BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The following delinquencies was reported which decreased my XXXX score. This debt was ordered to be the sole responsibility of my Ex husband by a court majesty. However, I am constantly receiving calls and it continues to be entered against my credit report.

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 2015-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian Credit Bureau has a collection account listed on my credit report that was sold or transferred from the original creditor, XXXX XXXX XXXX, to the collection agency, XXXX. There is no date listed on the account of when the original contract with XXXX began. That date is XXXX XXXX, 2008. I have writtenExperian on numerous occasions to have them put this date on the account, and theyhave not done so. Please have them list this date as soon as you receive my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed with Experian about XXXX, and the result had come back with the word : Remains. 
I then contacted XXXX XXXX on XXXX/XXXX/15, which they could n't verify any of the information on this account, then they said, they 'll contact the credit reporting company to update the information. 30 days later, nothing happen, I disputed it again with Experian, and the result is still Remains as of XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the past 14 months Selene Finance has not been accurately reporting payments they have received. We have been paying them on time every month, and they have been sending delinquency notices to each credit bureau. They also claim that we owe XXXX dollars when in fact they are holding it in a suspense account and are not applying the funds the way they should. When we call them to rectify the situation, which are monthly calls, we are told it will be 30 days before we see the problem has been corrected. 30 days has come and gone 10 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian has failed to correct information in my credit report pertaining to XXXX XXXX XXXX. I have submitted disputes in several occassions along with documents to that sustains my disputes with no avail.

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 2016-06-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never done business with this company or had a debt sold to this company. I have requested multiple times to have it removed from my report and submitted documentation showing it should n't belong to me but received a statement stating they will conduct no further investigation.

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 2015-12-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for housing a car ), which was highly embarrassing and has negatively impacted my lifestyle. 
( optional ) With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed as soon as possible. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Account /cell number XXXX delete the above information as quickly as possible. 
Sincerely, XXXX XXXXYour NameSSN # ***********

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: TX
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 removed XXXX  off my credit report I filed the same thing wit XXXX  and eqifax but they havent removed those negative nor fraudulent claims off of there they just keep updating the wrong information wit the right information and dragging my credit if the accounts are closed due to fraudulent why they wont remove them its not fair that Im a victim of fraud and identity theft and nobody cares Im trying to get this removed or help on how I done gave them police report number and all

