BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-15
Company: 21ST MORTGAGE CORP.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing this complaint to request assistance with what I believe is an oversight related to the national mortgage settlements. I purchased my home in XXXX, 2007 with what I now know was a predatory, adjustable rate mortgage loan through XXXX XXXX. I unknowingly received XXXX mortgages when I purchased my home because I did n't qualify for the purchase price of {$320000.00}. Somehow XXXX approved me by giving me XXXX separate mortgages on the same day ; a first and XXXX mortgage. When I realized what was happening I was already emotionally invested and on a deadline to move out of my apartment. I had never purchased or lived in a home for that matter and was nave to the business ; and the alliance between the realtor, seller, and attorney " suggested '' to me. My home is currently in foreclosure and only worth XXXX {$140000.00}. 
My 2 XXXX XXXX have been transferred several times over the past XXXX years. XXXX, XXXX, XXXX, 21st MORTGAGE, and XXXX XXXX XXXX have serviced me since that time. 
I received a letter from XXXX XXXX XXXX back in XXXX forgiving my second mortgage due to the settlement with the DOJ. I never received any offers or notices of settlements from the other mortgage companies ; and I 'm wondering why I was n't entitled to any relief or reduction in the first mortgage, which is now being serviced by 21st MORTGAGE CORP . I am bankrupt and in debt just because I wanted to live the American dream! What 's worse is I faithfully paid my mortgage for XXXX years- over {$120000.00} in just interest-and now I 'm losing everything because I had a reduction of income after the birth of my son XXXX. I did everything I could to keep my home. I filed for Chapter XXXX. Modified. I just could not keep up with the XXXX mortgages and payments to the trustee without choosing between food for my kids and paying all my other bills. I just want to know if I 'm entitled to anymore help after such a farce has wiped out my entire life savings and left me in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank agent threatened me and verbally abused me for owing a balance less thann30 days past to. I was asked to i have a job and where do i work and threatened. The agent also refused to make a payment arrangements and hung up in my face. Agent then froze my accounts for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2017-03-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'VE BEEN GETTING A LOT OF STRANGE JUNK MAIL LATELY, PREAPPROVALS FOR HOME EQUITY LINES OF CREDIT WHEN I DONT OWN A HOME. I HAVE BEEN GETTING AN EXTREMELY HIGH NUMBER OF CREDIT AND LOAN OFFERS AS WELL. THIS WEEKEND I DECIDED TO TRY AN IDENTITY PROTECTION SERVICE, XXXX. I SIGNED IN AND WAS SHOCKED TO DISCOVER THAT MY SOCIAL SECURITY NUMBER HAS BEEN CROSSED WITH SOMEONE ELSES. I HAVE AN ALIAS AND THEIR NAME IS NOT EVEN CLOSE TO MINE. I FOUND COUNTLESS ENTRIES ON MY EXPERIAN CREDIT REPORT THAT ARE N'T MINE. REVOLVING LINES OF CREDIT, MORTGAGES, LOANS, NAMES AND ADDRESSES I HAVE NEVER USED BEFORE AND PLACES I 'VE NEVER LIVED. SOME OF THIS INFORMATION CROSSED OVER ON TO MY XXXX XXXX REPORT AND XXXX REPORT AS WELL. I ALREADY CONTACTED EXPERIAN AND THEY ARE IN PROCESS OF REMOVING XXXX ACCOUNTS AND XXXX PAST ADDRESSES FROM MY REPORT. I HAVE BEEN AT THIS ALL DAY AND I AM SIMPLY EXHAUSTED. I AM UNABLE TO GET THROUGH TO XXXX BECAUSE THEY ARE CLOSED ON THE WEEKEND. I 'M TOO TIRED TO CONTACT XXXX XXXX TODAY. ODDLY ENOUGH, I RECENTLY DECIDED TO PURCHASE A HANDGUN. WELL, I ATTEMPTED TO PURCHASE ONE. I WAS UNEXPECTEDLY DENIED THE PURCHASE BY THE INSTANT CHECK SYSTEM. I COULD N'T FIGURE OUT WHY OR WHAT HAPPENED. MAYBE THIS HAS SOMETHING TO DO WITH IT. I HAVE NO IDEA HOW TO FIX THIS PROBLEM AND I CERTAINLY DID N'T CAUSE IT. I ALSO HAVE NO IDEA EXACTLY HOW DEEPLY COMBINED THIS DATA XXXX UP IS.

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 2022-01-31
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:
DESCRIPTION OF COMPLAINT : This is a formal complaint against Equifax located in XXXX XXXX XXXX, XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary XXXX  XXXX XXXX  distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of 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 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 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 2016-04-12
Company: Physicians & Dentists Credit Bureau
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
after pulling my report from XXXX noticed a large debt that was reporting different amounts on the credit bureau and i was never contacted that was not paid by my dentist office. explained to the creditor i was not aware of this debt. was not given any info but told me the amount to pay was XXXX for a XXXX debt that accrues at 1 % a month not paid. i cant pay what i do n't know i owe if any. my dentist office agreed to accept the balance from a non profit which they talk to and confirmed on the phone. i 'm not sure why XXXX family dentist did not contact me to say they did not receive the pledge promised years ago. i contacted them today XXXX/XXXX/16 and was told they kept the debt in their office for 1 year before sending to collection. they had my address and phone number but chose not to contact me. i informed them that this would roll off my credit shortly but i did not know about this until now. i was too sick in the past to worry about this kind of stuff because i have a home health aid who is suppose to make sure all this kind of stuff is taken care of. i 'm disable and not able to handle things like this and on XXXX of only {$1000.00} a month from SSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On or about XX/XX/XXXX when I had just turned XXXX, I applied online for a Discover Credit Card. I did not get a co-signer for the credit card application, and as a full-time XXXX XXXX XXXXt at the time, I only had nominal earnings, such as, babysitting. Perhaps my yearly income was around {$300.00}, and I did not provide any income verification, like pay stubs, as I only did the occasional job. I am now a XXXX XXXX, who just finished her XXXX XXXX, and only work during summers. I am still financially dependent on my parents and have substantial student loans. I am not earning sufficient income to support a credit card. 

According to section 301 of the Credit Card Accountability Responsibility and Disclosure Act, XXXX, which relates to extension of credit to minors, a consumer under XXXX years of age must meet one of two requirements before opening a credit card : The application must either include the signature of a co-signer who is at least XXXX years of age, or provide financial documentation of ability to repay debts accrued from the usage of the credit card. 

I did not satisfy either of these requirements on my online application. Therefore, this financial institution circumvented these terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: PROVIDENT FUNDING ASSOCIATES
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I locked in my mortgage rate for a refinancing with Provident Funding. The lock expires today X/XX/2017. Due to Hurricane XXXX, the process was delayed causing the rate lock to expire before closing ( earliest is on the XX/XX/XXXX ). I asked for a rate lock extension but Provident Funding has refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Since XXXX XXXX & XXXX XXXX - XXXX, errors made in my account. 

Reporting me late when I was not late, they were confusing bank accounts on records, and there is money on both bank accounts. 

Giving credit $ per month for having auto pay & direct pay with bank account., and taken it out and not delivered on them. 

Reporting me late to the credit bureau. 

Changing the due date without notice, the date The I have since XXXX. 

And so on, Many errors they have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 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 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 2019-10-21
Company: OSG Group Holdings, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I was contacted by a XXXX XXXX from OSG Billing Services at XXXX XXXX regarding a payday loan with XXXX  XXXX  XXXX. She asked me if I was willing to voluntarily deal with this debt. I replied yes twice to this person. She told me she was going to send it back as 'refused ' This is fraudulent information she is reporting about me regarding my account. I asked for contact information for the company several times while on the phone with Ms. XXXX. She would never provide me with a mailing address for this company. I guess this is their gas-lighting procedure that they do. If you don't comply with what they want they lie about the outcome. I have been harassed by this company for months. They called my parents home today. My parents have nothing to do with this. 

I call the number back and ask for the company address several times. I get the run around. Nobody will give me the contact address. I called back to ask to speak to this Ms. XXXX and it goes to her voicemail every time. She knows she was acting unethically. 

I emailed an email address for the company telling them that I can not put my statement on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
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: Credit inquiries on your report that you don't recognize

Complaint:
Credit checks were conducted against my credit file by XXXX as listed in the below complaints to CFPB. I want to be sure that the credit reporting bureaus are not listing credit checks from XXXX ( or its partners XXXX on my credit file. I have no service in my name with XXXX. I never authorized them to check my credit. 

CFPB Complaint # XXXX : XXXX ( XXXX XXXX XXXX ) CFPB Complaint # 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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Company is reporting incorrect/ incomplete and invalidated information to credit reporting agencies. 

There has not been an original contract or deficiency date provided to me. 
I have not been provided IRS documents for write off. 
Company is reporting my debt they resolved with IRS on my behalf on my Credit report. 

Company has not validated debt in time allowed. Its been over 60 days.

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 2021-02-20
Company: TICE ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i went to XXXX XXXXXXXX to get a XXXX XXXXwhen i signed in i asked the woman if i was in network and she said i was.i then saw XXXX XXXXXXXX.he only talked to me and then sent me to someone else to do the test.when i came to the front desk they told me i am out of network and wanted XXXX  dollars instead of XXXX.i told them i did not have XXXX but insisted on XXXXwhen i called for the appointment i asked how much and they said XXXXwhen i got there they said XXXX.after i saw XXXX  who did absolutly nothing they want XXXX dollars.so i li feel i owe nothing after blatenly lied to left the office without getting my XXXX XXXX.i feel i owe nothing considering what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX my VA loan was purchased from XXXX ( my lender ) by NewRez ( a relatively new mortgage lender ). I received some information regarding the transaction, but not the information on where to direct new payments. I followed verbal information provided by phone. All my payments originated from my online payment account. Although all payments were initiated in a timely manner, New Rez claimed one payment was delayed in processing and filed a delinquent payment report against me. This meant that I was not eligible to use my VA loan benefits for an extended period of time. 

None of my efforts to resolve the issue with New Rez were successful. I paid off the mortgage and moved on. My concern is for service veterans victimized by New Rez. If they purchased a portfolio of loans from XXXX, chances are good that many of those loans are with either retired or XXXX XXXX personnel. XXXX XXXX personnel in particular are likely to be vulnerable to incompetence and inadequate staffing at New Rez. My hope is to shine some light on a problem that will result in loss of VA loan benefits by current and former military personnel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
Portfolio Recovery Associates placed two collection accounts on my credit report without any prior written communication about this at all. It seems Portfolio Recovery Associated purchased these accounts ( 1. XXXX & 2. XXXX ) from another creditor in the amounts of {$1000.00} & {$1500.00} respectively. I request that you please verify the following... 1. Full original account numbers. 2. Date original accounts were opened. 3. Any written agreements between myself and the original creditor stating that these debts are owed. 4. Full account summary on how the charges added up to {$1000.00} & {$1500.00} respectively. 5. Date of first delinquency. If Portfolio Recovery Associates are unable to provide the above identifying account information, this information must be deleted from all CRAs. Portfolio Recovery Associates also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame.

Company response to consumer: Closed with explanation