BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: EQUIFAX, 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:
Incorrect information is reporting on my credit file that is negatively impacting my credit score : XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient never provided right information to me, they put my account under forebeareance when I told them I am unemployed and they reported my credit agency as a delinquent account. Their customer service is terrible and everyone is extremely rude. Now they are saying I owe them {$1000.00}, so I 'm not sure how to pay off this amount. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I received a call on my phone from phone number ( XXXX ) XXXX, asking for my son, by name, from a guy identifying himself as " XXXX XXXX '' and that he was a representative in the " Mortgage Loan Department '' of XXXX XXXX Bank. I asked him what the call was about and he said he wanted to talk to my son about a problem with his mortgage at, and he identified my home address. My son is not now, nor has he ever been, on either title or the loan on my home. My son is a XXXX yr old full time college student and XXXX XXXX. I advised him that my son was " not home '' but that i might be able to help him as I am a co-mortgagor on the property. He apologized for not being able to see any of my information in his " records '' but wanted my email address so that he could send me the " legal email '' he needed to send me before he could talk to me. I asked what was the issue he needed to talk about and he said that the house was in " serious jeopardy '' due to all of the " back taxes and insurance that has n't been paid. '' At this point I told him ( in very colorful language ) that I was n't aware of any of that but that I was aware of the fact that he was nothing more than a fraud. He responded that I was being recorded and I advised him that I was very glad of that so whoever was recording would have a record of just what a XXXX XXXX he was. He responded in kind and promptly hung up. Out of curiosity, I re-dialed the number that had just called me and was semi-surprised to hear, " Thank You for calling DiTech Mortgage. '' I 'm not sure exactly what this XXXX was calling about and phishing for, but I do know it was nothing legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is not allowing me to dispute incorrect information on my credit report. Under the Fair Credit Reporting Act Experian is required to investigate disputes and not just allow a debt buyer to just provide information without a thorough review. Specifically, theres a collection account on my report from XXXX XXXX XXXX. that is listed as a personal account with XXXX and a joint account with Experian. 

This account should be deleted as it has not been investigated or verified by a person.

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 2022-05-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account was limited for 180 days and receive an email telling me, i WAN NA oNLY SEND MONEY TO ANOTHER SERVICES AND THIS MONEY NOT FOR ME. IT'S FOR DROPSHIPPING

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was unexpectedly hospitalized in XXXX of 2015. While I work and have medical insurance, I have a XXXX child with limited income. I submitted a financial assistance packet for review to the medical billing office of XXXX XXXX XXXX XXXX for the hospitalization bill. It was reviewed, accepted and the account was closed and settled in full. During the process XXXX XXXX XXXX XXXX had sent the bill to Collection Consultants of California, and retracted it the same day. I have called Collection Consultants of California and notified them that the account was settled in full. I have also provided CCC with proof of this via fax ( with confirmation ) of my notice of account settlement letter from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has called them twice on my behalf in an order to close out the account. Collection Consultants of California has continued to harass me regarding the debt, they have not properly closed the account although it was settled in full. They have now sent the debt to my credit report to negativity affect my credit. They are unlawfully harassing me, and will not remove the account from their files although it was paid in full. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: FIRSTBANK PUERTO RICO
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I wired {$2200.00} into my account at First Bank Puerto Rico on XX/XX/2017. As of today, XX/XX/2017, it has not been credited or returned. I have made numerous telephone calls and emails to the bank but have been ignored. When I do speak with them, they are dishonest and disingenuous, claiming that it is " illegal '' for them to speak with me. It is illegal for the bank to convert my money and not return it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Receivables Performance Management, LLC
State: NM
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 have received numerous telephone calls attempting to collect a debt from " XXXX XXXX. '' I do not know an " XXXX XXXX '' and told the company that during the XXXX - XXXX attempt they made to contact me. 

I also told them to take my name ( " XXXX XXXX '' ) off the list and that I would report them if they called again. 

I received a call from XXXX XXXX which seems to be from XXXX Maryland. However, the person on the phone said that her company, RPM was located in Washington. She said that she did not know the address ( but apparently had made it to work that day at some address ). She stated that her name was XXXX and that her supervisor was XXXX XXXX (? ). She was very hesitant to provide me with any information on the company or how to contact them.

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 2022-05-18
Company: Javitch, Block & Rathbone LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received Bill of Sale that my account was charged-off ( Original Loan was through XXXX XXXX XXXX XXXX XXXX and purchased by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

File Name and Number : XXXX I do not know what amount XXXX XXXX XXXX paid for the account that was charged-off. As this information was not provided, what was provided was a group of accounts ( XXXX ) and a total of unpaid balances ( {>= $1,000,000} ). 

I request to know what was paid for my debt. 

On XX/XX/XXXX - A letter from Javitch Block LLC was received. 
Javitch Block LLC is a debt collector trying to collect a debt and they are trying to collect on an amount ( {$31000.00} ) that I believe to be in accurate.

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 2020-08-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I had student loans and was making payment on time up until a certain point ( payments were automatic, the card I was using expired and I never realized it ). Eventually the loans went into default. I was then put into another federal consolidation program which I have been current with payments up to this current date. I have since started working on my credit and working towards a vehicle. This is really hurting my credit and I just would like to know if the way everything is being shown to me is correct. Attached will be photos of what I can see and what I tried to have Experian correct. It is showing 120+ plus days late but yet the month before and month after are in green. I understand It is my financial responsibility to make payments on time.

