BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: Murphy Law Office, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt occurred from a XXXX XXXX XX/XX/XXXX. I tried working with XXXX XXXX XXXX as I am on XXXX XXXX XXXX They suggested XXXX XXXX that I did not qualify for. I explained I would try to send in payments when I could, however being on fixed income and all incoming medical bills the payments were not as quickly as they wanted. They then sent debt over to XXXX XXXX. I contacted them on XX/XX/XXXX to explain situation and ask for financial assistance and did not receive anything. Then this went to XXXX XXXX XXXX XXXX XX/XX/XXXX. We again contacted them and tried to send in {$5.00} payments when I had the available money. XXXX then sends to : Murphy Law Office in XXXX, Ohio phone number : ( XXXX ) XXXX. 

I contacted this law office, spoke with one of the attorneys, who very rudely told me I was n't paying enough. I again explained situation and told them I understand the debt am trying to pay it but do not have the funds to pay this debt in full and will have to send payments in. Murphy Law Office has  continued to call my cell phone, if calls are missed they refuse to leave msgs and when I call the office back I 'm getting a voice mail. I have left SEVERAL messages on the office voice mail to again try to work out payment arrangements. This last time I left a msg was XX/XX/XXXX because we sent a {$10.00} payment to the office. We have no form to submit with the payment. Have asked repeatedly how this should be and how applied and they refuse to contact me or have not cashed this check. The attorney or employee I spoke with was extremely rude and arrogant and threatening. There is no reason to act that way or threaten me. 

At this time I think we need a mediator as I do not have a job, have a XXXX at home and trying to provide a roof over her head. This harrassment and threatening action is uncalled for as well as unlawful collection. I would like the company and situation reviewed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the XXXX XXXX XXXX  to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). Acct # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX are accounts not to be listed on my credit file someone else used my identity.

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 2022-08-04
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This company appeared on my credit report about 3 years ago, with a debt that shows from 2008. They have called my mother tell her that I had an emergency situation and that they need to get in contact with me. They have called my local union hall and relatives. 

I have requested that Navient validate the debt on 3 different occasions, once over verbally and twice in writing. I have filed with fraud claims with all three credit bureau and have successful at removing item from one. I reached out for legal advise and the stated that I should file my complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO ME THAT I HAVE NO KNOWLEDGE OF NOR BENEFITED FROM THESE FRAUDULENT INQUIRIES AND ACCOUNTS

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 2019-12-27
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently filed a complaint with the XXXX regarding Bayview Servicing mortgage company. Recently I refinanced my mortgage through a different mortgage company to get away from Bayview. The customer service is horrific and each time you call a representative tells you something different the information provided is consistently inconsistent. I have made over a XXXX attempts to contact Bayview regarding the my XXXX mortgage payment which was paid on XXXX XXXX, 2015. When I requested a payoff statement the statement indicated that monies was due for insurance, mortgage payment and " potential late fees. '' This evening I spoke with a representative and she stated that she has limited supervisor support in the evening and could not provide me with any information regarding my account. The representatives are not knowledgable regarding the product and/or services that Bayview offers. Please help me with obtaining any and all funds owed to me by Bayview. My loan that was sold to Bayview is paid and full which included inappropriate charges. I called many many times to challenge the pay off amount and was told that the amount was correct. The loan was paid off and now I have to fight with Bayview to get my money back. They are rip offs and should not be privileged to service mortgage borrowers. I have spend hours and hours on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.

