BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
im a victim of identity theft someone got hold of my XXXX credit card and used it which I did contact the company right away but for some reason they want me to still pay for something Im not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Address XXXX XXXX XXXX XXXX XXXX Fl XXXX I was in a forbearance for my mortgage payments DUE TO COVID 19 and was also offered a deferment to move my missed payments to the end of my loan. In the month of XX/XX/2021 I finally got my old job back and Shellpoint mortgage offered me a loan modification and I started making new payments again in XX/XX/2021. Shellpoint HAD PROMISSED that they weren't going to report me to the credit bureau due to the National COVID 19 situation only to find out that Shellpoint did report me to the credit bureaus and will still report me for up to six additional months until I finish my trial period for my loan modification. 

I contacted them and they don't want to help me at all. I need to have good credit score in order to keep my current job position.

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 2022-04-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received several phone calls from a company called XXXX XXXX over the last few weeks stating they are attempting to collect a debt. When the calls come it is not a real person on the phone it is a prerecorded message it doesn't indicate who the call is for it just is telling me to visit there website or call them back, but they never leave a phone number to call them back at. when they called on XX/XX/2022 the call went to my voicemail so when i listened to my voicemail I had the option to call the number back that called me which was an automated system asking me to enter my SSI # which i did not do as I don't know who this company is. After calling them back and since that time they have been sending me text messages demanding me to go onto there website or call and make a payment through their automated system. There are 3 agents send me text messages XXXX, XXXX and XXXX. After asking multiple times who this debt is from they finally stated that it is from HSBXXXX ( which I have not had an account with HSBC for XXXX years ). I contacted HSBCXXXX and they stated that they have no collection case that they have turned over to XXXX and that they are not a client of XXXX. I was directed by HSBC XXXX department and the fraud department to ask for a Validation of Dept. I have asked for this several times from all 3 XXXX rep and have been told me that they will not provide this to me until I provide them with payment. The phone numbers that are texting me are XXXX, XXXX, XXXX & XXXX. The phone numbers that have been calling me are XXXX, XXXX and numbers that come up as scam or XXXX ( scam Likely ). The Rep XXXX keeps stating that I am stalling by asking for a Validation of Debt and that he is escalating this to the bureaus. He has stating in his messages that once he does this it would effect my credit and abilities to get future loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've called every credit company and even sent in mail, and my addresses don't match up and the chargers don't match up, as well as I've seen hard and inquires hit my credit.

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 2021-11-17
Company: NVR INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am currently building a new house and had authorized my builder and their lending company to perform a hard credit pull back in XXXX ( XX/XX/2021 ) which they did. The problem I have now is they have done another hard pull on XX/XX/2021 without my consent and without informing me. I want this to be taken back and delete the hard inquiries from XX/XX/2021 from my accounts. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: EQUIFAX, INC.
State: NJ
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 continue to get inquires for credit I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Midwest Recovery Systems
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was checking my credit report and noticed a " new '' collection account had been added that adversely affected my score. The collection Company listed  is Midwest Recovery. Listing   XXXX   XXXX   XXXX  ( there are no locations in Colorado  ) as th e original debtor. First red flag. I proceeded to call them and find out what is was they could not find any collection under my name. They asked of I used another name and I gave that to them. They found the account. They proceeded to tell me that the account was from  XXXX   XXXX . Second red flag. I have not used my previous name since late  XXXX . Which means this collection is older then  XXXX  and was most likely part of my bankruptcy filed and discharged under my former name in  XXXX . I am looking to have these collections " fully removed '' from my credit reports not just closed. I have also found out th at Midwest Recovery is not licensed to do business in Colorado and believe they either bought this debt without checking the pap erwork or are trying to resurrect it. Please advise. I have filed a complaint with the Attorney General 's Office here in Colorado and they are investigating. When I advised the person at Midwest I was going to file a complaint with the Attorney General they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
On  XXXX   XXXX    XXXX  , I submitted two payments to  XXXX  USAA credit cards for  XXXX   XXXX  posting. One for {$50.00} and another for {$350.00}. The {$50.00} payment posted on  XXXX   XXXX  and was available for use on  XXXX   XXXX . The {$350.00} payment was placed in a pending status, the funds cleared my  XXXX  account on  XXXX   XXXX , but the service representatives I spoke with on  XXXX   XXXX  did not do anything to make the funds available. Because of this, my daycare payment will be late and I will be charged a lofty late fee. In nearly 8 months of having both of these credit cards, neither has ever had a hold placed on a payment for more tha n 1 business day ( hence m y reasoning for posting a payment for  XXXX   XXXX  - to give it 2 days to post ). The representative and his superviso r (   XXXX   XXXX  and  XXXX   XXXX   ) were  only able to tell me that this was standard USAA practice to place funds on a 7-8 business day hold and there was nothing they could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We received an appraisal through PHH Mortgage which we've paid for.. We found them very hard to work with do to the amount of paper work needed, so we decided to switch lenders or brokers. After many attempts of e-mailing, and our loan officer trying to contact PHH. they refuse to forward the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: MO
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:
Hello, I requested a few accounts to be removed since they were inaccurate, they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/2021 I filed a fraud disput with school first because I was cheated by the XXXX XXXX XXXXy who charged me for the service repair tgey never provided After all this time on XX/XX/2021 I received a letter that Schoolsfirst wants a proof of I paid a fee for the service which its {$150.00} XXXX email and the fax number doesnt work and they arent helping at all after all this time not only they failed to resolve now tgey caused me extra head ache This past Sunday I fell and broke my knee and my husband is out of country I am by my self and cant drive School first thinks I made all this up and disregard my saying that email they gave me wont go So without resolving my issue after 6 month they took XXXX {$150.00} out of my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: EQUIFAX, INC.
State: MS
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 several inquiries on my Equifax report. They have supposedly completed investigation in less than 24 hours, reporting they have factual record of file access. I have requested they send me " factual records '' & it has not been provided. For car financing inquiries, it was requested at dealership that my they not 'shotgun ' my credit, meaning not to send to multiple financing companies.  XXXX  representative stated to me that they would not do a hard inquiry when starting services. Representative stated she need to do a soft pull just to make sure I did not have a balance from an old account. I have made multiple attempts to contact  XXXX  and they continue to transfer to someone who speaks broken English and can not understand my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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: Account status incorrect

