BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: Experian Information Solutions Inc.
State: MN
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:
There is an inaccurate late payment on my credit report as a result of fraud charges on my credit card, I have never been late on payments however it is reporting on the credit report. I contacted XXXX fraud dept and they said they are not reporting the late payments and to dispute it with the credit bureaus, I have done that for the past year and nothing has changed. 


XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA Credit limit or original amount {$500.00} High balance {$6100.00} Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees. 
Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My husband, who died on XXXX XXXX, XXXX, took out a home equity line of credit which was used to back the mortgage on a cabin. The loan became due on XXXX, XXXX, XXXX. This loan was executed prior to our marriage and I am not on any of the title documents. However, I have in good faith paid the monthly interest, maintained the property, and worked diligently with a realtor to try and sell the property ; which is underwater by approximately XXXX XXXX dollars. I hired an attorney hired to represent me as no one was in the bank mortgage department would interact with me, other than through past due notices and written requests to provide letter of testamentary. In the meantime, several cash offers have been made on the property, after 2 1/2 years of no offers, and the bank has still not responded as to their intention. I am now receiving monthly past due notices and no one from the bank has contact either myself or my lawyer.

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 2016-07-01
Company: CITIBANK, N.A.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a checking account promotional offer with Citibank to earn XXXX XXXX XXXX miles after meeting certain criteria. I was told these points would post to my account at the end of my XX/XX/XXXX statement cycle ; they did not. I 've contacted Citibank on multiple occasions with confirmation that the points would be posted within 5-7 business days. My first call was XX/XX/XXXX -- they asked for my AAdvantage account number, and I have provided it to them multiple times ; it has now been approximately one month. I am frustrated that I met the specified criteria, and I have been paying my monthly fees for the checking account, but Citibank has not honored their word by way of applying their promised XXXX XXXX points to my account like they have told me they would multiple times.

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 2016-08-27
Company: Revenue Assistance Corporation dba Revenue Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I repeatedly get phone calls from Revenue Group. they ask for my our son, who does not live here. There is no way to tell them to stop calling, it is an automated call. I called the number back to speak with them and in the middle of my sentence, they hung up on me. I want them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My brother and his wife had a mortgage with Ditech Financial LLC. On XXXX XXXX, 2016 they both were XXXX at their home. There are no children, no will, and no money. Despite having provided Ditech with copies of their death certificates, Ditech continues to send form letters addressed to them. I have sent several letters to them asking them to stop. The last letter from Ditech was addressed to my deceased brother telling him they are sorry for his loss and explaining what his spouse needs to do to get information on the account. There are times when form letters are useful and other times when they are inappropriate and hurtful. When I called Ditech a customer representative told me they are " required by law '' to send these communications. While that may be the case, they need to acknowledge the obvious truth in this situation : their customers are both DEAD and there is neither a will nor any surviving children.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We became aware of your recent settlement with XXXX XXXX solution where we had attempted a loan modification. When I contacted them today to inquire about your deferred balance we were told that our loan has been sold to another lender DieTech. And DieTech folks are still reporting the deferred balance that was subject to the loan modification ( see attached ). We would like CFPB '' s help in working with DieTech to 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 2022-01-31
Company: Shellpoint Partners, LLC
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: Investigation took more than 30 days

Complaint:
XXXX My name is XXXX XXXX loan number XXXX, Shellpoint Motrgaging Service, XXXX XXXX XXXX, XXXX OH XXXX I was unfortunately affected by covid and was forced to skip my mortgage payments during the pandemic. I have been hospitalized and am unable to work during the pandemic and suffered from many long-haul covid symptoms. Once my forbearance period ended, I was told that I needed to make XXXX trial payments in XXXX, XXXX, and XXXX of XXXX. I even made XXXX payment on XXXX of XXXX. 

I made these XXXX payments on time and was given a new loan modification. The following is a direct quote from XXXX XXXX passed by the US Congress stating that one 's account is supposed to be reported as " current '' to the credit bureaus. 

