BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Midwest Recovery Systems
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midwest Recovery Systems altered date that a charge-off was entered by 9 yrs. Charge-off was removed from my credit report almost 2 yrs ago. Midwest Recovery Systems changed date of last payment in order to put debt on credit report .Then offered to remove if I agree to a settlement. Resulted in almost a XXXX point drop in credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Good Morning, This debt has been settled and paid multiple times. However XXXX  XXXX  and XXXX  continues this fraudulent behavior. I have tried contacting them, along with Equifax. These were all settled in XXXX or 2015. For {$1700.00} {$2700.00} and {$2000.00} which were negotiated and paid with XXXX XXXX XXXX in XXXX XXXX. This has caused me to go homeless because of greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Credit International Corporation
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My company ordered products for another company which was using stolen credit cards. I did everything in my power to identify this company as a legitimate company. XXXX ( My credit card processing company allowed transactions to go thru even though the company name on the credit card did not match who actually owned the credit card. There practices allowed this fraud scheme to work.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I'am complaint about Green Tree Servicing LLC out of XXXX, AZ XXXX add a bad report of XXXX onto my credit report also why I have not receiving a offer before Green Tree placed this on my credit report. This has cause harm to my credit in a unfair way of conducting business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I called XXXX in reference to them reporting the payment history on the account due to receiving correspondence from Equifax and XXXX saying that they could not locate a credit file for me. I spoke with a rep from XXXX XX/XX/2021 around XXXX XXXX  CST. They pulled my record and said that within 48 hours I would be contacted due to my issue. I was told they report your payment history to the credit bureaus at the end of every month. The rep could not understand why I was having this issue of not having a credit file. She said I have been paying for two years, no late payments, payment history is excellent according to their website. So how do their reasons apply to me as far as not having actively used credit in the past ten years, have not applied for credit recently or have not lived in the United States or have not been issued a U.S. Social Security Number. 

This is outrageous because I just pulled my credit scores on XX/XX/2021 showing the balance for car payments from XXXX on XXXX website. So far I have not received anything from XXXX yet, but if I do I will upload that correspondence information also. 

I did not try to fix this issue because I just found out about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
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 information incorrect

Complaint:
I am distraught that Equifax has incorrectly reported my payments to XXXX  for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have written to Equifax several times for that incorrect information to be removed and to no avail, they neglect my request. And now, I suffer with such negative information showing on my credit report and thus presenting a horrible score that prevents me from growing financially. Consider this complaint as a formal request for removal of the referenced inaccurate information. I have attached PROOF that I paid XXXX  for each month referenced above and I expect Equifax to change the payment status for the XXXX credit card account to Current, never late. I highlighted the proof for easier understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: Experian Information Solutions Inc.
State: SC
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 have been working on getting feedback about a few account reporting on my credit report. I have been reaching out to XXXX, XXXX and Experian for a few months now and have received no response. I mailed out my final letters on XX/XX/2021. Each of the letter mailed out on XX/XX/2021 were sent certified. Tracking number listed below : XXXX XXXX XXXX The items in question are : XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) ( XXXX ), XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX  ( Original Creditor : XXXX  XXXX  ) ( XXXX ) Please have the XXXX, Experian and XXXX delete these items from my credit report 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 2021-09-26
Company: Rent Recovery Solutions
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Rent recovery date assigned XX/XX/2020 has been on my credit file saying that i owe them {$6800.00} and i never did business with them but they are reporting on my credit reports with negative information trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My name is XXXX. I have called and written countless letters to both XXXX ( Only 2 that 's showing ) about this issue of Someone else ( Ex wife ) School loans.. I had No knowledge this was even on my Credit history and I have NEVER Co-signed or agreed to pay {$30000.00} of her school loans ... .Through my investigation prior to XXXX XXXX did not show Me : XXXX of owing any school loans, which is Correct! The young lady that I spoke with said and I quote : '' I see what you 're saying XXXX, This Loan is from XX/XX/XXXX for a XXXX ( Now XXXX ) Your name does n't show up on her ( This ) acct until XX/XX/XXXX " .. I have done everything that I know to do.. She had to have forged my signature on paper or electronically on or before XX/XX/XXXX Per : Representative My information shows up on XX/XX/XXXX .... I would 've never known the month of XXXX if the Representative I was talking to did n't tell me .. I want and need all of my information attached to XXXX school loans removed and off of my credit.. I need HELP! I desperately need help.. This problem is hunting and hindering me .. Please somebody, anybody Help me.. I have Documents showing my signature if need be, if that 's needed to compare the two signatures ( Her forging my signature, if it was forged on paper ) I do n't know what else to do..Thanks in advance Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: Security Credit Services, LLC
State: MO
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:
Placed in collection XX/XX/2021 and the asking balance is {$810.00} which i dont even know this company nor did business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
XXXX was appointed to handle my property XXXX is in control of my assets. However the corporation that is holding the trust and beneficiary property as well as my children legal heirs to their father XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had fraudulent charges made on an account I used to have with well 's Fargo, ( XXXX XXXX XXXX, MN location ). I disputed the charges with the bank, but they never resolved the issue and claimer they believed I made the charges. I even filed a police report about the charges, and contacted the MN XXXX, but Well 's Fargo responded over and over claiming they believed I made the charges. They also put this as a negative mark against my credit score and had a debt collection agency contacting me. The debit card claim number for my dispute over this ordeal is XXXX. A total of {$3400.00}. 

