BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
XXXX XXXX XXXX - XXXX Citizens Bank Chain of titles on address XXXX XXXX XXXX XXXX XXXX Pennsylvania ) Deed book 893 PG 190 XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reservations on minerals or oil and gas within this deed chain of titles. 

Deed book 893 PG 193 XXXX and XXXX XXXX XXXX XXXX and XXXX. 

No reservations for any minerals or oil and gas Book page 893 PG 194 second paragraph. 

Chain of titles to deed dated XX/XX/1954 and the record herewith. the said XXXX XXXX and XXXX XXXX, his wife conveyed all of their right, title and interest to and in the tract of the XXXX acres to the said XXXX XXXX XXXX and XXXX XXXX XXXX his wife parties of the first part herein. 
To have and to hold. 
On to their heirs and assigns .All right and title in the 39.7 go to XXXX and XXXX . Deed book 1269 PG 263 XXXX and XXXX XXXX To Consolidation coal company On book 1269 PG 264 excepting and reserving. All the minerals all the right title an interest within the XXXX acres deeded into XXXX and XXXX 's estate within this deed. 
1 ) 8.9 2 ) 1.613 3 ) 2.65. 

For chain of title reference Book 1269 page 266 second paragraph Again it references to XXXX and XXXX XXXX giving up all the right and title and interest into the tract of 39.7 acres Deed book 2331 page 046 This is a Deed of Surrender This releases the lease from XXXX XXXX XXXX XXXX and then surrenders a quick claim back to XXXX XXXX XXXX XXXX and her heirs and assigns.Deed book 1862 page 293 A Oil and Gas lease from XXXX XXXX XXXX, widow To The Peoples Natural Gas Deed book 1695 page XXXX XXXX XXXX XXXX to XXXX and XXXX XXXX Book 1695 page 146 third paragraph again so ownership goes into first-party XXXX XXXX XXXX XXXX XXXX title and interest in that 1954 deed book 893 page 190 Mortgage instrument number XXXX Now Citizens Bank XXXX XXXX and XXXX take ownership 100 % of the right title and interest and minerals, land and right of ways out of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was the victim of identity theft and my account and debit card were charged without permission at certain merchants. I notified chime bank and have have submitted multiple disputes with them with, only to be denied on 95 % of the charges. They even denied a lot of charges at one merchant while refunding a few, " handpicked '' charges so they could look like they were actually investigating. After repeatedly asking for proof and documents every time i submitted the dispute, they came back with " merchant says they are not responsible '' and denied. Well i already know the merchant says that because i contacted them in the very beginning and chime evidently doesnt understand i am disputing with them, my bank. Chime evidently is unaware of the law and never issues temporary credit while doing their " fake '' investigation. I will attach the list of charges and results, you will notice they denied the majority of " XXXX '' but accepted a few of them, showing how inconsistent and fake they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MI
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 mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been contacting Portfolio Recovery about a debt they are trying to collect without having proof that the debt belongs to me. Please help me with rectifying this matter. I have attached the proof provided by Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: DC
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:
I use Equifax, as well as XXXX and XXXX, to periodically check my credit report. In the last few days, improper IT security measures at Equifax led to their systems being " hacked '' and 143 million US customers ' information being leaked. This includes social security numbers, and poses an increased risk of identity theft. This happened in the first week of XXXX 2017.
I have placed a 90-day Fraud Alert on my credit report, however, I believe this hack was the result of insufficient and inadequate cybersecurity processes used by Equifax. If companies continue to neglect their cybersecurity, and continue to under-invest in what is an increasingly important and critical part of a company 's ( and democracy 's! ) infrastructure, then we will have increasing and more dangerous hacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had/have a qualifying COVID-19 related hardship including job loss. The CARES act required mortgage companies to offer forbearance and then a loan modification if the hardship was not resolved. For more than 6 months ( starting in XXXX of XXXX  ) after my forbearance expired I repeatedly called, messaged through their website, and emailed Loan Depot to get a resolution and to receive an offer of the loan workout options required by federal law. I spent dozens of hours on this and received little to no communication from them. Finally, after a full 6 months of trying to reach them, they offered me a streamlined COVID-19 Flex Loan Modification. I immediately told them I accepted the offer and they said that the loan modification would become permanent after the completion of three trial payments at the reduced payment amount. Accordingly, I scheduled the 3 payments with a representative who explicitly assured me that nothing else needed to be done on my part. Almost immediately after scheduling these payments with Loan Depot they apparently transferred the servicing of my loan from Loan Depot NJ to Loan Depot TX. The new servicing location had all of the details of my approval for the loan modification but Loan Depot NJ failed to transfer my authorization to draft the payments to the new servicing address. Because of this they did not draft my payments as scheduled and I was then told that I no longer qualified for the approved loan modification offer. Of course, interest rates have skyrocketed since the initial approval and this stinks of them trying to pocket tens of XXXX of dollars by reassessing the loan modification at much higher rates. At no point did I withdrawal my authorization to debit my account for the agreed upon amount. They explicitly told me I didnt need to take any other action for my loan modification to become permanent after scheduling my payments. They have now reported my account delinquent to the credit bureaus causing my XXXX credit score to plummet. I have never missed a required payment on any credit account in my entire life and they have now destroyed my credit when I gave them specific authorization to debit my account for the agreed upon payments. They need to be held accountable for this and honor the terms of the agreement that we had in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Shellpoint Partners, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In summary : Shellpoint reported me and XXXX ( owners of a house ) to the credit agencies stating that we've missed the XXXX and XXXX payments. This is not true as Shellpoint was actually telling us to not pay until a Forbearance plan contract was put in place. 

Chronological details : - XXXX : I've called Shellpoint and was told that I should first sign the forbearance plan adjustment before making payments. I also asked if this was going to affect our credit and was told that our account was going to be " frozen '' and that we should not worry about it. 
- XXXX : XXXX XXXX was assigned as the point of contact and we've started to communicate over emails and also over the phone. 
- XXXX : The document has delays to arrive, plus I had to travel due to family emergencies, so this delayed the whole signing process, but XXXX insisted that we shouldn't worry about it. I have emails to prove this. 
- XXXX : We were able to sign the document on XXXX and also realized that our credit score was going down. XXXX reassured us again that everything was going to be ok once the document was signed and our payments were going to be reported as due to the credit bureaus. 
- XXXX : We received communication from Shellpoint stating that the negative remarks are correct and that they won't be removed. 
- XXXX : We're still trying to fix the issue with no good prospect at sight.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
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:
XXXX credit reporting is showing 2 collections on the reports for my account.
Experian is showing 1 same issue. I have called and questioned them and was told they could not resolve my issue as they have no opening dates on either account. XXXX is showing 0 collection accounts. Why would XXXX be showing 2?. I know the Federal Fair Reporting sact requires a credit to remove an item if they can not show an opening date. I hope you can intercede on my beghalf to make sure they report the correct information one of the agencies is called XXXX XXXX XXXX and the other is XXXX XXXX. Both of yhese item were paid and were supposed to be taken off my report at time of payment. But as usual each collection agency lied and left them up to be reported.

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 2022-07-10
Company: Experian Information Solutions Inc.
State: NY
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:
When I went to the car dealership XXXX XXXX and XXXX XXXX they said they was only going to run my credit ones and ran my credit Numerous of times these are all the credit Inquiries XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-07-10
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, I have mailed a dispute to credit bureaus about this inaccuracies on my credit report, but I have not received any response. I really need help to address this concern for this has been causing me financial damages. Thank you. 

AMERICAN EXPRESS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: LA
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've sent a letter last XX/XX/2021 but it is almost 30 days now but no response yet. I am a victim of Identity Theft. I'm so stressed every day, I got a low credit score because of fraudulently used of accounts without my permission. I've already contacted the credit bureaus and furnishers to raise this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent a letter on XX/XX/XXXX to the XXXX Credit Bureaus ( XXXX, XXXX, Transunion ) asking to Verify Inaccurate Information that is reporting on my Credit File under all 3 bureaus! 

On ( XX/XX/XXXX ) I received my Dispute Results back from XXXX. 
This is my Report # XXXX for XX/XX/XXXX As I was looking through my Dispute Results, XXXX   verified that I had a Public Record that they have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX. They also, listed the contact information which is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX GA XXXX, or visit XXXX XXXX XXXX 

I personally contacted XXXX via Phone ( XXXX ) to request my Consumer File, no which the Agent I spoke with could not find a file under my name and social security number! I also submitted on their website an Electronic Request Form here : XXXX XXXX XXXX  I filled out all my personal information as stated on their website! 

Today, XX/XX/XXXX : I received my XXXX Letter in the mail stating that they were unable to process my request at this time. XXXX had conducted a search of its databases based on the information provide to them, but was unable to locate a file sufficiently matching my data. 

Consumer Number : XXXX Case Number : XXXX I do NOT have a File with XXXX so how is XXXX, Transunion, XXXX  verifying PUBLIC RECORD information from XXXX if my information does not exist with XXXX? The 3 bureaus XXXX, Transunion and XXXX  is REPORTING INACCURATE information on my Credit File/Report and I want it REMOVED 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 2021-08-24
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since the dissolution, by divorce, in XX/XX/2019, of the marriage with XXXX XXXX, and the resulting property settlement, which placed the property in my sole ownership, I have tried to remove my ex husbands name from the mortgage loan. For New Rez in care of XXXX Mortgage Service, which this complaint is against, unlike for XXXX XXXX  and XXXX XXXX which have received the divorce settlement documents and responded by removing my ex-husbands name from the mortgages they hold, New Rez has demanded a 1 % fee to remove XXXX XXXX name. The latter two mortgage companies just responded to the judges ruling and removed his name. I do not know where my ex-husband is. I do not have contact information on him. Therefore, regular business requiring his signature such as a forebearance plan, a refinance, a sell, or any other normal business activities can not be accomplished.

During the covid 19 pandemic many financial hardships are being dealt with and I think to require a 1 % fee to simply drop XXXX XXXX name from the mortgage, as other mortgage servicing companies have done, is gouging and is taking advantage of the consumer. The letter they sent requires the fee be no less than {$400.00} and no more than {$900.00}. Their letter states a 1 % of principle fee which in my case would be {$140.00}. so it is more like 3 % in my case. Not only that but their instructions require all borrowers signatures which is impossible because, as already stated, I do not know where XXXX XXXX is and have no contact information on him. There is every possibility that I may lose possession of this home since this month I asked for a forebearance period on this house. At the end of the forebearance period they will no doubt ask for his signature on documents which I will not be able to provide. This mortgage servicing company is using this request as another income stream. This procedure was not disclosed on the mortgage document at signing of the mortgage documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: NV
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:
There's incorrect information on my credit report and I've been trying to fix it for a long time and had no luck. Account stay there open account say they're closed there is wrong information and payment information being reported and not being reported my score is contradicting the information on the report my personal information is incorrect and I feel like XXXX  Equifax and XXXX have been discriminative towards my situation and very unhelpful and I'm unprofessional and resolving my issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/XXXX, I said in my dispute : I did receive medical care but I had XXXX because I was XXXX  and unable to work! This debt was incurred because the insurance coder at the medical facility entered in my insurance info incorrectly or failed to enter it in. I never received any bill or other communication from this facility so I thought the bill was paid by Medicaid as it should have been. Now they have turned it over to collections when I was never even notified. I tried to contact the hospital to get them to run my insurance info but they wouldn't because this was in XXXX. It is their employees fault and I am not responsible for this debt! I had no income due to XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is in collections, the only collection I have. Collection Agency : XXXXXXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Amount {$520.00}. 

Company responded on XX/XX/XXXX : Company 's Response Thanks for sharing this information. We are closing your account and returning it to our client so it can be properly handled there. We are also deleting the account from the credit reporting agencies. 

I have been fighting to have this removed for over a year now. At this point, the debt should have been removed per the collection companys information theyre providing me but I have disputed this debt with Equifax multiple times & they keep coming back saying the debt has been verified by the collection agency as accurate! The collection agency doesnt even have the debt anymore & they have requested for Equifax to remove it multiple times & they wont. The debt is from XXXX & has surpassed the statute of limitations for Virginia at this point. I want it removed from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There's incorrect information on my credit report and I've been trying to fix it for a long time and had no luck. Account stay there open account say they're closed there is wrong information and payment information being reported and not being reported my score is contradicting the information on the report my personal information is incorrect and I feel like XXXX XXXX and Transunion have been discriminative towards my situation and very unhelpful and I'm unprofessional and resolving my issues

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 2017-08-16
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am disputing account number XXXX with Credence Resource Management since I have mailed quite a few dispute letters to the credit reporting agencies and it comes back verified every single time. They are declaring that I owe {$1900.00} to XXXX on my credit report. I have contacted Credence Resource Management to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

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