BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
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: Was not notified of investigation status or results

Complaint:
I did numerous disputes with XXXX about items/inquiries on my credit report that did not belong to me. XXXX falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that XXXX remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did numerous disputes with XXXX about items/inquiries on my credit report that did not belong to me. XXXX falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that XXXX remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX I did numerous disputes with Experian about items/inquiries on my credit report that did not belong to me. Experian falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that Experian remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-07-26
Company: Experian Information Solutions 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 status incorrect

Complaint:
Experian Credit Reporting Agency has been continuing to violate my Consumer Rights as well as the FDCPA. I sent them a letter regarding the entry reported on my credit report under US DEPT OF ED on XXXX, 2021. Then on XXXX XXXX I wrote Experian a follow up letter reminding them that they have Violated my rights as well as Federal Law.

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 2022-06-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I did numerous disputes with XXXX about items/inquiries on my credit report that did not belong to me. XXXX falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that XXXX remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did numerous disputes with Equifax about items/inquiries on my credit report that did not belong to me. Equifax falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that Equifax remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX I did numerous disputes with XXXX about items/inquiries on my credit report that did not belong to me. XXXX falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that XXXX remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Freedom Mortgage Company
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband is a XXXX veteran XXXX. We bought a home in Oklahoma In XXXX XXXX, At the time of closing we took our documents showing that we are tax exempt in the state of OKlahoma from property, Sales Tax, Excise, Etc : we had a letter from the VA stating the fact that we have been tax exempt since XXXX, The Title company said we had to wait to close then take the information XXXX which we live and get a form filed and is on file XXXX. We sent this information to the Mortgage Company that had the Mortgage at closing they refused to accept the documents saying that they did not have time the proper time to get the documents into there system. They sold the mortgage in XXXX XXXX to freedom Mtg. I sent the first payment minus the taxes. They refused to accept the tax forms that we legally have. They cashed the check but would not apply the amount to the account. Then I sent our payments every month on time they still will not accept the tax exempt status and have threated to forclose on our home. They finally applied XXXX payment resolved the tax issue for the month of XXXX lowered the payment for XXXX XXXX but still have not applied the payment to our account even though we paid more than what the payment was suppose to be. They said we have to make the XXXX Tax payment or they are going to take our home. Freedom Mortgage has all the paper work and document show we have been tax exempt in the state of Oklahoma since XXXX, They have reported that we have not made our payments on time to the credit bureaus. They sent us a letter saying that they removed this information but they keep adding it back to the credit report each month. I have tried talking to these representatives every month. everyday they have called to tell us we have not made our payments when we know the check has cleared the bank. They refuse to do anything about the issue. They said that we are in the wrong. Freedom Mortgage is causing a lot of stress in our life. They have three months of pre paid taxes and the taxes for the month of XXXX that we paid to the first Mortgage company. They want XXXX taxes or they are going to sieze our home. we keep getting late fees, inspection fees, and any other fees they deem they want to add. Please do something to stop this madness. IF we have to hire an attorney then tell us that is what we need to do.

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 2022-02-22
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Action Collection Agencies, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection letter for two medical charges of {$110.00} totaling {$260.00} for services by XXXX XXXX XXXX a XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX NY where I spent XXXX days with XXXX XXXX. The charges were for services received on XX/XX/2022 and I paid these charges in full with my XXXX XXXX card on XX/XX/XXXX with the XXXX payment app. I submitted proof of payment to Action Collection Agency in XXXX yet they continue to harass me for payment. I consider this matter closed and want my name off their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to dispute the debt with LVNV FUNDING LLC and the credit bureaus. I have not received any information from either company that shows the debt is mine. I do not owe this debt and have never had an account with LVNV FUNDING LLC or the company they are trying to collect for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is now my fourth complaint about my case with Chase. Every step of the way I have provided Chase with information and they keep coming up with new reasons to deny my claim. Every time they deny my claim and provide the reason why, I have provided proof as to why they are wrong, and then they come back with a new reason to deny it. For over a week I have tried to reach a manager at the executive office who can handle my claim, because the person on my case is either never in the office, unreachable on the phone, or when I can reach her- she can't provide ANY answers to my questions or any useful updates. Every time I ask for a manager they say it will be 24-48hrs for a call back, but I've asked for this for over a week and never received a call from a manager. I spoke to my family lawyer about my case, gave him all the proof and details that I've given chase, and he said this should be sufficient to be protected under Regulation E. Chase keeps coming up with new reasons which make absolutely zero sense and have zero proof behind them. At this point, it does look like I will be opening a lawsuit not only to recover my funds but for damages as well. My bank account has been negative for over 10 days now, nobody is reaching back to me, and I have bills to pay. I'm in XXXX XXXX  with zero income- but my parents will be paying for a lawyer to arbitrate. Chase has not held up their fiduciary responsibility and has not treated me right as a customer, they keep making me run in circles rather than speaking to me or providing me with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
During housing crisis XXXX purchased my mortgage from XXXX since I had never missed a payment since purchasing it in XXXX. Once I was ONE day late & XXXX notched my credit. In XXXX XXXX I unexpectedly retired & went to XXXX to help my daughter XXXX ( XXXX ). I got into credit card trouble & declared bankruptcy in XXXX XXXX. The attorney told me to stop paying XXXX since house was a rental & see what courts did. ( Bad advice ) XXXX transferred note to their bad debt subsidiary Shellpoint. When court allowed me to keep house, I immediately caught up all payments and fees. Since I live on social security income, I applied for Loan Modification. Denied. They said I had too much equity in the house because they said appraisal was {$110000.00}. I owe $ XXXX. Having done real estate, I researched XXXX and made a list of listings and sold and sent it in. They said they did n't get it. I sent it again ( see 2 attachments ). Denied because they held to their fraudulent appraisal. This was an appraisal by DRIVE BY ( against all standards ). Never made any effort to contact me or tenants and impossible for them to enter rear yard due to dog. This appraiser probably sat a computer and read the average price of home at that time in this neighborhood, which ironically, was {$110000.00}. But never checked square footage or comparable. Mine is a XXXX XXXX bath home of XXXX sq ft. On attachments, you can see the comparable square footages. However, there is a {$120.00} other fee showing on Shellpoint website. The first rep said not to worry about it, unimportant. Later, a second rep said she did n't know what it was for. The other day a third rep told me it was for the DRIVE BY APPRAISAL. I 'm now planning to sell the house ( in large part to be done with XXXX forever! ), but I know they will charge me for that unethical, fraudulent appraisal. They would n't give me name of firm, although I wanted to file a complaint with the XXXX XXXX ( appraisers ). The sum experience is that I believe there is collusion between appraiser and Shellpoint. That they want to foreclose and get rid of this loan because the equity is there. They wo n't lose money. They defeat the purpose of the Loan Mod Program. It 's not to assist people like me. They made it so difficult to apply. Twice I had to send in the application, then twice send the comparable sales. My request of you is to have Shellpoint drop the {$120.00}. fee for the " appraisal. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: U.S. BANCORP
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
US Bank denied a claim based on purported signature similarities, this was a baseless claim as the signatures were not even remotely similar to known signatures. US Bank made a claim that they recorded 11 conversations between myself and US Bank employees, yet refused to let me review those recordings. I asked for video surveillance and US Bank informed me that I had to obtain those videos. 
US Bank violated TILA by placing the burden of proof upon the cardholder, using evidence that either did not exist or they are refusing to share and making obviously incorrect conclusions about signatures. 
One has to wonder if US Bank is systematically violating TILA by denying valid cardholder claims based on false interpretations of evidence, making false claims to consumers about evidence and telling consumers they are responsible to gather evidence. 
All my claims are based upon conversations on a recorded line. 
The CFPB can review the signatures for themselves and attached is an analysis from a professional handwriting analyst who found that " no indication... that XXXX XXXX is the author of the four questioned signatures. '' Again, one must wonder why US Bank held me responsible for the transactions when the evidence clearly does not support their claim and if US Bank is making similar unfounded claims and or manufacturing evidence to wrongly place the responsibility on the cardholder in violation of TILA. 
US Bank also violated TILA by not provisionally crediting my account when presented with substantially new evidence or providing evidence to counter my claim. I sent the attached documents by certified mail.

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 2017-05-31
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a visa credit card with Navy Federal Credit Union since  XXXX .  <P/> I rarely used the card, but paid interest on the balanc e (  card limit was {$1000.00}, and the balance was around {$200.00}  ) . I paid off the balance last week, and suddenly, the account was closed.  <P/> When I inquired what happened to the account, I was told that the account was closed in  XXXX . I was not notified of this, and had continued paying interest on the account, thinking that it was still opened.  <P/> I sent them a letter requesting that the account be reopened, since I paid interest all of this time, but they insist I apply for a new card. I feel like if they closed the account without my knowledge, and I 've paid regular credit card interest on the balance for the last 3 years, they either should reopen the account as per the previous terms, or they should refund all of my interest payments since  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 2017-07-19
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This company debited my card XXXX for a debt I did not owe. They continuously harassed me and my sister. They threatened to send the sheriff to my job. They discussed the debt with someone who was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband lost his job in XX/XX/2021 so we missed the XXXX payment. We contacted XXXX and they advised to call them when he received his paycheck from his new job so they can evaluate us for a repayment plan. We contacted them in XXXX to start a payment plan. The gal we spoke with agreed that we would be paying XXXX a month on the XXXX of every month except for XX/XX/2021 as the XXXX was on a weekend. This would be for 6 months. Then we started getting notifications in the mail stating our house was going to start the pre foreclosure due to us not making our payments and for not contacting them to set something up. I get 5 letters months stating the same thing when my payments are automatically taken out of my bank account. It is frustrating that when we call we are told not to pay attention to the letters as we are current but then to get those letter in the mail which do not show the correct information. I was told today that per HUD those letters have to go out but you would think that if we are abiding by our payment plan we would not get those letters. All I am asking is that those letters reflect the correct information. I have asked them to fix them but they said they can not.

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 2022-02-22
Company: EQUIFAX, INC.
State: AZ
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:
EQUIFAX is reporting information on XXXX XXXX BANK XXXX account that is incomplete and inaccurate. I never gave EQUIFAX written consent to report this account on my consumer report. The account details, nature of the dispute, and verification documents are listed in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
These accounts need to be deleted because they are not mine and they have not been validated. I have disputed these accounts with Transunion numerous times. The response I get back is that the information has been 'verified '. I contacted each one of these collection agencies and I never received a response from the collection agency to 'Validate ' the account. With that being said I am sure that Transunion did not get a verification from the collection agencies pertaining to the collection agencies on my credit report that do not belong to me. XXXX is not a way to verify an account. I requested there '' method of verification '' meaning who did the physically talk to at the collection agency. I want to know what paperwork Transunion have showing that this account was validated and verified. The person they spoke with, what department, what day and time, and the paperwork they have showing ownership of the collection account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation