BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-21
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX/XXXX/2017, Persolve has been hassling my work phone and mobile phone with daily calls saying that they are a debt collector and I have a debt to settle. The message wants me to call the number provide XXXX. I refuse to call the number provided as they will request for sensitive information that I will not give over the phone to an unknown company. 
I do not have any overdue debt that has been sent to the collectors. I have my credit frozen therefore would get notified of any suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
We operate multiple businesses and receive several fund options for cash advance, account receivable, term loans, etc because of our strong credit file. The offers demonstrate preapproved deals and some even come with a card and check. I call them and I ask them specific question to avoid any middle broker taking my critical financial information to multiple other companies that may or may not be direct lenders " ARE YOU A DIRECT LENDER AND IS THIS YOUR OWN FUND? ''. I specifically asked them to confirm that they are a direct lender. I will not seek credit from a broker as we have been burnt in the past by fraud. Also, these brokers share my application. I found out that there is a website called XXXX leads and the brokers have found out about my application and shared it among others. There were XXXX inquiries submitted against my Experian credit file by several banks repeatedly in a few days that I have not applied for credit with them and I am not even familiar with them. These brokers lied that they are direct lender and never obtained my approval to run my personal credit. My credit file is now abused by XXXX hard inquiries that I do not even know who initiated them. I want these fraudulent inquiries removed from my personal Credit file urgently as it is impacting my clean and strong credit history. 

Unfortunately it seems that they easily lied and produced my financial information to multiple other companies accessing my personal credit report with a Hard Inquiry. I was scammed with almost XXXX hard pulls almost destroying my credit file. 

I have also more specifically asked them prior to running my credit I must see their type of offer to make sure the type of the loan product is acceptable to our company. 

I have frozen my credit file as I can not tolerate these liar brokers that are all over the country introducing themselves as direct lender or having exclusive relationship. 

I am seeking your help to remove the disputed fraudulent inquiries below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I just spoke with a representative from Shellpoint Mortgage loss mitigation today on XX/XX/22 at XXXX EST. I was on a COVID forbearance plan, and I am able to resume payments. I was told that this would not be acceptable, as I used the maximum forbearance time, and I would need to pay 4 months at once. My understanding is that this is not what the law said. If I had been told 4 months ago this would be the case, I would have found a way to make the payments work. This seems predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Caneel Capital, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My client received a good by letter from a Trinity Financial Service. His loan is originally with XXXX. When we contacted XXXX they confirmed the loan had not been sold the loan and the letter received seems to be a scam. Please see attached the good by letter from Trinity financial Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Went to XXXX for my free credit report. Clicked on Transunion report ; got an error message saying I already received one this year. That is not true. I had my credit report file right in front of me to make sure I pulled the correct one. The most recent Transunion was pulled in 2012 by my attorney 's office using their software interface. 
So I was really XXXX when the next screen from TU was a " come-on '' to sell me my free credit report so I clipped that screen to OneNote to upload with this complaint. I XXXX this issue and learned that TU has been running this bait & switch for quite awhile. Is Transunion ever going to be slapped down for this? How about a swarm of locusts, or better yet a swarm of auditors & investigators from Treasury & Justice to poke around awhile. Nothing but a license to steal, or maybe XXXX from XXXX services got a new gig?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card
Issue: Other

Complaint:
I had a credit card account with XXXX, but due to unfair practices I discontinued services and the card was charged off. Once charged off I never made any contact with the collection company 's that somehow bought debt that was charged off. Midland Funding is reporting inaccurate information- I 've never spoken with them or updated anything. I requested full validation including original documentation with my signature. This is the second collection company who has touched this account reporting inaccurate information i.e. the total amount due and reporting/update dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax explaining that I was sending this identity theft because someone was attempting to open accounts in my name they did nothing but continue to report the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: JPMORGAN CHASE & CO.
State: IL
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. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Experian Information Solutions 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:
In XX/XX/XXXX, I notified the 3 credit bureaus of fraudulent activities on my credit report and have been ignored. I've complied with what they asked of me. I consulted an Attorney that advised me, if I find a discrepancy and the credit bureaus willfully ignores your request to delete the error, you can recover the greater of your damages or {$2500.00}. My next step in filing for damages.

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 2020-01-16
Company: EQUIFAX, INC.
State: PA
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:
I have tried multiple times unsuccessfully to have the reporting of my student loans corrected at all three credit agencies. In response to my inquiries I receive form letters denying this correction. There are 12 separate listings, some are repeats of same loan, on each report of Equifax, XXXX, and XXXX.

Each contains multiple errors such as listed as still open and 120 days past due even though paid in full in XX/XX/XXXX, amounts incorrect, status incorrect marked as open when closed and multiple are over 7 years since first delinquency.

Please help me correct these reportings. I was behind in my payments in XX/XX/XXXXdue to personal illness and went through the loan rehabilitation process and consolidation process. My loans have been current for over 5 years yet these older accounts still remain as currently past due.

XXXX  does not respond and just sends form letters and adds comments stating verified by grantor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is erroneously reporting ( XXXX ) significant items on my credit report:XXXX ) A public record of a " court judgement '' from XXXX NH court ... source XXXX XXXX XXXX the amount of ( {$5000.00} ) This was a small claims court case ... .in which the result was that I lost ( {$600.00} ) ... which I paid immediately..closing the case in XXXX. I can attach the official court documents which support my position. Equifax is reporting this an open court judgment for ( {$5000.00} ). 