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 2021-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and I do not have a contract with PORTFOLIO RC plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: OH
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 I was under the mortgage modification program with XXXX XXXX. I follow the plan with payments. All payments were on time. XXXX XXXX reported my mortgage late 60 days to all credit bureaus. I called to dispute this with XXXX XXXX and they said there is nothing they could do for me to correct the mistake. I disputed the information with the credit bureaus and XXXX XXXX did not correct the error. I received a letter from XXXX XXXX XXXX saying they made the error. This error caused my refi request from XXXX XXXX XXXX to be declined. This error cost me Thousands of Dollars in interest because I could not refi the XXXX XXXX Loan. I am still paying 1.0 % over the current rates today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING LLC is trying to collect on a consumer credit transaction that I entered into with another company. They are violation my consumer right pursuant to 15 USC 1692 ( d ) ( 3 ) by listing alleged debt on my consumer report. They are also violation my rights by saying I owe a debt in the positive pursuant to 15 USC 1692e ( 2 ) ( A ). I requested LVNV FUNDING LLC to validate alleged debt pursuant to 15 USC 1692 ( g ) and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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:
This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a " XXXX  XXXX XXXX '' XXXX checking account with PNC during XX/XX/2022. As per account promotions, if i maintain a balance of $ XXXX in this account, I was suppose to get {$500.00} as cash back bonus. From XXXX XX/XX/2022 till XXXX XXXX XXXXmore than 90 days there is no {$500.00} cash back bonus even when the average daily balance was more than $ XXXX. There were good amount of banking errors and unnecessary fees that PNC charged and I need to reach out to PNC immediately for that and they waived off that fees after that. Please refer the statements for last 90 days, average ledger balance was always $ XXXX or more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-06
Company: CL Holdings LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX account was opened in XX/XX/2017 and it has a balance of {$450.00}. Ive called XXXX several times to resolve this and theyve yet to rectify it and its reporting on my credit. Also, theres a XXXX XXXX bill on my credit, opened XX/XX/2017 with a balance of {$1900.00}. Ive contoacted them several times and even attempted to do a payment plan because its on my credit. Its unfair because this is not and was never my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019, I requested that Equifax block information which was reporting on my credit report as a result of identity theft, pursuant to 605B of the Fair Credit Reporting Act. 

I provided a valid identity theft report from a Police Department which listed the account in question, a copy of my identification and a request to block the account. The account had already been appropriately blocked by the other two credit bureaus, Transunion and Experian. 

Equifax failed to block the account. Equifax failed to respond to my calls and written communications. Instead, on XX/XX/2019, within 48 hours of the request, Equifax sent me a form letter which stated that it " is not blocking the information '' pursuant to section 605B ( c ). '' Equifax failed to provide any facts whatsoever or explain how the basis for its determination, within 48 hours, that : " ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. '' Instead, Equifax urged me to " contact the source '' directly, file a CFPB complaint, or " obtain documentation from creditors showing an account does not belong to you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: LEXISNEXIS
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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed unverified information on my Equifax credit report more than once. Equifax claims they can not find my credit file after sending the necessary documents they have asked for. The first dispute was sent to Equifax on XX/XX/2019 asking them to verify the accounts in the amounts of {$5400.00}, {$460.00}, {$470.00}, {$450.00}, {$400.00}, {$960.00}, {$860.00}, {$2000.00}, {$1400.00}, {$1000.00}, and {$200.00}. The second dispute was sent to Equifax on XX/XX/2019 with the same accounts, and amounts. After Equifax received my disputes they still claim that they can not find my credit file after I sent them the necessary documentation again notarized. They have failed to verify these accounts in the proper manner which they have to according to the Federal Law. They have failed to send the contracts with my signatures, or any audio/ video that proves this information is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-04-07
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were denied request for assistance on the loan modification. CHFA is not taking any of our phonecalls. I call and they hang up. I call regarding my existing loan and they take more than XXXX hours to answer and then " accidentally '' hang up. I feel they are forcing me to lose my home. They have never tried to call me to fix my loan, they are foreclosing without properly notifying me or my family. I have a family of XXXX currently living at our home. I am trying to modify my CHFA loan and they continously deny and close all of my requests after I have provided them with everything they ask for. Its not fair or ethical at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.

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 2019-12-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.

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 2018-12-03
Company: DISCOVER BANK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To Whom it may concern, I currently hold a student loan with Discover Student loans. 
I have been making monthly payments since I got the loan. 
This month ( XX/XX/2018 ) I decided to pay the full amount of the loan, USD {$20000.00} I paid before my monthly due date and USD {$57.00} today, XXXX2018. 
The bank argues that due to the fact that it is a large amount of money and that its an international wire transfer, its taking more days than usual for the bank to confirm reception of the funds. 
I already sent proof that the payment was sent. 
The bank has me on 9 days delinquency status since they have not received the funds. 
I am requesting that the delinquency status gets deleted and that my cosigner is not contacted since I already made the payment and sent proof of it. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation