BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Equifax via telephone, fax and certified mail. Stating to them that several of the inquiries on my report were not authorized by me. I started my disputes with them in XX/XX/2017. I have even received letters from several of the disputing companies, stating that they did have my permission to authorize the inquiries and they stated that they would have them removed from my credit file. I have explained this to equifax reps and they still refuse to take them off my credit file. 

I recently spoke with a equifax rep and she tried to walk me through entering an online dispute so that I could instantly upload my docs. After SEVERAL attempts, the upload page would not come up ( this puzzled the rep and she stated she do n't know why that page was n't working ). It would n't come up for me or her! I tried again today and that page still wo n't come up. I have been trying to fax them again for the last two weeks and my fax 's keep getting rejected. I am tired of begging them to remove these items from my credit ... I simply want the unauthorized items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During the last week of XXXX I was given a settlement offer on my XXXX XXXX account. I was assigned Sequium Asset Solutions reference # XXXX. I was told 4 payments of $XXXX would be taken monthly during XXXX, XXXX, XXXX and XXXX.It was not made clear to me that these are post dated payments. I made XXXX  payment by phone with a customer service rep. In XXXX  I decided to call a make the payment early. I made a payment for $XXXX  on XXXX.On XXXX a transaction for $XXXX by Sequium was showing on my XXXX XXXX Checkoing account, this was charged by the merchant to my debit card.I filed a dispute with XXXX XXXX and the funds were credited back to my account.I called Sequium on XXXX. The Supervisor informed me that my account was debited on XXXX because the payments were posted dated.--She also said the rep who set the payments up, set up the wrong amount.I asked if I could make the payment on or before the XXXX of each month through the automated system instead of having the account deibited. She said she would cancel remaining payments and note the account that I would make payments. She asked for the date I would make each payment. I told her I would make payments on or before the XXXX of each month.Today XXXX once again, the amount of $XXXX has been debited to my XXXX XXXX account, this was a Debit Card transaction done by Sequium.I called Sequium today and again, Supervisor XXXX said she would cancel all post dated payments and note the account I will make payments on or before the XXXX of each month(XX/XX/XXXX, XX/XX/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 2021-12-13
Company: EQUIFAX, INC.
State: FL
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:
On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. It has now been 60 days since I have sent this letter to investigate further into These items as they are not validated to be specifically mine. Section 611 ( a ) states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my report and once again, it has now been 60 days!! So both items need to be deleted immediately or I will file for litigation due to the XXXX you caused me!! Further, I need the letter I sent responded to with ALL the questions answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: EQUIFAX, INC.
State: OR
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:
this credit line continues to show up on my credit report even though I have been told repeatedly that the line would be completely deleted I have a release of judgment and also document saying the credit line would be removed but Equifax and   XXXX   XXXX    and  XXXX  keep reporting it. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I believe my loan with Navient has been overcharged and a lot interests has been added, no details at all why balance that big. I get no communication or notification regarding that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: TRANSWORLD SYSTEMS INC
State: MI
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 received this letter from XXXX/Transworld System continuously, and they claimed that I owned them a XXXX USD debt + XXXX collection fee. 

It might be a part of a duty generated in XX/XX/XXXX, but I did n't import any goods from outside USA. A guy from IL ask me to pay a bill for him because he do n't have a credit card. 
These goods were transported to his place directly, and I did n't know he was importing thing from the XXXX. Now I ca n't contact with him, and I do n't have money to pay the debt ( I 'm already in bankrupt and I do n't have any income ). 

The invoice num of these debt : XXXX The add of the guy who should own these debt XXXX, IL XXXX The phone number of him : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: National Credit Adjusters, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Repeated calls, one after the other. Name calling and obscene language. Refuses to identify the company they 're calling with without finding who they 're talking to first, and then get belligerent. 4-5 calls per day to numerous phone numbers, have asked them to stop calling. Refusal to get supervisor when obscene language was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with HSBC on XX/XX/2021 under the " {$450.00} Welcome Deposit in your new HSBC Premier checking '' promotion. I qualified for the promotion by receiving over {$5000.00} in direct deposits per month for more than three months ( six months so far ). When I chatted with HSBC this evening I was told that I did not qualify because I did not open the account through the offer page. When I was applying for the account I made sure to save to pdf the offer page from which I opened the account. Please find this evidence attached plus my submitted application, my chat transcript with HSBC, and my account transaction history since XX/XX/2021 which shows that I have met the requirements of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I used my credit card to get gas. Shortly after my card was used at a XXXX and XXXX. When I noticed I called and had the card cancelled and was mailed a new one. Now, a month later, the charges have been added back and I was not aware why. When I called they said it was because the chip was validated. When I explained I lost the card they said I should have filed a police report. However, they never told me to file XXXX when I submitted the claim. I should not have to pay for someone using my card fraudulently.