I felt like I had nowhere else to turn, until I recently found out about the CFPB. I have the copy of the police report, and copies of the report I made to the MN XXXX, along with the response letters from Well 's Fargo.

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 2021-09-26
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX ( XXXX XXXX ) XXXX I applied for this card Not sure of date After having the card awhile I was " Offered '' to receive a Flower print card.. I filled out the form and a new card... NOT another card a new card came in mail. Balance was same. Because to start a New card You had to pay up front {$89.00}. the website is XXXX which You can see what is offered. The card has no amenities, ,NO chip, can only pay one way cant rent!! minimum {$300.00} and they charge {$8.00} plus interest every month. with a balance or not forever!!! As my credit got better Offers came in and I wanted to close the card eventually. 
What they did issued the new card and did not close the other.. as I paid the bill, I was informed after 60 days.. I was late!! I did not pay my other card. After them acknowledging the ERROR.. the information returned on my report and Ive Disputed it several times. I am holding these people accountable to this. I will go further with the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Homeowner received letter of collection from XXXX XXXX XXXX. The letter advised unless there is dispute the validity of the debt or any portion, there was thirty days to respond which HOMEOWNER requested validation of debt with cease / desist response. XXXX XXXX XXXX ( XXXX XXXX ) statedXXXX XXXX XXXX does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to Wells Fargo Bank, you can ask them for the papers. 
Wells Fargo Bank XXXX XXXX home preservation specialist stated Wells Fargo Bank had not received any information from attorney XXXX XXXX XXXX. Wells Fargo Bank informed XXXX XXXX informed HOMEOWNER, he needed to call XXXX XXXX XXXX. 
The XXXX Georgia Community Organization OCCUPY OUR HOMES XXXX reported XXXX XXXX, XXXX Wells Fargo Bank Mortgage/Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX contact : XXXX XXXX has been instrumental in assisting banks in their effort to steal wealth from hard working Georgia residents. XXXX XXXX has excelled at putting people out of their homes and into the street. 
XXXX XXXX for going the extra mile to swiftly remove people from their homes so that banks can claim massive inventories of vacant homes, collect insurance, and then sell homes to private equity firms at record rates.XXXX also played a key role in the robo-signing scandal. In fact many fraudulent robo-signed signatures were signed by XXXX XXXX personnel. Robo signing may not have been possible without the tenacity of XXXX XXXX. XXXX XXXX has, and they certainly have profited greatly. HOMEOWNER asked XXXX XXXX XXXX Assistant Attorney ( XXXX XXXX ) about verification and XXXX stated what Wells Fargo tell them is good enough for them. 
HOMEOWNER never did receive any verification from cease and desist letter submitted to XXXX XXXX XXXX attorney firm. 
On XXXX XXXX, 2013, Wells Fargo Home XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX REPORTED XXXX WAS HOLDER OF DEED AND PROMISSORY NOTE ON LISTED PROPERTY. WELLS FARGO HOME MORTGAGE WAS SERVICER FOR XXXX XXXX XXXX. When HOMEOWNER reported that XXXX XXXX XXXX had reported not to be lender of deed. XXXX XXXX XXXX RESPONDED WE JUST GO BY WHATC WELLS FARGO Bank tells us. which IS FORECLOSURING ON FOLKS ON HERESAY AND NOT INVESTIGATING FOR LEAGALITY .... 
XXXX XXXX XXXX ( XXXX XXXX ) statedXXXX XXXX XXXX does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to Wells Fargo Bank, you can ask them for the papers. 