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed this item several times XXXX XXXX XXXX XXXX This account has a XXXX that is past 7 years old. Experian is violating my rights and violating the FCRA laws. Please help assist me with this complaint. My next action if not resolved will be contact my local State Attorney Generals office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
U.S Postal Certified Mail No : XXXX, FL XXXXCc : ExperianXXXX XXXX. TX XXXX. GA XXXX. P A XXXXXXXX, 2015RE : XXXXREQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Florida Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: Echelon Financial, Inc.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This all started on XXXX. A Company called My Score took money out of my bank account for something that I did n't order. How they got my # I do not know. So I went to my bank and cancelled my debit card. I then called them and cancelled what ever. They said my money would be back on my account in XXXX 5 days. This happened XXXX 5 times and when I got my new card, they hit it again. After 11 phone calls, I finally got an address where to write them at. Same old you 'll have your money in XXXX 5 days. After I wrote and got no reply, I contacted the XXXX. They said they would look into it and if I did n't get a reply to contact you. It was n't so much the money. Only {$79.00}, but it caused XXXX overdrafts on my account. That was another {$72.00}. The Company I wrote to was Golden Score LLC, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Ph. # XXXX. Maybe that will do it. Very Respectfully. XXXX XXXX XXXX XXXXXXXXXXXX Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-03
Company: Amsher Collection Services, Inc.
State: NY
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:
well i paid everything i owed in XXXX and then i left the line and i called the next day and they told me my balance was {$0.00} after 2 months they send me a letter and telling me u own {$620.00} and i wanted to know why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received the response to my prior complaint ( XXXX ) and after reviewing the documents the status of my complaint remain the same. Selene Finance sent the XXXX set of loan modification documents with changes to a few pages. The XXXX set were clearly the ones that were never sent out because not only did the dates reflect it Selene Finance did n't take the time research the title/deed to show XXXX XXXX was no longer listed on the property. The second set of documents that were sent only changed the first page without making all of the changes. The third set reiterates what is obvious about XXXX XXXX. There is no need to mention XXXX XXXX in any of the documents! I have made it clear that XXXX XXXX is no longer affiliated with this property which is something that Selene Finance should have known before they sent out any paperwork. The documents are still reflecting XXXX with the XXXX payment being due XXXX XXXX. I attempted to contacted Selene Finance several times ... the line is always busy! After not being able to reach anyone I returned the entire package to Selene Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Amsher Collection Services, Inc.
State: RI
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:
Purchased hot spot device for Internet service.Was never able to get signal because of my location.Company said they would send " booster '' to help. Still had problems. When I payed bill I found out from sales rep my location should have been checked before selling me device. I have moved and can not find " boosters '' that I was never told had to be returned. Company billing me XXXX. When I spoke to someone ( in XXXX! ) they assured me matter would be taken care of. Recently applied for a loan and was denied because of this debt in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Well, they 've all come out of the woodwork since we 've filed chapter XXXX - XXXX ( atty for all ) ; XXXX, Selene Finance, XXXX. All trying to get a piece of the pie. As I 've informed you in prior correspondence, this mortgage was fraudulent from the " getgo ''. Charges on my mortgage statement were unverified ( i.e., no trustee ( non securitization from XX/XX/XXXX thru XX/XX/XXXX ), no deliverance of deed ; no title policy, and an impostor posing as the lawyer of record for closing ( a letter should be in your file from the closing atty reading he was not present at the closing and he denies the signature being his - FRAUD ). I 've tried over the years to explain these fraudulent acts to XXXX, Selene, and now XXXX ( though we have not received anything personally from XXXX and no Assignment is listed in the county clerk 's office. ) The only letter I received with anything to do with XXXX was a letter dtd XX/XX/XXXX XXXX, which I received last month - XX/XX/XXXX - copy of envelope attached ). As you can read on the letter, my address is erroneous ( XXXX ). They also have me address on another letter from XXXX, representing Loancare, dtd XX/XX/XXXX as my address being XXXX. I guess I reside at the courthouse. No wonder I had a visitor at my door trying to get in because she was told by XXXX or XXXX that the home was empty - LIARS. How can you turn acts that are illegal, and try to make them legal. Perhaps the courts turn a blind eye. We feel we should have been granted a " RESTRUCTURING '' of the Mortgage because of the numerous scratches & dents, yet these entities refuse to work with us. After XXXX duped us into a fraudulent Forbearance and scammed us into thinking we just might get the new payment, they ripped that rug from under us when at the end of it, demanded all monies, even though our situation had n't changed. Mind you, this Forbearance money we paid was deemed " unapplied '' and the fees just kept on coming. What a racket!! We wish we truly knew whom owned our Mortgage - they all send us that one page from the mortgage contract and a copy of the non-wet Note. I have attached letters from all three entities ( I believe XXXX is also probably an investor since he seems to represent them all ). XXXX tried to foreclose in XXXX ( when securitization actually took place ), to no avail ; then they tried again by substituting Selene ; but for some reason the court denied it. Btw, it was not an " arms-length '' transaction. These entities want to lay claim to collateral that none actually paid. Criminals. I guess Selene is trying to clean it all up. See you in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
EXPERIAN REFUSES TO RE-INVESTIGATE RE-AGED ACCTS ( PROOF UPLOADED ) EXPERIAN ALLOWS WITH IMPUNITY A CREDITOR TO RE-AGE ( PROOF ENCLOSED ) ITEM XXXX XXXX XXXX MUST LIST A DATE OF FIRST DELINQUENCY ON A CHARGED OFF XXXX DOFD IS XX/XX/XXXX ; THE DATE OF LAST PYMT IS XX/XX/XXXX. 
7 YEARS WILL EXPIRE FROM DOFD ON XX/XX/XXXX.CREDITOR MUST DELIVER COMPLETE ACCOUNT INFORMATION SO AS TO DETERMINE 7 YEARS AND PREVENT RE-AGING, AN ILLEGAL PRACTICE OF CREDITORS.EXPERIAN HAS A LEGAL DUTY TO NOT COLLUDE WITH CREDITOR IN RE-AGING BY DEMANDING COMPLETE INFO.FROM CREDITOR OR DELETING ACCT.THAT IS THE DUTY OF EXPERIAN ACCORDING TO FCRA. 
XXXX XXXX XXXX XXXX REPORTS ( # XXXX ) AS A COLLECTION IN XXXX XXXX, REPORTS PAID CLOSED IN XX/XX/XXXX.THEIR PREVIOUS REPORT UPLOADED IN CFPB XXXX SHOWS A XX/XX/XXXX PAID IN FULL STATUS.THIS DENOTES RE-AGING. 
THE PROOF IS ON THE FACE OF THE RECORD, EXPERIAN MUST DELETE AS CREDITOR HAS VERIFIED XXXX DIFFERENT DATES THAT BOTH CAN NOT BE TRUE. 
IT IS AMPLE EVIDENCE OF RE-AGING.

