BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-10
Company: Williams & Fudge, Inc
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
To whom it may concern, I have been dealing with being unfairly treated by a collections agency by the name of Williams & Fudge Inc. for 4 years now. They refuse to work with me on reasonable terms of repayment and I feel I can never get out of this hole. I dropped out of college after my sophomore year because I had an outstanding balance of over {$12.00}. My single mother and I could not afford to pay back the amount in full. Loans were denied to us left and right. So with a heavy heart I joined the workforce. Due to no degree I could only get entry level jobs like XXXX, XXXX, and XXXX industry. My balance defaulted and eventually went to collections Williams and Fudge Inc., now I owe over {$16000.00}. I ca n't go back to school unless this balance is paid in full. I am currently an XXXX serving on XXXX XXXX and I believe I have additional rights with dealing with this collections agency. I have dreams of becoming a XXXX and this debt is holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We received a trial modification from XXXX Mortgage in XX/XX/XXXX. We made all XXXX payments to XXXX on time. We received a letter from XXXX stating they were transferring our loan and if we did n't get the final modification before it transferred on XX/XX/XXXX our new investor would be sending it to us. Long Story short it has been since XX/XX/XXXX since we have been dealing with Shellpoint Mortgage and to this date we have not received anything from them except for foreclosure warnings and extra fees etc. from them. When I call they tell me to just ignore the, We have continued to make all our payments to Shellpoint everymonth Since XX/XX/XXXX without any statement etc. from them. I have ALL documentation from the lender including XXXX apology letters from them about this matter. I have asked assistance from the State of CT Banking Commission and a HUD Counselor. They have advised me to file a complaint with you as well. They have written and called Shellpoint for the last several months and the matter is still not resolved. This matter is very lengthy I have all letters going back from XX/XX/XXXX from we were approved for a modification, letter dated XX/XX/XXXX from XXXX regarding the transfer of our Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called regarding a bill sent to me from a lawyers office. I gave my information when asked. I let the man who answered the phone know that I had already paid the bill and did not know why it was in collections. He told me to send proof and told me to have a good day.i said for him to wait and not hang up on me. He did any way. His name was XXXX. I called back to have XXXX answer the phone. I asked why he hung up on me when I was not finished talking to him. He told me the conversation was over. I told him that on his end but I asked him not to hang up on me. He asked what else he could do for me. I stated that I needed to know what they excepted for proof of payment. He stated he did n't know. I asked how he could not know if he wants me to prove it was paid? He continued to tell me he did n't know. He told me what ever I wanted to use. I asked to speak to his supervisor and agreed that the conversation was over with him. He told me the outcome was not going to be any different. I again informed him that our conversation was over and please give me his supervisor. He put me on hold and his supervisor came on the line. I did not catch his name. I asked the supervisor if he could tell me what forms of proof they excepted since XXXX as not trained right and could not tell me. The supervisor told me he too, did not know and it was up to me. I told him if they had no protocol and it was up to me, then how about a verbal statement. I then verbally told him I paid the bill and asked him if that was ok? The supervisor stated he was hanging up on me and did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX transferred the servicing of my mortgage loan to Shellpoint Mortgage Servicing, a division of New Penn Financial, LLC on XXXX XXXX, 2016. ( Exhibit A ) At that time, my mortgage was delinquent and XXXX XXXX XXXX had approved a six month forbearance on XXXX XXXX, 2016. ( Exhibit B ) Per statement balance from XXXX XXXX XXXX dated XXXX XXXX, 2016, my delinquent balance amount was {$6400.00}. ( Exhibit C ) On XXXX XXXX, 2016, I made a payment by check of {$3400.00} to a XXXX XXXX XXXX branch location in XXXX XXXX, Maryland. ( Exhibit D ) This should have taken my delinquent balance down to {$3000.00}. I received a mortgage statement from Shellpoint Mortgage with first payment due for XXXX XXXX, 2016 in the amount of {$1300.00}. ( Exhibit E ) I contacted Shellpoint Mortgage on XXXX XXXX, 2016 to notify them of a my payment that I made to XXXX XXXX XXXX. I spoke with XXXX XXXX XXXX, he informed me that my total past due amount is {$6400.00}. I told him I did n't understand why it is that much. He explained there is {$2500.00} of fees and charges accrued over the years of having the loan. He