Wells Fargo Bank XXXX XXXX home preservation specialist stated Wells Fargo Bank had not received any information from attorney XXXX XXXX XXXX. XXXX XXXX informed XXXX XXXX XXXX, he needed to call XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Unfortunately I am upside down on my home by {$100000.00}. I just received a Mortgage Statement showing {$200000.00} due by XXXX XXXX, 2015. I am self-employed and my business/income has dropped considerably. I contacted " Keep your home California '' which stated that I qualified for a Principal Reduction however the company that is carrying my note, HSBC, will not allow me to participate. I asked if I could at least get help with their other program that helps with relocation and moving expenses. I was again told that HSBC would not give permission for me to receive help there either. This is wrong! I originally had my loan with XXXX, which I was told went bankrupt which left me stuck with HSBC handling the loan. " Keep Your Home '' stated XXXX was n't even on their list, but my notices show XXXX for payoffs.The only programs they will allow is to catch my payments up then I 'm stuck with the same payment which put me into this trouble to begin with, along with I have to pay those payments on time, ca n't sell or refinance for 5 years. If I default with this program for any reason, then I owe all of that money on top of the original amount. I really need a program which can lower my loan payments permanently, not keep adding to my problems .Without any help, at my age, I can potentially end up in the streets. If there is any way of helping, please. I would be eternally grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Around XX/XX/XXXX, I received a letter stating that my FHA loan will now be services by Nationstar Mortgage XXXX d/b/a Mr. Cooper. My monthly payment was increased from {$1300.00} to {$2300.00} without any explanation. I was asked to contact a XXXX XXXX XXXX at XXXX. When I contacted her, she asked me to pay {$4000.00} via cashier 's check. I have not received an statement on my loan since XXXX, XXXX. In XXXX XXXX they asked me to send another cashier 's check of {$5200.00}, which I did. Last week, I received a notice from a legal firm XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX representing Mr. Cooper about a foreclosure. I have attempted to contact Mr. Cooper at the provided numbers many many times. The phone call just drops.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
first let me start by saying I do not owe anything that is in collections, I have had nothing show on my credit report as owing a debt, and I have received no notices in the mail regarding owning a debt that is in collections. This company Sequium Asset Solutions located at XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX repetitively call me and my mothers phones from spoofed local numbers when I do not owe anything that is in collections. When I called the number back, instantly there was a recording to state you were calling Sequium Asset Solutions and then rambled off a debt owed amount without even speaking to someone or confirming who was on the line ( isn't this illegal? ) once I was connected to a representative and I asked to not get phone calls anymore, they instantly hung up on me before I could even muster that sentence out of my mouth. This company also TEXTED my phone before with a link to collect debt, obviously I did not click this. I am concerned this is not a legitimate company, collecting on debts that are old/do not belong to people or are scammers. The calls have been going on for a week now and finally today ( XX/XX/2020 ) I have had enough. This " company '' uses very deceptive practices. I also noticed upon a quick XXXX search of this " company '', numerous people have stated the same or similar events.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I honestly dont remember the debt. I went ahead and told them that but also took responsibility to clear my name. I ended making a one full payment for the collection and they assured me they were gon na remove the collection from my report. It has been its been 45 days since they day I paid it off and it still shows on my XXXX report. I never received a payment confirmation letter or anything other than a confirmation payment. That was told to me over the phone they said I was going to get a letter and they were going to take that out of my credit. I called them again and they told me now that they dont remove collections that is going to show as paid collection, when I was told otherwise to convince me to pay it off. I dont even have my full account number. I just know the original creditor is SPEEDY CASH and the collection was paid to XXXX XXXX XXXX. My name is XXXX XXXX  XXXX XXXX and my social security is XXXX.

Company response to consumer: Closed with explanation