" If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account.  '' XXXX XXXX XXXXXXXX Shellpoint is breaking the law and reporting me as more than 120 days past due, despite the fact that I have made XXXX payments in a row as they have requested. 
My first request is that they immediately fix this error and report me to the XXXX credit bureaus as the current which is in accordance with US law. 

My second request is that Shellpoint lowers my monthly payment. Before the pandemic, I was paying {$2000.00} per month and had XXXX  years left on my mortgage. 

The new terms that I was sent are requesting that I now pay {$2100.00} for 40 years. 
Shellpoint has raised my monthly payment and added XXXX  years to my previous payment. 

XXXX  years of an extra {$2100.00} per month will result in {$420000.00} of money owed. 
This loan modification was meant to help consumers, not hurt them. 

In such a case when my monthly mortgage amount increases and the years increase as well. I need to have a lower fixed interest to make this situation surmountable. I have a family of XXXX and do not want to lose my home. 

Please do all that you can to help my situation. 

XXXX bless you, XXXX XXXX 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 2016-04-11
Company: ECMC GROUP, INC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
spoke with Premiere collection agency -spoke with XXXX XXXX -a representative who claimed that was her name. She was very rude and also hung up on me. This is not proper servicing of student loans and a consumer should never be hung up on. This representative should go back to training and learn how to properly service student loan consumers per the dept. of education Statement of Work. They have sent documentation to my representative and now state that they can not speak with them. This is holding up my process for resolution and causing more financial hardship. This agency does not deserve to be working student loans.