XXXX ) Equifax is reporting a public record of a Federal Tax Lien against me from XXXX. This Federal Tax lien was erroneously placed in XXXX, but it was removed from existence ( without having been paid - because it was erroneous. I filed an official IRS Lien Removal Form, which was prompty approved by the IRS. The court of record ( XXXX XXXX NH ) was succesfully updated, and this item came off of the other ( XXXX ) major credit reporting bureuas ... .but Equifax never removed it. 

These ( XXXX ) erroneous items have directly contributed to me being denied an FHA Mortgage through XXXX XXXX bank in XXXX XXXX. I supplied supporting documents to prove this to XXXX XXXX, which they were satisfied with, and subsequently re-submitted through Equifax ... but Equifax refused to remove this erroneous information ... which led to my mortgage application beind denied ... again ... .causing me tremendous financial loss, continuing financial loss ... hardships, and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On  XXXX   XXXX , i received a credit alert saying I have a 30 day lateness with  XXXX . I immediately called them to let them know there must be some type of error because i set up auto pay with them. I was told today that there was a glitch in their system and that my auto pay was never processed. Now, I do n't have any other lateness 's on my credit report. I take pride in having Excellent credit and this error is causing me not to get approved for my mortgage loan. Can you please correct this lateness as it was a glitch on their part and not mines. I 'm looking forward to move my fam ily into our 1st Brand new home. Thank you in advance!

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 2020-01-16
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Noticed an authorized account on my credit file from COMMONWEALTH FINANCIAL in the amount of {$110.00} with an account number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX 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 2020-01-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed the listed inquiries with Experience on several occasions and have not received any resolution. According to the Fair Credit Credit Reporting Act a consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  Cards XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXXXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : 0XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXXXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX   CardDate of Inquiry : 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 2022-10-03
Company: Atlanticus Services Corporation
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I got approved for a credit card/credit from a XXXX XXXX XXXX XXXX XXXX amount of {$1500.00}. I never used the credit that I was approved for or activated the card. The money was never touched. 

On XX/XX/XXXX, I filed a dispute with XXXX regarding the negative debt that the XXXX XXXX XXXX put on my credit, and it was not removed. I than contacted an attorney on XX/XX/XXXX, regarding this matter and a letter was typed up and sent out to the collection agency. I reached back out to the attorney office on XX/XX/XXXX, and they have not received a response from the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I pay my credit card on time every month on the date or before. When I call and try to make a payment on time the rep. states I owe from prior month and expect me to pay double! I then give the name I spoke to and my confirmation number.. rep proceeds to say YES it shown you made payment!? but did not go through?? I stated to rep I never receive a VOICEMAIL EVER but get harassed with a text XXXX weeks after I make payment and expected to pay double the flowing month! ridiculous!!! I spoke to a very nice gentleman and told him my situation and stated your information is all in the computer and payment went through when he puts it in. He then apologize and said this shouldn't be happening all those month and proceeded to put in a complaint in for me and I have NOT HEARD FROM ANYONE! so, I try to make a payment on XX/XX/XXXX at XXXX XXXX  Florida time and she informed me that I had an outstanding balance of XXXX! again, I gave the name of the person and confirmation number from XX/XX/XXXX and she stated clearly! " yes it shows you paid on time but did not go through! '' I asked to speak to a supervisor and she did NOT want to do so. I hung up phone. here are the names and confirmation numbers XX/XX/XXXX with XXXX XXXX XXXX ) XXXX with XXXX at XXXX XXXX. ( XXXX ) XX/XX/XXXX with XXXX at XXXX ( XXXX ) XXXX XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX paying XXXX with XXXX- XX/XX/XXXX XXXX ( XXXX ) FYI.. I am no longer with REGIONS which I have been for almost 20 year! I bank elsewhere. Thank 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 explanation
Consumer complaint received 2022-02-23
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was notified by XXXX XXXX on XX/XX/2022 that a credit report identified that someone opened a credit card using my social security number birth date with Genesis FS Services. 
In a conference call with XXXX and a representative from Genesis Fraud department, the Genesis representative confirmed a credit card was opened in my name on XX/XX/2022. The Genesis representative stated that I needed to file a report with the FTC to gain an affidavit noting the fraudulent activity and send the report to the Genesis Fraud department. According to the rep, the account had not been used yet so there is no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Roundpoint mortgage on XX/XX/2022 to update my excess payments to be applied to principal balance. I was showing as next payment not due until XX/XX/2022. They assured me action would be taken and excess amounts would be applied. They said they would email me within a few days. I did not hear anything. I called again on XX/XX/XXXX to follow up. The case had been closed because it was not properly assigned. Reopened issue. The policy on back of the statement states " Excess payments, also known as partial payments, made will first be applied to overdue payments, then to late charges and other amounts owed under terms of your loan, then to amounts specified in your payment instructions, then up to one future payment, and finally to reduce your principal balance. My current statement shows next payment not due until XX/XX/XXXX. I called Roundpoint again today. Issue is still not resolved. I explained that I want all excess payments to go towards principal. Next due date, will be paid on XX/XX/XXXX. I do not understand why they are not following their own policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was young and I didn't know anything about credit, once i got older i realized that my identity was used, i was not aware of this happening. i did not know anything about credit around the time this happened and i need this to be removed because it is hindering me of obtaining credit, apartments, a car and more. I have a fraud XXXXXXXX XXXX  on my credit report that needs to come off. I contacted XXXX and keep the getting the run around!

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