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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  # XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked Portfolio Recovery Collection Agency to not contact me by phone but only in writing to the address they have on file since XX/XX/2021. They have continued to call me and even argue with me instead of simply contacting me by mail only. I have a screenshots of just a few calls but almost daily I have been receiving phone calls from this company instead of them contacting me by mail as I have requested. They have even started calling old friends and some family members in attempts to contact me. Here is a log of the phone calls I remembered to keep record of. 
Wednesday XX/XX/2021 they called me at XXXX from XXXX Tuesday XX/XX/2021 they called me at XXXX from XXXX Sunday XX/XX/2021 they called me at XXXX from XXXX XX/XX/2021 they called me at XXXX from XXXX XX/XX/2021 they called me at XXXX from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
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: Investigation took more than 30 days

Complaint:
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I sent a letter to XXXX disputing 6 accounts as fraud on XX/XX/XXXX via fax with return receipt. After receiving no response after 30 days, I again sent a letter to XXXX  on ( XX/XX/XXXX ) via the online CFPB consumer complaint portal. I received notice via that same CFPB portal that XXXX received the dispute letter on ( XX/XX/XXXX ). As of XX/XX/XXXX XXXX responded back to the CFPB complaint stating what has been removed and what has been verified without proof of method of verification used and well after 30 days for the 2nd time. Federal law that protects my rights as a consumer states that credit reporting agencies have a total of 30 days from receipt of a debt validation request to provide proof or remove accounts. XXXX continues to violate my federally protected rights by displaying their disregard for the law by responding after the 30-day threshold. It is now ( XX/XX/XXXX ) and I still have not received a response from XXXX  in writing other than a later than 30 day notice through the CFPB online portal. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2022-04-26
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Firstly do not add a fraud alert on any of my reports! i am in the process of closing on a house and I saw these unknown loans, I have never seen these accounts. I have informed all bureaus of the violation of listing false accounts and they have not removed them. I asked for proof and nothing has been done. As a consumer I have no obligation to pay back this alleged debt and I want these account removed. The late payments are very damning and I am exhausted with this situation. on all three reports the information is reporting different dates, i asked the company for proof and nothing. when i call the bureaus they say the company says its accurate but the company can't provide me proof so what pro does the bureaus have to back up that the information is correct? this has harmed me and i am loosing sleep I have even had to see a doctor. when I called the CFPB they said all the bureaus has blocked my complaints. I have sent my passport a bill my social card and my license what more do they want a blood sample to prove it is me submitting for the removal? I will sue if they choose to ignore me XXXX more time! this is outrageous and i am sick and tried.

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 2022-03-22
Company: JPMORGAN CHASE & CO.
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 have provided evidence regarding identity theft on my credit report to both a credit bureau ( XXXX ) and the lender ( JPM Chase ) however the lender claims that the identity theft dispute is a " civil '' matter and XXXX will not conduct an independent investigation, all they are doing is simply asking the lender to confirm the validity of the account balance, which the lender insists is valid. The identity theft that I am describing was perpetrated by my father, who would apply for credit cards using my identity for his own personal gain. He would make mandatory minimum payments on the cards without any intention of paying them off. After he died in XX/XX/XXXX, payments ceased, and it adversely affected my credit score. Evidence I have provided to support my claim of identity theft is as follows : 1. Police Report with the XXXX XXXX XXXX Sheriff 's Office naming my father as the perpetrator and discussing the case matter 2. Letter from XXXX XXXX stating that a bank account in my name which was used to make payments on the JPM Chase credit card was not created by me, instead was created by my father when I was a minor. 
3. JPM Chase statement showing a {$13000.00} payment processed at a business controlled by my father 4. Articles of Incorporation showing the business was controlled by my father.

I have contacted JPM Chase repeatedly regarding the matter. They have either ignored my evidence that I presented to them by email on XX/XX/XXXX and XX/XX/XXXX, or they have simply stated that the matter is a civil one between my father and I. I have asked them to produce a copy of the original credit application and they have not honored my request.

Company response to consumer: Closed with explanation