BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX creditors reporting on my credit reports XXXX, Experian. Target and XXXX XXXX. I disputed these companies as fraudulent since discovering in XXXX or XXXX. Even though these were not my debts they refused to remove. They have had these on my credit reports 9 or 10 years which they should have been removed any ways. But what they the companies keep doing is going in and updating the date opened, which is fraud. They went and said XXXX or XXXX as opened when again, I have been battling this since XXXX or XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent a method of validation letter to Experian regarding an account that is listed on my credit report. The letter that I sent to Experian is attached. Experian did not answer the questions in my letter and has n't removed the account from my credit report. Experian sent me a copy of my credit report. If they are unable to properly respond to my letter the account should be immediately removed from 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 2016-10-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have not been able to file a complaint with them. The telephone numbers they supply are automated that try to sell you products with an endless loop of sales pitches. Here is the number Experian supplied XXXX. Call the number and see for yourself. I was unable to get a online copy of my credit report from them last year and also this year. Two years in a row.

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 2015-06-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am a victim of Identity theft. I went to rent a condo and on my credit report showed a EVICTION that I never had, the person also went to court using my name and a judgement was settled against me. I did go to the police and the individual was arrested. I did flag my credit now what do i do to take it off my record. I cant rent anywhere with that on my record..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$12000.00}, {$9000.00}, {$3900.00}, {$0.00}, {$960.00}, {$18000.00}, {$4900.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 

4. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

5. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

9. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX XXXX XXXX reported the balance incorrect on my credit card which is causing a negative score against me. Please have XXXX XXXX XXXX XXXX XXXX correct the matter.

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 2015-04-06
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Home Loans took over the servicing of XXXX called XXXX XXXX, XXXX, from XXXX XXXX XXXX. XXXX XXXX, XXXX filed for bankruptcy on XX/XX/XXXX, got out of it and case was closed on XXXX. Caliber refuse adamantly to send 'Payment History ' refuse to send 'Escrow accounting ' but request that XXXX send about {$6000.00} without any justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: CITIBANK, N.A.
State: TX
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:
I have supplied Citibank with all evidence of the Identity Theft, Gift Card Fraud and Payment Fraud that has been transacted on my XXXX XXXX and XXXX XXXX XXXX. All fraud charges have been re-added to my accounts though they were moved off and then on by several people in different groups without the proper documentation or or even access to each others notes. This has made this very stressful and I have sent in all evidence over 20 times now. Now the Executive Credit Unit is involved and they added everything back to both cards which is not only incorrect but based upon very poor work and communication, save three employees, in the past. The only reason I had this forwarded to the executive unit is because the accounts were closed and for no good reason other than bad information gathering techniques, bad notes and incomplete understanding of the truth which I have proved is a Fraudster ( s ).

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 2015-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX XXXX Home Equity Line of Credit account was removed from my credit report. I paid this joint account of {$120000.00} off, and received the Full Reconveyance, after my husband passed away. 

My home of 14 years was unlawfully taken and taken and sold by a court appointed receiver ( XXXX XXXX XXXX, President of the Probate Referees Association ) who intentionally disregarded/ignored the facts. 

I am the spouse in a community property state, and sole beneficiary of the J. XXXX XXXX XXXX XXXX, which held 100 % of my home. 

XXXX XXXX XXXX was assigned to Civil Case # SCVSS XXXX and Probate Case # SPRSS XXXX. XXXX XXXX XXXX disqualified self, and then ordered the destruction of the exhibits. Attorney XXXX XXXX filed my husbands XXXX XXXX XXXX XXXX XXXX for XXXX, and then it simply disappeared. 

I paid our XXXX XXXX XXXX XXXX XXXX loan in full and received the Deed of Reconveyance, but this fact was also disregarded/ignored. 