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 2019-12-17
Company: Collection Management Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I worked for this company and I know exactly who is calling me and that is a HIPPA violation when Ive asked them not to call me as I know all of the employees and it is illegal to keep calling me when Ive asked them to remove my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient would not offer income driven repayment plan while I was in medical training 6 years. My credit was harmed and loans mostly stated in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-04-12
Company: Special Financing Company, LLC
State: FL
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:
In XX/XX/2016 I signed up with company called XXXX who stated I was eligible for Student Loan Forgiveness through a program and after 10 years debt would be erased and lesser monthly payment that was owned by XXXX ( now XXXX ). XXXX did documents and payment came back at XXXX as loans were bought by Dept of Education. I was told that I would have to recertify each year and once I did recently I was denied this program as they misrepresented my income as being single last year which I was not. When I recertified I used mine and spouses income and was denied while XXXX informed me my income went up significantly which is not accurate. What is also very bothering is I was informed by XXXX that they have numerous complaints with XXXX and that I should consider filing complaint as I continue to be charged XXXX a month automatic withdrawal for them doing paperwork which was not represented accurately. The automatic payment is taken by a company that evidentally represents XXXX account and it is called Special Financing Company LLC. I have called this company and had my account noted and I also contacted my back and placed a stop order on this monthly withdrawal. 
I would appreciate any help you can provide with this. I also believe I am entitled to 11 months of payment X XXXX be refunded for their inaccurate representation of a plan I am not even qualifed for. 
Very frustrating considering I have made over 20 years of on time payments for student loan and yet I am no further along. I am pretty sure I have paid these off and then some. 
Any support you could provide against my complaint regarding XXXX would be appreciated. Total paid to date is {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Issue: Advertising and marketing

Complaint:
On the american express website, I was offered to obtain a second card. The way I read it, amex was simply inviting me to get a second card for the person of my choice. Since I already have a card, and since it appeared as an invite, I just assumed that they would be sending me the second card. Rather, I received a notice of rejection, which notice contained no reasons whatsoever. I have been a customer of amex for three or four years. Their way of dealing with a customer is bad and insulting. Their treatment belies their statements that theirs are " valued '' customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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:
XXXX account, XXXX XXXX XXXX inquiry dated XX/XX/2021 and XXXX inquiry dated XX/XX/2021. 

Civil liability for willful noncompliance of Deletion, VIOLATIONS, DELETIONS TO CONSUMER REPORT XXXX XXXX. XXXX and XXXX XXXX XXXX ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX ( XXXX ) Privacy Notice XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Civil liability XXXX XXXX Code XXXX XXXX ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
XXXX XXXX XXXX XXXX - Civil liability for willful noncompliance. XXXX XXXX. XXXX - XXXX XXXX - Unannotated Title XXXX. Commerce and Trade XXXX. Civil liability for negligent noncompliance. XXXX XXXX XXXX XXXX - XXXX liability. Delete account from consumer report immediately.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the fair credit reporting act XXXX  account # 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 602 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 explanation
Consumer complaint received 2021-12-13
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, NewRez LLC DBA Shellpoint Mortgage Servicing indicated a payment was made from escrow to pay my School Real Estate Tax at the discounted rate {$3900.00}. This payment was reflected on the monthly mortgage statement that I received. 
In XX/XX/XXXX, while I was in the process of streamlining my VA Home Mortgage, I received a letter from the tax collection agency indicating that my XXXX school real estate taxes had not been paid and would be considered delinquent as of XX/XX/XXXX. The tax due was now at the penalty rate of {$4300.00}. I called the tax collection agency and provided them the date, payment amount and name of the mortgage company. However, they were unable to locate the payment and insisted the mortgage company needed to provide payment details. After numerous calls, Shellpoint provided me with a Batch ID #. The tax collection agency was still unable to locate any payment and asked me to have the mortgage company call them directly. I made numerous calls to Shellpoint for them to contact the tax bureau and get the issue corrected. 
I completed my streamline and my Shellpoint mortgage was satisfied. I received a check from Shellpoint dated 4/19/21 for the {$3900.00}. I contacted the tax bureau and they confirmed my taxes were still unpaid. I contacted Shellpoint to question the check I had received. Shellpoint indicated that they had just received a refund on my account for that amount. I explained that the real estate taxes were still unpaid and they needed to pay the full amount due to the tax bureau. I have never cashed the check sent to me by Shellpoint and it is now stale dated. The tax bureau still indicated that my taxes were unpaid and I contacted my attorney. The attorney mailed a letter on XX/XX/XXXX. My attorney has never received any response to the letter. 
Today, XX/XX/XXXX, I have received another delinquent tax notice indicating that {$4700.00} must be paid in full or further actions will be taken beginning with a Notice of Sale in XX/XX/XXXX and ending with the Sale of my home at XXXX on XX/XX/XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is in rebuttal to previous complaint XXXX against RoundPoint Mortgage. 
First off regarding the response I get back- There are six indiscretions already and two more if you count the ( not once but twice ) incorrect addresses by which you sent the certified letter. Is n't it easy to see why I have to raise the complaint to another level. 
The one issue that raises the biggest concern is this- You service the loan for XXXX and in light of the unusual circumstances and legal issues surrounding this case, do n't you think it is deserving of this situation to inquire instead of blindly assume that XXXX would not want you to reflect accurate reporting of this loan. I quote - '' The investor of the loan did not request we stop reporting the account to the credit bureaus. As such, we reported the account to the credit bureaus. '' Hello? Someone pick up the phone or send an email to legal department, i.e.. XXXX XXXX and ask the question ... .. 
If accurate reporting is the ultimate goal here, can you see why it is wrong to report me as delinquent for 180 days or more when 1 ) there seems to be no indication that XXXX was in the know on this and 2 ) I was n't in the know on this? Did I receive or can you show where I acknowledged by signature or any other legal means of proof that I was informed of this loan being reported as delinquent because I came out of a forbearance status? In fact, it was not a forbearance status at all. It seems this was just a category to drop this loan into when XXXX agreed to partner with me in litigation against the builder. Again, if accurate reporting is the goal here, BLOCK all months and accurately report what it truly was! This is not because I could not pay or would not pay! So ask yourself, does it reflect accurate reporting? 
Lastly, why does it take 4-6 weeks to change what you have already admitted has been erroneous reporting?

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 2022-04-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted all of my " Credit Limits '' - of all my credit cards to the bureaus ' and my credit totals collectively add up to a total credit line of : {$110000.00} and the Bureau 's are only showing a top credit line of only : {$76000.00} which is a whopping " {$37000.00} '' missing limit which would greatly decrease my credit balances, and decrease my credit ratios. Experian for the most part tend to be the most stubborn aggressor in changing my information to a correct status. This change will increase my credit ratios and scores. After all, these Bureau 's are in the business of reporting " Bad Credit '' - The worse the credit, the more credit reports and fees are collected because all consumers at some point must use their scores, for credit approvals, home purchases and car purchases..Just to name a few. But the Credit Bureau 's are making a killing in fees. I need for your organization to help me in keeping these Bureau 's transparent, yet liable for their fraudulent actions. I have suffered enough by their inaccurate scoring models. Please help me to restore my Credit Standing, Scores, and proper reporting status

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 2017-06-02
Company: WESTSTAR MORTGAGE CORPORATION
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am currently  one  month behind on our mortgage payment and working hard to get it back up to date.  WestStar  Mortgage  Company  has been contacting my relatives stating they are calling regarding an active loan in my name and they need to locate me. No one needs to know anything about my loan  (  even that said loan exists ) except me and anyone who I legally state can be given information on the record. I have done no such thing, and now that others are aware that I have a loan with  WestStar I fe el my rights have been violated.

Company response to consumer: Closed with explanation