told me to email escalations. I sent an email to escalations on XXXX XXXX, 2016 ( Exhibit F ) and another email on XXXX XXXX, 2016. ( Exhibit G ) I received a letter dated XXXX XXXX, 2016 in response to my emails. This letter shows a balance of {$7800.00}. They state in the letter that {$2500.00} are corporate advances. ( Exhibit H ) I have a statement dated XXXX XXXX, 2016 with a past due balance of {$7800.00} ( Exhibit I ) and a statement dated XXXX XXXX, 2016 with a balance of {$4300.00}. ( Exhibit J ) I made a payment of {$1300.00} on XXXX XXXX, 2016 ( Exhibit K XXXX On XXXX XXXX, 2016, I called Shellpoint customer service and spoke with XXXX XXXX and XXXX XXXX, they stated my current balance due is {$6400.00}, delinquent for three payments. My monthly payment is {$1300.00}, which adds up to {$3900.00}. I do n't understand what is happening to my mortgage account. I fear that this transfer of mortgage servicing is going to cause me to lose my home due to errors in financial computing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these accounts. Under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I called and spoke with an manager and he stated that he would call me back so that I can make an arrangement to pay the car off but he never returned my calls or messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I currently have XXXX student loans with Navient. I contacted them to see about consolidating these loans and lowing my interest rate that at the times were 6 % 5 % 4 % before finding another company. About a month later my interest rates were raised to 8 % 8.5 % and 6.75 %. I feel like they did this to make as much money as possible with the information that I maybe refinancing with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went on Equifax website to get my free Credit report. 
I went through all the steps and the site said ; it could not give me the free report. 
I went on the site the next day and the site told me that I already got my report and If I wanted another report it would cost me. Again, I never got the report from Equifax. 

I went to XXXX and XXXX online sites and I was able to get and print out my reports. However, I have a name error and address error on XXXX and XXXX reports. Also, I still have to send them a letter to get the errors corrected. Why ca n't the public talk to a person to correct errors?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has listed on my credit report that my student aid loan, XXXX, was sold or transferred. This is INCORRECT information. I paid that loan in its entirety myself with a last payment of over {$2000.00}. This needs to be addressed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
There are XXXX accounts that I disputed with Equifax XXXX and XXXX Credit reporting agencies.. The first was a tax lien that is incorrect. I submitted the paper work that proves that the tax lien was based on an improper XXXX filed by a former employer. The former employer corrected the XXXX and that should have erased the tax debt. Attached is a letter I submitted to the IRS that explains what and why they corrected my file. Also attached is the corrected IRS transcript and the correct XXXX. Equifax XXXX and XXXX stated that they investigated this lien and concluded that it was correct. But they did not provide me with who they contacted or any other information that they gathered or obtained to come to their conclusions. Per the Fair credit Reporting Act they are responsible to provide me with this information. The other XXXX accounts Were hospital collections. I contacted the collection agency and they informed me that the debts were paid. Equifax XXXX and XXXX neither provided me with who they contacted to investigate these accounts or their phone numbers and conversations. It is my belief that they are reporting false information of these XXXX accounts that are affecting me directly. I need someone to help me to resolve this since Equifax XXXX and XXXX has failed to cooperate with me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a chapter XXXX Bankruptcy in 2008 I had a mortgage with XXXX XXXX XXXX that was included in the bankruptcy and not reaffirmed. It is currently reporting to the credit reporting agencies. This account needs to be removed due to it has been over XXXX years since the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have an account showing as in Collection on my credit report. I have provided Equifax with copies of the cancelled checks ( 2 different times! ) showing that payment was made in full to this creditor in 2012. I received a confirmation number from Equifax. When I check my credit report, the Derogatory remark is still there. When I check with Equifax , their page says " .There are no pending disputes on your credit file at this time. ", and that there have been no disputes filed in the last 365 days. I have filed this same dispute twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name is XXXX XXXX. I was born XXXX - called XXXX since elementary school. I have my certified birth certificate, my driver 's license and my social security card. 
