BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX, my rights. 

15 U.S.C 1681 section 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 a account without my written instructions

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 2022-08-25
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance Owed : {$1000.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance Owed : {$430.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXXXXXX XXXX Balance Owed : {$480.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance Owed : {$580.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX XXXXXXXX Balance Owed : {$6500.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX XXXXXXXX Balance Owed : {$380.00} - Delete this Unknown account unless you can provide me with proof of a contract with my signature. 

XXXX XXXX Balance Owed : {$460.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account. 

XXXX  XXXX Balance Owed : {$880.00} - Reporting unknown which means it's incomplete, please delete this account.

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 2015-06-03
Company: Commercial Acceptance Company
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Commercial Acceptance Corp 's XXXX, PA office contacted multiple of my children. They were not party to the debt and it was disclosed to them that Commercial Acceptance was attempting to contact me. CAC has my correct phone number and I am having my mail forwarded, as I recently moved. The debt is associated with a medical charge and a dispute with my insurance company. I believe their actions were overly aggressive and not in conformance CFPB rules and regs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This information does not belong to me I want to investigate when was this because I do n't have any idea. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2015-10-30
Company: JH Portfolio Debt Equities, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX Senior Representative XXXX XXXX (? ) contacted me XXXX XXXX at which time I told him to send me the required letter and then i would decide what to do from there. The letter arrived on XXXX XXXX indicating the debt was bought by JH portfolio not XXXX as XXXX had told me. I then sent them a certified, return receipt debt validation letter which was received and signed for on XXXX XXXX. 
I received calls 0n XXXX, XXXX, and XXXX, as well as XXXX. On XXXX I talked to XXXX again and told him about the debt validation letter. He was confused and had no idea what i was talking about, he had no knowledge of what a debt validation letter meant. He finally agreed to stop calling me until the debt was validated. To date it has n't been validated even though I was told it would be in too weeks. 
I would also like to point out the Pennsylvania is a XXXX party state for recording of conversations, and i was not told until half through the conversation with XXXX that we were being recorded, and at no time was I asked for permission to record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credence Resources Management, LLC attempted to collect for XXXX the amount of {$140.00} XX/XX/XXXX. I stated that I did not own that amount and we agreed that I pay {$88.00}. On XXXX XXXX, XXXX, I sent a cashiers check for {$88.00}. 
On XXXX XXXX, XXXX, I received a check from Credence Resource Management, LLC for {$88.00} made payable to my company, XXXX XXXX XXXX. I called and spoke to a supervisor who told they did not know what the check was for. To this date, I have not got a resolution on this matter. I have returned the check to Credence Management, LLC.

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 2016-12-20
Company: Bonneville Billing and Collections
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Included in bankruptcy which was dismissed on XXXX XXXX Belongs to bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Shellpoint Partners, LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold from XXXX XXXX to Shellpoint Mortgage. My account with XXXX is under direct debt and the payment comes out of my account for the last XXXX years with no issues. After the transfer to Shellpoint my account was not being debted for the payment. 
I was never told until XXXX months later when I got a call about being XXXX months behind. I paid the back months right there over the phone to make my account current. I did not know at the time that Shell point would report my account as delinquent for XXXX months. I went to purchase a commercial property when the loan offer told me I had credit issues that would prevent me from buying my business property for up to XXXX years. I never got a letter or a call from anyone telling me that I would have to do something about the debt because my account was sold. I never asked for my account to be sold. I was perfect and happy with XXXX. Now because my account was sold, my business will suffer for XXXX years. This is not my fault. I simple call telling me I had to do something with the direct debt would have prevented the issues. I called Shellpoint and they told me there is nothing they can do to fix my credit. They had no other explanation. This is just wrong. This big banks make money off taking my loan and then turn around and hurt me and think nothing about. How is it my fault. I called Shellpoint and asked them to remove the lates from my credit. I was told that they agree with me and are very sorry but they can not remove anything from the credit. They told me to write a letter. I wrote the letter and sent it on XXXXXXXX/16 explaining my issues As of XXXX I still have not had a single call or letter from shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Bronstein & Weiss Arbitration
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
For the past two days I have gotten a call from XXXX from a woman who claims to be named XXXX XXXX who says she is calling from the litigation department XXXX ( maybe Weiss ) Law Offices who says I am under investigation for finances and that they intend to prosecute me in court for damages and compensation. They said they have already filed a citation in court, but that if I call, we can resolve this matter without going any further to avoid any criminal charges. They identify me by name and the county I live in but offer no other information about me nor any information about what this matter is about. I have received this call twice in the past two days, XXXX via voice mail. I have no idea who this is nor can I get any information on the phone number or am I sure this is a real law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I Have been under a chapter XXXX bankruptcy plan since XXXX 2014 and have paid regular monthly payments to Shellpoint and the trustee. This company has promised several times to send me an account history but nothing happens. I have no idea how my payments are applied since I am not getting any monthly statements either. No one responds to me from their bankruptcy department and I do have a letter on file with them from the Attorney Authorizing them to talk to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Since XXXX XXXX, I was in an active modification review with XXXX. As of XXXX/XXXX/XXXX, XXXX had a full package with the underwriting team and prior to that we were informed that the loan would be transferred to Shellpoint on XXXX/XXXX/XXXX. Prior to the transfer from XXXX, XXXX assured that I had a full package which meant that the sale date would postpone and that Shellpoint would take on the file just as it left. After speaking to XXXX in XXXX, they stated it would take time for the documents to be reviewed and only on XXXX XXXX, XXXX were we told that ALL documents had to be in on their forms. We provided Shellpoint all new documents with corresponding proof only to be told on XXXX XXXX, XXXX that more docs were needed. I provided all documents and today I was told tht my income of {$10000.00} does not qualify for HAMP?! HAMP is not even an approved program then the point of contact said I do not qualify for any programs, so I mentioned will I receive a DENIAL letter so I can appeal the decision and he stated NO. This is classic example of dual tracking how cn this servicer take a file from another servicer as a full package then take 4 weeks to review and just on the eve of the sale state I dont qualify for any programs including a NON-EXISTENT program like HAMP? Please help I have over XXXX equity in my home and they are not playing fair I have complied with all that was requested of me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I canceled my XXXX XXXX Policy on XX/XX/XXXX and started my XXXX XXXX Policy on XX/XX/XXXX. XXXX XXXX did not cancel my policy and sent a final bill due to a collection company.. I spoke to the collection company and explained to them that the policy was cancelled and provided the collection company my declaration page showing credible coverage. They stated that this was going to be reported to all 3 credit bureaus and that I need to pay the bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: FinCo Services Inc DBA Current
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I received a deposit in the amount of {$9000.00} from my federal tax return into my Current debit account. My account was automatically taken over by a unknown individual. This imposter made several unauthorized transactions and withdrawals without my knowledge or consent. I notified Current of the inconsistencies in my account immediately upon receipt of my monthly account statement on XX/XX/2022. I have disputed all unauthorized transactions to the financial institution with no positive outcome. I have several receipts to support my disputes as well as other vital information. I have reported identity theft. I have contacted the FTC, CFPB, XXXX XXXX POLICE DEPARTMENT. As of XXXX XXXX the fraudulent charges have ceased. I have not activated my physical Current debit card due to the mishandling of my money and the funds I have lost in regards to this matter. I'm asking that a investigation be launched on my behalf. This complaint has links to my previous consumer complaint with XXXX XXXX XXXX It is also associated with my identity theft case against XXXXXXXX XXXX XXXX XXXXXXXX. Please respond promptly as I have been trying to recover my funds with very minute success. The receipts in my account are mathematically illegible. I have been trying to resolve the situation for six months now. I paid two previous past due debts from my current account to my XXXX roar money account and it is not reflected on my XXXX statement that they were paid. They were listed as a loan and a transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: MT
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 filed a previous dispute because all of my student loans with XXXX XXXX are paid off. They removed all but XXXX of the student loans. I have notified them and also the credit reporting agencies and XXXX XXXX still won't remove the balance and report the loan as paid.

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 2016-05-25
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
DiTech XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX My mortgage is with DiTech, serviced by GreenTree. I received a call at work from them in XX/XX/XXXX that my account was 60-days past due. The customer service representative was extremely rude. I attempted to ensure her that I had made my payments without success. When I got home and checked my statements, they showed all my payments and my account current. When I called back the next day, a different customer service person found that DiTech had a computer upgrade earlier in the year and some payments were not being credited to the proper accounts. I even showed her where an erroneous payment had been credited to my account. They removed the erroneous payment that day. It has now been approx thirty days and I continue to get statements/documentation that my account is overdue. I had my bank confirm the XX/XX/XXXX payment ( due XXXX XXXX, DiTech received it XXXX XXXX ), but DiTech is not crediting it to my account. They have posted to my credit report that my account is past due. DiTech said they would send a correction, but the item is still in my credit report. I asked for documentation of the credit report correction, but have received none. My job requires financial responsibility. DiTech 's inability to accurately process my payments and negligence in correcting their mistakes will cause difficulties for me now and later. Every time I talk to the DiTech CSR, I am assured that they are working the problem and that my account is current. Yet they continue to take actions as though my account was overdue. I have lost time at work to try and correct this issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: VA
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 submitted a letter to the 3 Credit Bureaus to correct or delete this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation