to XXXX and was advised to disregard and that the issue that I was calling in reference to was related to a system glitch. Two weeks later I called Navient to make a payment and was advised by the representative that she could not locate my loans. We went back and forth and she placed me on hold until I asked to speak to a manager. The manager picked up and quickly located my accounts. He could not explain why the representative could not locate my accounts and we proceeded. I told him that I remitted a payment back in XXXX or XX/XX/XXXX and after reviewing he advised that it appeared that the payment was applied to my private loan that was charged off due to me filing bankruptcy in XXXX. He indicated that he would address the misapplication and that I had the contact the credit bureaus to ensure there are n't any issues. I advised him that I will be submitting this to the CFPB and requested an advocate because I do not feel that I should have to take the time to resolve ANOTHER problem that Navient is responsible for creating. The last problem resulted in Navient repurchasing all of my loans that they sold because the representative failed to include them with the loan consolidation. Navient misapplied my IBR payment to a charged off loan and reported to the credit buearu ( s ) that I remitted payment to a charged off loan which in turn caused collection activity to occur, my credit score to be impacted and impact the status of the charged off loan to show current activity. Additionally, I received a credit report that I did not order and I do n't have any idea why which is what alarmed me and caused me to contact XXXX. I would like all of this resolved as quickly as possible as I spent almost a year of constant contact with Navient to attempt to find a solution for the loans that were sold in error and repurchased by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: TX
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:
Experian is reporting false or fraudulent information on my credit report. There is an inquiry on my report from XXXX/XXXX  XXXX which occurred in XX/XX/2020, XXXX/XXXX  XX/XX/2020, and XXXX  XX/XX/2020. I have no knowledge of this company nor have I authorized or signed any contracts. I have sent dispute letters to Experian, and results have came back in the decision not to remove an inquiry with no proof provided.

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 2022-02-01
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
TD BANK REFUSAL TO RECTIFY MISREPORTING OF INFORMATION THAT IS INACCURATE TO THE MAJOR CREDIT REPORTING BURAEAUS DESPITE NUMEROUS ATTEMPTS, TD HAS NOT RESPONDED. CHARACTER DEFAMTION AND NEGATIVE IMPACT ON QUALITY OF LIFE DUE TO THIS INACCURACY AND LOWERING OF CREIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit records were merged with my younger brothers, which made my credit score much lower than what is was supposed to be. My name is XXXX XXXX XXXX and my younger brother 's name WAS XXXX XXXX XXXX ( He had to switch the name when we faced this issue ). 
My social security number is only different by XXXX digit at the very end. Mine is XXXX and his is XXXX. I have contacted the Equifax multiple times to fix it. While XXXX and XXXX fixed the problem for me right away. I still had this issue with XXXX and it is costing me money ( have been paying higher interest rate and lost opportunity to apply for the loans/credit related products ). 
I had to submit multiple disputes and still I seem to have the problem. I never did something that will impact my score negatively. It was all happened somewhere else and it damaged my financial stability, time, and efforts to fix it. 
Please look into this for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus continues to mail letters stating I am responsible for a debt discharged in Bankruptcy Court 3 years ago. I filed a complaint in XXXX XXXX and the company agreed not to contact me however they continue to do so. 
Further Seterus admits in the enclosed documents that they are sharing my private financial information with their affiliates. They also sent me paperwork via XXXX overnight stating that I need to fill out mortgage loan modification forms. 
I have documentation going back to XXXX from Seterus trying to reaffirm this loan, which is in violation of the Federal Bankruptcy Court ruling in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: SC
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:
Im a victim of XXXX  multi-state sub prime. Need all info removed And deleted from credit report effective immediately. Contacted attorney general about this situation as well. Plus its showing on my credit report 2 times for unknown reason.

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 2020-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit limit was decreased for what they claim is insufficient usage. It went from {$10000.00} to {$5000.00} over night. I have ALWAYS been current, never delinquent and always managed and used my credit cards responsibly. I only charge no more than 33 %. 

I am being penalized for using my credit responsibly. I called and asked them to increase it back to what i had earned and they refused. There is no reason to reduce my credit limit except for punishment for not using their card more. I am a good consumer, pay my bills on time and am never never late. I have been with Capital One for 10+ years and this is the customer service they give to a loyal paying client? My FICA score is 800+ there is no reason for this.

This action will now hurt my credit score because it will show an overall higher DTI ratio and that a creditor reduced their available credit to me. Their actions will lower my credit score for no fault of my own. It is not right, not fair and should not be allowed since i have used their services responsibly and never violated the terms of the agreement. 

I kindly ask they they reverse their decrease since it was for no legal or financial reason and put my limit back to where it was at. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My flood insurance for the year of XX/XX/XXXX was cancelled due to non payment from my escrow account. I was sent an over payment check from my escrow account that was supposed to be used to pay for my flood insurance, then told to me by your agent XXXX that this was a mistake on Quicken side ; this is not reliable business to have since I 'm living in a flood zone area in XXXX Va. Then XXXX tells me that I would have to pay the money back that I was n't expecting, to pay on a cancelled flood policy that has n't been pain on since XX/XX/XXXX.The money has been spent. 
I was not notified that I had to pay any money back when I received the check ; that 's a mistake that Quicken made. 
I have since got another flood insurance policy and paying much less than before ; there should be a change in my mortgage payments, why do I have to wait for a escrow analysis because of mistakes Quicken has made. I have also changed my home owners insurance for a decreased premium rate and still paying the same amount of mortgage. which brings me to another mistake Quicken has made, told to me by XXXX, by paying 2 premiums in the month of XX/XX/XXXX, for my home owners /hazard insurance, each payment was XXXX, WHY? why is my hard earned money being tossed around this way? I 'm amazed and not happy about this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
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: Account information incorrect

Complaint:
They are reporting false information. It says I was late 90 days but on the report it says I was on time In XXXX and in XXXX but I was late in XXXX and in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.

Thank you for your cooperation

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 2016-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
In my most recent Equifax Credit Report I viewed several accounts ( loans ) that I paid in full still reflecting as open. I requested Equifax to send me my most updated Credit Report and as of today they have not complied with my request. If these accounts are not reflecting correctly on my Credit Report it is damaging my Credit Worthiness and Credit Score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I learned today, XX/XX/XXXX, from a credit alert email, that my medical CareCredit account with Synchrony Bank has been closed. When I called customer service ( Twice ), all they can tell me is that my account was closed on XX/XX/XXXX and I will be receiving a letter in 7-10 days explaining why. That's all. No explanation, no nothing. I've had this account since XXXX and my account has been in good standing. My last payment to bring my account to a {$0.00} balance was XX/XX/XXXX. There is no reason whatsoever that this account should have been closed. But they are quick to suggest that I can reapply for credit, again, which will reflect negatively on my credit report. Makes me wonder if they don't get some sort of bonus/kickback for the amount of new accounts they open. Plus, I have a dr 's appointment in a couple weeks and I will need to use this, but now that won't be possible. Something just doesn't seem right. And Customer Service isn't much of a service.

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