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 2020-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
To Whom it May Concern : This is the second time I have had to report XXXX XXXX XXXX XXXX. I previously contested a fraudulent account made under my name, providing documentation that I was living out of the country at the time a card was opened in my name in the United States. XXXX XXXX XXXX continues to harrass me even after I disputed the account. I then filed a claim with your department and the claim was dismissed. At the same time they began sending me letters and calling me about an account from capital one. I also called them, and on at least three occasions requested the phone calls be recorded, and then asked them to send statements of the capitol one account to verify these were charges I made. They have failed over the last few months to provide proof, where the burden of proof that this account was mine has still not been fulfilled. They then sent me a letter of pre-legal notice saying to respond by XX/XX/XXXX. 
As previously stated I have asked for documentation from XXXX XXXX for several months, providing details of the capital one account. I am challenging their threatening practice as well as their right to sure when the have refused to provide me information before disputing the account. This account is stated to have been charged off in XX/XX/XXXX, during which I was also out of the country. I have already provided copies of my work XXXX from XXXX showing I was residing there from XXXX onwards. 
XXXX XXXX practices are unethical and I am requesting this matter be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have also included a copy of my identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2022-05-18
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In the letter dated XX/XX/XXXX ( not from my single point of contact ), Shellpoint states, Note that interest, payments, credits, and other allowable charges may cause the loans balance to vary daily ; therefore, you should contact Shellpoint at ( XXXX ) XXXX to determine the exact balance. 

1 ) Shellpoint agreed with the Texas Dept. of Savings and Mortgage Lending that all communications would be via email.

2 ) Shellpoint is asking me to sign a document of no oral agreements.

3 ) I am supposed to have a dedicated representative. The phone number that I call should not change daily and/or with each correspondence.

Shellpoint asserting that it has answered similar questions is a deceptive trade practice to include buzz words for CFPB and XXXX XXXX to close complaints. 

Shellpoint stated on XX/XX/XXXX, Pursuant to the contractual agreement Shellpoint may collect from the customer any reasonable attorney fees and other actual out of pocket expenses incurred in the enforcement of the contractual agreement. However, upon receipt and acceptance of a completed modification Shellpoint will waive the current Late Charges of {$250.00}. This Late Charge balance is not included in the capitalization. 

Shellpoint spouts words leaving it for the reader to infer a contractual agreement that fits with they are saying. No out-of-pocket fees were incurred for the enforcement of the contractual agreement. 

In the letter dated, XX/XX/XXXX ( not my single point of contact ), it said that the {$14000.00} was comprised of Delinquent interest {$6200.00} Escrow Advances XXXX Legal Fees and Cost {$670.00} Moreover, pursuant to the note Shellpoint must follow all laws. I was affected by Covid and was not more than 120 days late as of XXXX of XXXX. Under CFPB-XXXXRegulation X, the {$670.00} should be deleted from the written amount to be capitalized. It is not valid because no attorney action was taken to collect past due amounts. And it is not allowable. 

Additionally, Shellpoint states, As of the date of this correspondence, the loan is contractually past due for the XX/XX/XXXX, through XX/XX/XXXX, installments. Shellpoint refused to accept payments in XXXX of XXXX. The loan was in a Covid forbearance. Plus, the loan currently in a trial modification until the modification is finalized. 

I still want the modification but the capitalization amount needs to be changed in writing because no oral representation by calling ( XXXX ) XXXX is valid pursuant to Shellpoints own documentation. The property description is still inaccurate. The contradictory escrow language was not addressed. 

I am presenting two months of bank statements and two months of paycheck stubs because this modification has not been finalized and I dont want this to become another issue since it has been over 90 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Within Equifax the accounts of XXXX XXXX Bank Account XXXX is not mine and XXXX XXXX Account XXXX is not mine and I have reported it to the police. The account has not been removed from my credit report. I have attached the police report to this dispute. I have contacted both companies to try and resolve the issue. As, I have been disputing this problem for the last two months. I have told them that this not my accounts and they have stated that they have evidence that it is my account. I have asked them what sort of evidence they have, and they have responded that they have my social security number and birthdate. I have explained to them that the my data has been compromised and that would include my social security number and birth-date. However, they did not want to hear it and did not want to work with me. I have also offer to pay it as I just want it off my credit report. They said that i was able to pay it but they would not guarantee that it would be removed from my credit report. The XXXX accounts are not being cooperative and refuse to remove it from my credit report. The information that they have provided to me has not been a legitimate to state the accounts are mine. I have shown them that police reports have been filed and have made proof that my data has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance to Fair Credit Report Act, XXXX  account # XXXX XXXX ( DP OF EDUCATION ) has violated my rights. 15 U.S.C 168 Section 602 A states I have a right to privacy. 15 U.S.C 168 Section 604A Section 2 states consumer reporting agencies can not function my accounts without my written consent.

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 2022-05-18
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with fair credit reporting XXXX  account ( s ) numbers XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it states a consumer reporting agencies can not furnish a account without my written instructions

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 2022-05-18
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022 I submitted a dispute to Experian about account XXXX XXXX XXXX XXXX XXXX reporting inaccurate information. XXXX XXXX XXXX XXXX XXXX was reporting the account as closed/collection account never late. I informed Experian that the account with XXXX XXXX XXXX XXXX XXXX was indeed open and was not a collection account. I informed Experian to Delete ( not update ) this account. On XX/XX/2022, Experian updated my report showing XXXX XXXX XXXX XXXX XXXX account open with a paid on time payment for XX/XX/2022. According to the FCRA this is not a accurate report. Experian is suppose to report accurate information at all times. How can the account be open, then closed as a collection account, then back open again? How is this possible? This is not accurate. Remove ( not update ) this account immediately.

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 2016-06-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section XXXX ( XXXX ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' PLEASE REMOVE ACCOUNTS AND INQUIRIESI am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' PLEASE REMOVE ACCOUNTS AND INQUIRIES

Company response to consumer: Closed with explanation