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 2015-12-12
Company: Ditech Financial LLC
State: WY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
my mortgage with Green Tree as the servicer got foreclosed on in XXXX at XXXX sale then I got a satisfaction of mortgage in XXXX from Green Tree Servicing LLC before the redemption time was up. Then in XXXX. I received from Ditech Financial LLC that my terms of my Account Modification Agreement my interest rate is to change and my payments start on XXXX/XXXX/XXXX also received the same notice for my ex wife that had nothing to do with my mortgage loan I took it out to pay her off in the divorce. then on XXXX XXXX I was served with NOTICE TO QUIT LEAVE AND VACATE then with a COMPLAINT FOR FORCIBLE ENTRY AND DETAINER from XXXX XXXX MORTGAGE XXXX then I went to court today XXXX of XXXX plaintiff appeared by phone I did not have a lawyer and I had all the paperwork and a witness but I lost in court. I have been protesting the foreclosure way before it went to sheriff sale because of misused escrow funds and harsh collection tactics missing payments over paid insurance modifications not recorded broken chain of title and fraudulent foreclosing methods. my mortgage was assigned to MERS when I took it out in XXXX then assigned Green Tree Servicing LLC in XXXX as recorded to XXXX XXXX clerk but I made payments to XXXX Mortgage then XXXX loan Servicing that were not recorded also my satisfaction of mortgage is signed by someone that works for Green Tree Servicing LLC as assistant secretary for MERS the same on assignment of mortgage to Green Tree Servicing. I 'm still in my house but if I ca n't get it stopped FORCIBLE ENTRY AND DETAINER will be in three business days is there anything you can help me with? XXXX XXXX MORTGAGE XXXX is not on any of the recorded documents before foreclosure not until after I got satisfaction of mortgage from the XXXX clerk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Risecredit, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I noticed on my latest credit report a collection account from this company but as of XXXX XXXX I have n't received any communication or verification of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2016-11-26
Company: JPMORGAN CHASE & CO.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase posted charges to my account in a way to maximize the overdraft fees they charge. I 've personally witnessed this happen several times before with various merchants so I know this is n't a coincidence especially with other customers online who 've shared the same experience. The lower cost items should be charged first and not re-ordered after the fact. XXXX charged me before XXXX did and at the time it overdrafted me by a few dollars so I made a deposit to cover the charge by XXXX to avoid the fee. The charge was only {$5.00} and after my deposit I had more than enough to cover the charge. The same day and a few hours later XXXX charged me but that is n't what is reflected on my statement. It shows the XXXX charge being posted first which costs more than the amount that was available so it took the money I had deposited for XXXX resulting in a fee and then the XXXX got charged again so that also took a fee. I never got a notification from the Chase mobile app about the XXXX charge happening and I have overdraft protection on. I think this is predatory on behalf of Chase as i stated before it happens all the time and when I do overdraft the fees always snowball because Chase WILL post the larger charges first even if that was n't what popped up in recent activity first which should be ILLEGAL. The only explanation I was given was to start a check registar but I do n't even write checks. I guess I 'm not supposed to trust the Chase bank statement?? Furthermore it is my belief that Chase is purposefully posting charges to my account when I 'm low on funds to maximize the fees. The XXXX charge was done a few days prior but it can be taken out whenever. I 'm sure something in their system shows that pending in that waiting period for it finally show up in my bank account. I have money for the charge in another bank account as I do n't trust Chase with my money anymore so I rely on their notifications to be sent to alert me when they feel like taking money out. This is unacceptable and I will NOT back down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I'm disputing on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
I've tried submitting my documents several times but the bureaus seem to be ignoring my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I'm disputing on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
I've tried submitting my documents several times but the bureaus seem to be ignoring my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02
Company: Accelerated Financial Solutions, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX, I received my credit report from XXXX. On XX/XX/XXXX, Transunion opened a dispute I had with Accelerated Financial Solution aka/ AFS. On XX/XX/XXXX, I received a response from XXXX showing both accounts with AFS were verified, no change. Total amount supposedly owed on XXXX accounts totaling {$690.00} account # 's XXXX & XXXX. 
On XX/XX/XXXX, I submitted another dispute claim with XXXX stating again I had no knowledge of this debt and did not owe them any money. Furthermore, why would a business make XXXX separate loans at different times totaling {$690.00} when the XXXX loan was n't paid. I have no idea when these loans were initially opened. Also, I made a request to cease and desist any further collection action. 
On XX/XX/XXXX, I received a response from XXXX which state the exact same comments from XXXX, verified, no change. Their correspondence dated XX/XX/XXXX. 
I received XXXX collection letters from AFS dated XX/XX/XXXX in which there advised me of the debt and I had 30 days to dispute the debt. It also showed on their letters accounts were purchased from XXXX XXXX XXXX. Prior to their letters I had received no collection correspondence or phone calls from either business. 
On XX/XX/XXXX, I contacted AFS and spoke with a person named XXXX @ XXXX. I explained my contacts with XXXX and my dispute with his business. He seemed very unconcerned and kind of smart attitude. Told him I was going to sue for harassment infringing on my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22
Company: Automatic Data Processing, Inc.
State: TN
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have a ADP TotalPay card for my paycheck that is direct deposited every week. I used my card on XXXX/XXXX/2016 to pay {$20.00} to XXXX on my credit card bill and I had a larger balance showing that the payment was received. The payment posted within 48 hours but I tried to use my credit card on XXXX/XXXX/2016 and it was declined. I came home and pulled up transactions and it shows that the payment was returned. I called XXXX and they told me that the payment was not sent from my financial institution. I puledl up the transaction history on ADP and there is no record of this transaction at all, not even showing it was declined, let alone going through. I checked the payment history on XXXX and the payment posted on XXXX/XXXX/2016 from XXXX XXXX Bank with confirmation number of # XXXX but ADP is saying there is no transaction for this date. I was on the phone for about 3 hours trying to get it resolved and all they told me was they have to investigate it and it will take 1-5 business days to find my {$20.00}. I am extremely irate at this point ... it did n't take them 1-5 business days to not send my payment. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please be advised that this is my SECOND WRITTEN REQUEST for them to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly.

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the verification like I asked?

As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ).

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
Creditor 1 : XXXX XXXX XXXX  * Please remove all non-account holding inquiries over 30 days old. Also and place a suppression on my credit.

Company response to consumer: Closed with explanation