Any assistance is truly appreciated. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Caliber Home Loans, Inc.
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Two plus years ago my mortgage company took out an insurance policy on my home when I already had one, then in short subsequently changed my payment amount monthly during a 2 year stint to try and correct this issue. Hence every time I tried to pay my mortgage it was never the correct amount and they would mark me as late. It took me two years to get someone to finally look into this issue. once done, they agreed with my but still refused to correct the damage they had done to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
our home loan was sold from other finance company in Florida to Caliber Home Loans. Attempted to contact on Website, phone, email and through our online account unable to obtain or speak to anyone. No loan activity nor payment for our mortgage has been taken out for XX/XX/2016. Upon checking reviews this company has a history of not returning calls, not receiving payments and filing foreclosures on the proprieties, we are in fear that this is going to occur with our property. Complaints have recently been flied on this company for the same reasons as related above

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing continues to service the mortgage account in error. On XX/XX/2021, Shellpoint Mortgage Statement showed the amount due {$690.00}. The payment was sent to Shellpoint on XX/XX/2021, in the amount of {$840.00}. An overpayment of {$140.00}. What did Shellpoint do with this money? 

XX/XX/2021, Shellpoint Mortgage Statement showed the amount due {$1200.00}, adding fees, of {$150.00} and Past Unpaid Amount of {$260.00}, with no explanation. The regular payment amount is {$840.00}, I sent two payments to Shellpoint on XX/XX/2021, one for {$860.00} and the other for {$850.00}, accidentally. Total payment to Shellpoint for XX/XX/2021, for {$1700.00}. What is the explanation for the fees and past unpaid amounts totaling {$410.00}? 

For XX/XX/2021, the Shellpoint Mortgage Statement showed the amount due {$420.00}. It appeared Shellpoint credited both payments leaving a balance for the next month of {$420.00}. I sent a payment to Shellpoint on XX/XX/2021, for {$440.00}. An overpayment of {$19.00}. What did Shellpoint do with this overpayment money? 

As of XX/XX/2021, the Shellpoint Mortgage Statement shows the amount due of {$1200.00}. They state a past unpaid amount of {$420.00}, which is a loan servicing error. My bank records are clear and prove payments for each mortgage month were either paid in full or overpayment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter by mail on XXXX XXXX 2015, stating that I owed XXXX XXXX. I do n't know why it went into collections, since I was making payments to XXXX. After I read the letter saying that my payments were to be XXXX dollars a month I concurred. I started making payments immediately. I paid XXXX dollars in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. Then I get a call from WWR Law firm stating that my bank account had insufficient funds, which is not true I replied. They said that they spoke with the banks representitive and when I asked them if they have a confirmation number from that bank they said yes and read a false confirmation number because the number was from my receipt of payment that I had made to them. We hung up and I called my bank and asked them if they got a call from WWR law firm and they said that there was no record of them in the system for calling. I told the bank what the law firm said and they said that I do have sufficient funds for the payments I made, but that there is no record of a charge on my account. When I tried calling the law firm back they did n't pick up the phone and I did call several times that day. I then filed a complaint with the FTC. Then i received XXXX letters from WWR Law firm stating to pay the full balance of XXXX. So then I thougt oh they took out at least XXXX from my account. But when i checked they did not. So I went to the website " wwrepay.com '' to make a payment, but the website gave me a different amount XXXX I need help. I want to pay my debts but this law firm is making it very difficult as they are lying to me. I am a very honest person and respect the law., but This firm seems to be a little dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I issued a complaint against XXXX XXXX about the title transfer of my mortgage and not being informed of a foreclosure. XXXX has contacted me and stated they can remove the foreclosure from my records with proof of improper title transfer and supporting court cases. These have been sent to XXXX. My loan was sold from XXXX to Caliber Home Loans when they never legally had the title to actually transfer. This is to inform Caliber Home Loans of the incorrect foreclosure they have on record on my name. 
Here is what was relayed to XXXX Bank as to the issue : The title of my loan was not transferred from XXXX XXXX to XXXX until XXXX XXXX, XXXX, which is attached to this fax from XXXX County Clerk. I also have all other amendments that were filed with the court, NOT INCLUDING foreclosure proceedings. This is when foreclosure proceedings supposedly began against me but I was never given written notice of this. 
According to multiple court cases, the title transfer was incorrectly done and should not have been transferred in XXXX when foreclosure proceedings began without my knowledge. XXXX XXXX did not have proper rights to the title of my loan. It was not assigned to XXXX XXXX according to the trust agreement. This gives plausible inference that the assignment was improper. I am not looking to get my home back or for any financial reimbursement. I just want to get the foreclosure removed from my name. 
After much research, there are a tremendous amount of court cases that state this exact thing happened to them and were rewarded for their damages. You could also refer to a website called XXXX, which directly addresses issues with XXXX XXXX and XXXX deceiving homeowners during the time I was foreclosed upon. 
Four years after pledging to clean up wide-ranging foreclosure abuses, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX other banks still are n't complying with consent orders imposed by a federal regulator, reported the XXXX XXXX XXXX ( XXXX XXXX, XXXX ). As a result, the Office of the Comptroller of the Currency has restricted mortgage servicing operations at XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. 
Banking regulators obtained the consent orders in XXXX in response to scandals involving the robo-signing of foreclosure documents by token officials without knowledge of the facts, lost paperwork, illegal fees, and other legal shortcuts that became common after the mortgage meltdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I called Calliber customer care department XXXX and spoke with XXXX. To my surprise, he said that XXXX XXXX 's modification was denied for missing documents. He also said they had not received documents since XXXX, which is untrue. 
The servicer has a complete modification package. I spoke to a rep on XXXX and they requested a Profit and Loss as the last piece of documentation needed to reach a decision. Yet XXXX stated on XXXX the document was never received which was sent via email on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2021 I paid off my entire account balance with Lane Bryant Comeninty Bank. The billing cycle for the month ends on XX/XX/XXXX. I was charged interest on a zero balance account. Then on XXXX XXXX I was sent a letter stating they were reducing my account balance to {$400.00} from {$1000.00} claiming that my credit scores had dropped significantly. However, I know this to be a lie as I paid off {$6500.00} in credit card debt in XXXX and my credit scores, across all three bureaus, increased higher than when I was first granted credit with Comeninty and higher than when Comeninty raised by credit limit from {$300.00} to {$1000.00}. 

This is not the first time that Comeninty has penalized me for paying off my balance. The same thing happened when they used to have the XXXX credit card. Please do something about this practice. Consumers are supposed to pay off their debts yet when we do, we are being punished by being lied to and charged interest on XXXX balance accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I started receiving calls daily, sometimes several times a day, from Quicken loans about a refinance. Today, I received an e-mail that is quite deceptive, requesting my income documents : 2015 XXXX and a recent paystub within 30 days. The email message was titles " Quicken Loans Message : Loan File - Legal Questions and Docs Needed '' It sounds like if I do n't do this I am going to be in trouble or have some negative consequence on my existing account. It also at the end says " Once I get these, I will be able to send everything out to your MyQL account, where we can go over everything and e-sign documents. '' Never once in this email does it indicate that this is to apply for a refinance or change any of the parameters of my existing mortgage. For unsavvy consumers, this is a deceptive process made to appear that this information is necessary to update existing mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Metro Collection Service Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When i turned XXXX my father had to put me on the lease from the apartments he rented from which was XX/XX/XXXX At the time i didnt have a job so he was paying everything and he started to get depressed and did n't want to work so i moved with my grandma. Well he ended up getting evicted so there was about XXXX that he owed. I got a job XX/XX/XXXX and have been working at the same job til now so i got a letter saying i needed to attend court for the eviction and pay the amount due and i had no idea what was going on! After asking my dad he ended up going with me and they told him to pay XXXX a month and they wo n't garnish my checks. After two months he stopped paying so i started getting garnished! After a while the garnishments stopped and i figured i paid it off but one day i looked at my credit report and seen that the garnishment was still on there so i gave the collection agency a call and the man said i quit my job which is how the garnishment stopped i told him i been working here for 4 years and i didnt quit so he than asked if i had the money to pay the full amount and i said no but how much do i owe? And he stated the full amount and what i paid which is XXXX so left over was XXXX but he added 8 % interest so i owed XXXX and he said that well unfortunately there 's nothing we can do about the interest and I was like why not you 're the one that stopped garnishing me it 's not like I quit my job or refuse to pay you guys so I said i didnt know that i owed money and he said well we sent it to ur dad and i said well he didnt get it either and he said yu expect me to believe the guy who wont even help yu pay this collection? I was like yea i do cuz i been paying it up until yu guys did n't send the paperwork to my employer and he said it wasnt his job to send the paperwork to my employer and if he sent it to my dads house than that is my job to do! So i finally got a letter XX/XX/XXXX with more interest for XXXX which he added more interest to

Company response to consumer: Closed with explanation