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 2016-04-10
Company: The Law Offices of Daniel C. Consuegra
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
The Law Office of Daniel Consuegra XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX send me a document that looks like a COURT DOC with a case no. XXXX. XXXX XXXX XXXX XXXX XXXX sign the Document that apparently is Civil Lawsuit. However, it does not have a stamp from the court or it is not even notarize. Furthermore, most of the document is not even completed. The document claims that my wages at the XXXX XXXX ( where I work ) are going to be garnishee. I research the company and they do collections. XXXX XXXX and the XXXX have a habit of going after people and try to collect debts using illegal tactics. The Lawsuit is in reference to a house I lost in Foreclosure back in the year 2010 located in XXXX Florida because I could not longer afford the mortgage. The Plaintiff mention on the document is XXXX XXXX. Please investigate XXXX of these companies and stop them from continuing doing this type of practice and intimidate people like me trying to rebuild my life after such a huge economical lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I closed the XXXX XXXX credit card after someone had changed the personal information ( Address, Login, and Password ) on the account. I paid a balance I had not charged just to get the card closed. XXXX XXXX accepted more charges after the card was closed and have sent it to collection. I have tried working with the collection agency, XXXX XXXX and Experian to no avail. They say that I lived at the Pennsylvania address the charges are attached to. I have never lived in Pennsylvania. You can see by the payment history reported to the credit bureau that everything was perfect to the date I closed the account, XX/XX/XXXX. They still reported the account in good standing for XX/XX/XXXX. Then " No Data '' for XX/XX/XXXX. Then it shows " Charged Off ''. There is no data for XX/XX/XXXX because the account was closed. The charges were incurred after the account was closed and XXXX XXXX, XXXX, and Experian refuse to correct the error and remove this from my credit report. Attached are the Investigation results and correspondence with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21
Company: POPULAR BANK
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
To my surprise, on XXXX XXXX, XXXX, I received a credit score alert stating that my account with Popular Community Bank was delinquent and that my payment was 90 days late. I have never made a late payment on my account with Popular Community Bank, actually, I usually pay off the balance on my account at the end of each billing statement. I have endorsed checks as proof that my payment was received by Popular Community Bank and processed by them on time. As a matter of fact, I sent 2 separate checks during the month of XXXX for my XXXX payment- the above account is in reference to this payment. I sent the first check in the amount {$3200.00} to pay the balance in full and the second check was a {$10.00} payment to avoid any additional fees. Although my first check was received on time, Popular Community Bank did not post it until weeks later and this mistake has drastically affected my credit score. I have spent more than 5 hours on the phone with Popular Community Bank trying to correct their mistake. I have been given the run around, and then told I need to speak with a bank supervisor, who is conveniently not available at the moment. I also emailed 2 different representatives during the months of XXXX and XXXX, and after speaking with them- with a copy of an endorsed check, nothing was done until XXXX XXXX, when in my XXXX Credit stated that the payment was received, but this check was endorsed by Popular Community Bank on XXXX XXXX, XXXX, ( please see attachment from bank ). This mistake has not been reversed with the credit bureau and is presently affecting my score, which I have always striven to keep impeccable. Every time I have called customer service I am spoken to in XXXX ; although, I have continually asked to be addressed in XXXX, the bank representatives still speak to me as if I am an ignorant immigrant. I believe if they address me in this matter, they are also taking advantage of other XXXX customers that may not have the same understanding/education as I have. I am fluent in XXXX and XXXX and I 'm perfectly able to understand the difference between customer service and plain disregard for important information. It is now, XXXX XXXX, and despite many phone calls and emails, this is still inaccurate on my credit report which has greatly affected my credit score. I have copies of all the emails, statements, checks, and reports. I have filed a complaint with XXXX because Popular Community Bank has failed to help me. Popular Community Bank needs to correct my credit score with XXXX, XXXX and XXXX I have attempted many times and spent countless, unnecessary hours trying to correct Popular Community Bank 's mistake- and yet they have failed to reverse it and restore my original credit score.

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 2016-03-24
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife is XXXX and I am XXXX years old ; we are forced to leave our home by XXXX XXXX, XXXX. The finance company that bought the mortgage has refused to refinance our mortgage ; they mislead us and dragged us along since XX/XX/XXXX. We have been requesting them to refinance the mortgage at the current market price since XX/XX/XXXX ; they played us and kept on asking us to provide paperwork package, we have done what they asked for approximately XXXX times and every time they led us to believe that they will refinance if we submit the paperwork. The only response we got from them, every time we submitted, is that the paperwork is not complete. They never said what was missing regardless to our repeated inquiry of what was missing - they never answer that. They asked us to resubmit again and again, but to no benefit. And now we are going to be on the street ( literally on the street ). My wife and I have always been hardworking couple and we are still working till now. Please allow me to emphasize once more, my wife is XXXX and I am XXXX. We both in good health. We bring in sufficient income to be able to keep our home if they give us our right to refinance the mortgage at the current market price. 
So please we need help ASAP - we will be thrown out of our home by XXXX XXXX, XXXX. 
We solicited legal assistance from an attorney, who also saw no reason for the finance company ( the mortgage holder ) not to refinance the loan and keep us in our home, which we lived in since XXXX. 
We urge your help ASAP - Please .. Please .. Please. 
Thank You,

Company response to consumer: Closed with explanation