BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: Ditech Financial LLC
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:
In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to Green Tree which is now DiTech. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, DiTech keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know Green Tree/DiTech had a case against them due to this very issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The following is in reference to a new complaint against " Shellpoint Mortgage '', as for the previous one was completed. I contacted their Loss Mitigation Department on XXXX XXXX, XXXX, and spoke with representative " XXXX XXXX '', in reference to the following matter : I requested a Release of Mortgage. This loan was discharged in Bankruptcy. The lien was extinguished when the property was foreclosed on XX/XX/XXXX. The account is closed. It needs to be updated as " Cease & Desist ''. I was advised by " XXXX XXXX '' that she would escalate this to the proper department, and to allow approximately 30 days for further review. Since I had not heard back from them, I decided to reach out to the Loss Mitigation Department again on XXXX XXXX, XXXX. I was then told they could not discuss anything with me, that I needed to have my attorney contact them. I explained I did n't have an attorney, nor should I have to retain one for this matter. They then proceeded to transfer my call to a " bankruptcy department '' with a voicemail, where I was unable to speak to a live representative. I have left numerous messages with no reply. As a result, I am left with no alternative other than to reach out to you again for assistance. I want to resolve this matter, so as to be able to purchase a home in the near future. I would appreciate your assistance. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i am sending paying to my mortgage company they keep returning it this is the second time stating i am 90 days behind while i am trying to resolve the problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: ESCALLATE, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount on mu credit report does not match what is owed. I was told that it does n't matter if it 's accurate and to " just pay my bills ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My demand for you to help me give all the info as to who you talked to just like the addresses and names of the person or persons approached has sadly not been satisfied. So now I am deliberating court action and also have established the operation of calling legal " aid ''. I'm inquiring for one last moment in which you still take me using the data that was previously asked and furthermore make sure deliver me with a duplicate of the contract agreed upon or voice dialogue where I documented charging me within this account. Otherwise, it's best to pull this out of my credit report in accordance with the Fair Credit Reporting Act and the Fair Credit Billing Act. Additionally, there is no name associated with this file & needs to be deleted due to inaccurate information. 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020 at XXXX XXXX I wire transferred XXXX from Goldman Sachs USA. I usually receive Them The Same Day, so when I checked back to find out why it was Delayed they said a jealous employee Reversed it trying to steal XXXX from me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Midland Funding to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: PA
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 called the creditor about these 2 accounts via telephone when i saw them pop up on my credit report to validate these debts..they could not do so ... .I disputed these accounts with the credit bureaus and they " verified '' them ... how can this be validated and verified with all of the incorrect reporting on the report? First off these are reporting as collections but they are reporting a past due, that is a violation. the dates of last active and dates of last reported are all inconsistent throughout all 3 credit bureaus ... .all of the comments are inconsistent as well through the 3 bureaus ... .the account type is inconsistent through all of the bureaus, there are multiple violations..there is no way that any of the 3 credit bureaus did an full and complete investigation when the reporting is totally inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have 3 accounts with Comenity Bank, XXXX, XXXX XXXX and XXXX. In 2018 when I paid off the balance for these cards after the payment posted my credit limit was dropped from {$300.00} to {$100.00} for XXXX and XXXX and from {$1600.00} to {$100.00} for XXXX. They eventually raised my XXXX limit back to {$700.00}. Once again, I paid the balances to {$0.00} and they dropped the limit o my XXXX account back to {$100.00} stating that I don't have a home loan account on my credit report. It seems that this is a discriminatory practice considering that I have been a long term customer and I paid the balance completely down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
transunion failed to properly in time investiagtae a complaint against a collection agency

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 2016-03-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am losing my home and thus will have a physical address and my credit card, American Express, requires one for my account. Apparently this is a requirement for the Patriot Act but if I do not have a physical address, I can not provide one. What do those of us without physical addresses do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: NJ
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Never received a bill from XXXX XXXX, XXXX, MD because when I signed up for XXXX mini box for my XXXX Tenant in my townhouse in XXXX XXXX, Md, I gave the XXXX Clerk my service address in XXXX XXXX and my home address in Florida to send the {$3.00} a month bill. I never received any bill ever. I was told that XXXX had been sendng the bill to my XXXX XXXX address ... this house has been a rental for past 40+ years. I have never lived there. XXXX told me that was their fault and they would take care of it. 
I later discovered all XXXX of my credit reports had a collections notice of {$180.00} balance I owed. I called XXXX many times and was assured this would be completely removed. I call the Credit Management collection company and told them what happened and also told them that I had never received any collection notice letter. One of their managers said they would removed it completely. I have called and complained many times to both XXXX and to Credit Management and the only thing was done was the {$180.00} was reported as Paid Collection and the Notice reporte as Closed. Neither of which does anything to totally remove this whole Collections Notice from all XXXX of my credit reports from XXXX, XXXX and XXXX XXXX. I was also told by Credit Management that under Federal Law I was entitled to get a written notice of the Notice having been filed against me, which I never did. Will you please help me get it removed from all XXXX credit reports as soon as possible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have, in all respectful ways, requested that these two accounts be reviewed ; and that all signed and binding contracts between XXXX and myself be put forward and produced and put in full exhibit before these credit reporting agencies to report truthfully and rightfully. 

1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. 2. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.

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 2017-05-22
Company: EQUIFAX, INC.
State: NY
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:
XXXX  foreclosed on my home in  2011 . I was part of a class action suit against them and received a very small amount of money as compensation. I have sent various letters to  XXXX  and to the  XXXX  major credit reporting companies.  XXXX  sent me back a letter stating they could not locate my account and asked that I provide them with validation information and copies of my credit report. I then sent a letter to  XXXX ,  XXXX , and Equifax -- disputing that  XXXX  could not validate my account.   XXXX   removed the foreclosure from my credit report.  XXXX  and Equifax have not.   Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Halsted Financial Services, LLC will call my cell numerous times daily. When I answer they immediately hang up. When I called back is when I found out who they are. 
I spoke to a person and he wanted the balance on an old account immediately. I explained I could n't do that and he began to berate me, saying things like, you owe the debt and telling me I was a child along with other rude and insulting responses. 
When I told him not to call my cell using a robot he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Activehours
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
This is a company that is an app that you download on your phone and you can borrow money. You can also earn money by making purchases and getting gas and things like that. I did in fact use their service a couple times this past year as I have used their service before over a couple years ago. I noticed that I was starting to have credits come into my account and then taken back out from them. I tried to contact them and the only way to get a hold of them is through their chat. I constantly ask them to delete my bank account information. And they told me they could not. I was told to just delete the app but deleting the app does not stop them from having access to my bank. 
They say they do not have phone communications in case they need screenshots and things. I contacted them to let them know that the activity that they were doing on my account was not authorized by me. They were ignoring what I was telling them so I ended up contacting my bank. My bank started a dispute and they actually credited me with a provisional credit the amount that Earnin had taken from me. During this process I have been continuously contacting Earnin through the chat and I finally got them to contact me through email. But half the time they do not respond properly to what you were saying because youre basically talking to a robot. 
The responses to the chat and through the email seem robotic. I have taken screenshots of most of our conversations once I realize things were not going my way. I told them many times I felt they were they were being fraudulent and that I was going to report them. 
They just were not responsive to what I was telling them. They were telling me that any charges me to my account had to have been my fault. 
Now today I received a letter from my bank telling me I needed to provide proof that I attempted to cancel with Earnin because they manage to somehow create a spreadsheet showing credits and debits from them. Of course there are credits and debits from them but that does not mean that I did those. I feel like somebody at the company is somehow making extra money doing credits and debits from peoples accounts. The spreadsheet earnings sent to my bank looks like something anybody could type up. Theres no heading theres no anything that would really prove that I did those transactions. So now Im concerned that my bank is going to deny my initial claim and make me give back all that money meaning I am now out money twice because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a thirty year fixed mortgage with Shellpoint. XX/XX/2015, mortgage payment increased from XXXX to XXXX. Payment was increased due to increase in escrow amount. When I refinanced the loan I was given the option of palcing any increased escrow amount to the back end of the loan.That is how I wanted the icrease in escrow to be addressed.They are also charging a XXXX service fee for processing my payment through XXXX XXXX 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 2015-06-12
Company: Mel S. Harris and Associates, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Last year of XXXX - i got a letter from my bank XXXX XXXX XXXX. They said that a debt collection agency who is called XXXX law firm. XXXX said they can not allow the garnish because I receive Social Security XXXX. In the packet I got. I had to fill out my situation and mail it in. I thought and my bank said. you, wont be contacted again, and do n't be nervous or have your issues flare up. 

This year of XXXX XXXX i get a call from a lady named XXXX XXXX she wont give her last name. She said when am I gon na pay this debt i owe. I asked her can you send me proof I owe you money. she said, she sent it, and I dont have to give it to you again. she said once i get a lawsuit and default judgement on you. I can keep calling all I want, in attempt to collect the debt. Her Company XXXX - again tried to freeze/garnish my account. 

Again I called and got the same lady XXXX. She knew my voice and said are you ready to pay up. I said I would like to know the server that issued me a court hearing. As I never got XXXX at all. she told me i dont have to, and your credit reports will damaged for 20 years until said debt is paid off. when i asked her can yyou send me the verification of the debt. She hung up. 

besides the original frozen/cease of my accounts in XX/XX/XXXX no letters. I checked my local court and yes they got a default judgement on me. From some company called XXXX XXXX XXXX. since XXXX. it wil be a treck to get there. but i will try it some how.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: SYNCHRONY FINANCIAL
State: NJ
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 or about XX/XX/2020 my Master Card was charged for a purchase I did not make or receive. my card was charged for {$60.00} by Paypal. I contacted Paypal serveral times and they would not send me any information concerning the transaction, i.e. what was purchased, proof that I ordered the item or proof of delivery. I applied for a refund but they denied my request two times. When I called to inquire about more information they would not take my call or make any attempt to give me the information I requested.

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 monetary relief