I sent copies to the credit reporting agencies. I was a victim of identity theft when XXXX and I wanted to clear a reference to XXXX that has been showing on the credit file. XXXX resolved the matter but Equifax send a letter in response to my certified request and attachments. In the letter dated XXXX XXXX, 2016, Equifax makes a request to send the identical information and attachment again. I would appreciate assistance so as to not create repetition.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Seterus. They took it over from XXXX and it is a XXXX mortgage. I am being told that my first payment with XXXX was used to implement the mortgage. Therefore I am behind XXXX payment. When I asked for the statement showing where the money went, they cant or wont produce it. I have all the statements from XXXX and the statements show a normal monthly payment. Seterus tells me to stop asking for this information. I have statements from Seterus that are absolutely inaccurate and ridiculous. I have told them show me where the statement, closing statement, loan origination statement and they refuse to do that. This is now five years old and they are about to foreclose on our home. I have written them and explained to them, just show me the statement and I will immediately send the missing payment and all the late fees that have originated in the last five years. I have never been foreclosed on and have not missed any payments. There most likely will be a court hearing and at that hearing I will present my letters asking for this XXXX item from Seterus. I even sent them a bank statement showing all my payments. Not XXXX is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This item is inaccurately reported on my report for a while now under public record as a satisfied legal. 
I 've contacted Equifax in writing and requested a permanent removal to this item since it 's inaccurate, they mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature or legal documentation that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX County Circuit Court wo n't give me any answers or access to learn about the account since it 's confidential, they also advised me that the Bankruptcy court does n't report to any credit bureau period. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt/item comes back with different entity discerption. 

the public record info is the following : XXXX County Circuit Court XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX identification # XXXX court # XXXX reported as Satisfied ( so even if correct, why reported negative )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I was notified that by my credit monitoring service that a company named XXXX XXXX XXXX XXXX obtained a copy of my credit report from Equifax on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I provided XXXX XXXX XXXX formal notice of dispute and request to cease unauthorized inquiries into my credit report. In my dispute I notified XXXX XXXX XXXX the debt purchased by XXXX XXXX XXXX XXXX, whom they obtained the credit report for, was discharged in Federal Bankruptcy Court ( XX/XX/XXXX ) and any attempts at collection ; including credit report inquiries is a violation of Fair Debt Collection Practices and Fair Credit Reporting Act ( XXXX ). I have no legal ownership interest in the property which they are attempting to collect. As a result of my dispute, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have acknowledged they obtained my credit report in error and contacted Equifax via telephone and mail correspondence to request they remove the errant record of the inquiries. Equifax refused to remove the inquiries. 
I have also contacted Equifax via letter of dispute dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. I also contacted Equifax via telephone on XXXX XXXX and XXXX, XXXX. Equifax has repeatedly refused to remove the inquiries and denied my disputes. In addition to mail and telephone disputes I faxed Equifax documents ( Bankruptcy Discharge Order, Property Deed, XXXX XXXX request to remove inquiries ) supporting the inquiries were made in error. During a phone conversation with Equifax supervisor, " XXXX '' I notified her the debt in which the inquiries were linked had been discharged in a federal bankruptcy proceeding. Supervisor XXXX acknowledged she had received the discharge order and request to remove the inquiries but refused to remove the inquiries. XXXX XXXX XXXX has been unable to utilize Equifax 's Rapid Resolve system to remove the inquiries and all efforts ( phone, mail, electronic ) to have Equifax remove the inquiries have failed. 
Equifax has acknowledged XXXX XXXX XXXX notice of errant inquiry, have reasonable knowledge the inquiries were made in error and violate Federal Bankruptcy Protections afforded me but refuse to remove the errant inquiries. It is my assertion Equifax has been provided sufficient documentation to support the information they are reporting is incorrect and are required to remove the errant inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has misreported my credit payments. The payments were received and cashed on a timely basis, but XXXX misapplied payments. I have submitted to Equifax copies of my cancelled checks which they have ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX I sent a letter asking for Equifax to look into several accounts I have issue with and believe may be incorrect. I sent a follow up letter XXXX. It is now XXXX and no response. This is a violation of Federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been trying to improve my credit score for 9 months now and I have disputed several things on each report that were incorrect. I notice that after they are removed that some of them are put back on ... this makes no sense!!! I also have paid and am paying on some of these accounts that they are showing and the credit bureaus do n't have the information accurate. What do I have to do to get my credit reports accurate? Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax was reporting an incorrect XXXX XXXX tradeline, which I disputed. They deleted the tradeline. Subsequently, they reinserted the incorrect tradeline with no notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There have been unauthorized inquiries put on my credit report and after contacting both the bureau and the companies have not been removed. 
XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has inserted an account onto my file that was previously deleted because it was a part of an identity theft affidavit years back. This account could never be verified properly and does not belong to me.

Company response to consumer: Closed with explanation