BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I recently challenged the validity of XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureaus ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account 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 2016-03-21
Company: SFS, Inc
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Hello. I have couple loans that it is hard to pay right now. I have financial difficulty and I am having trouble paying other my bills too. I just need some solutions, please. I am really looking forward to hearing from you soon. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX XXXX XXXX XXXX on this afternoon regarding the information on my credit report. I had a bad history with the financial institution but paid off a past due credit card in addition to a closed checking account as of recent. They allowed me to open not only a new checking account but also a business checking account. My credit score with XXXX is a over XXXX, with Equifax my score was nearly XXXX & my XXXX score is almost XXXX. On today, XXXX XXXX reported negative & inaccurate information which dropped my Equifax score nearly XXXX points, I was told by them to contact Equifax & they were no help either. I want this paid tradeline removed from my report altogether because its been showing derogatory on my report since the account was paid in full back in XXXX XXXX is also negatively reporting a hard inquiry on my credit for an auto loan pre approval that shouldnt have been a hard pull, I received an email back saying that they wouldnt update the information. If this keeps up then I may need to contact my attorney to get this information deleted from my reports

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

Complaint:
I sent in a dispute letter to your company about some items on my credit report. 
The following accounts XXXX XXXX XXXX shows 2 missed payments and XXXX XXXX XXXX 1 missed payments and XXXX XXXX  servicing is showing late payments I sent that letter and still have not gotten any response from your company under fcra you have to remove those late payments because you Equifax didn't do your job. under usc 1681 ( a ) ( 4 ) unfair reporting of information before consulting with me the natural person is illegal. you don't have proof that the alleged transaction took place. You are furnishing unverified information based off one sided information. and your company had a conversation with the corporation without my knowledge without my permission. 

1. ) you didn't investigate my dispute letter i sent on XX/XX/2021 it has been well over 30 days 2. ) you are reporting unverified information on my consumer report without my permission and knowledge Please remove these late payments and accounts immediately or I will be sending your company a invoice of XXXX dollars for each violation under fcra 3. ) 15 U.S. Code 1666 All supporting documents will be attached to this cfpb complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Central States Recovery, Inc.
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I Called the collections agency at XX/XX/2017 XXXX check the status in my account because was show is my credit report without any information o letter from that company, when I explain I was dispute portion and I request validation of the debt they claim since they do n't have license in Minnesota they cant mail any letter, but they can report it.last month they updated another account in my credit

Company response to consumer: Closed
Consumer complaint received 2016-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was constantly getting harassed on my cell phone and at my former job by this company. Not only would they continue to call after being told to stop, they would call from a different number. They have called me from at least XXXX different numbers and over 100 calls. I paid this just to stop the harassment not even knowing if the debt was mine or not. When I actually looked into my credit and asked for debt validation, all I get is my name and an amount owed, which I have no idea about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data 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 non-monetary relief
Consumer complaint received 2020-06-14
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: Was not notified of investigation status or results

Complaint:
I've sent letters out certified over 60 days ago and have not been notified. as a consumer i feel like these predators are taking advantage of normal people

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I use to have a XXXX Credit card that was opened in XX/XX/XXXX. The Credit card was Paid off in full before I closed that account, yet EXPERIAN is reporting it as placed on collection XX/XX/XXXX through a company called XXXX XXXX XXXX and is being reflected on my credit report as being in collections. 

Why is the credit card that a consumer paid in full and closed being reported being forwarded to collection agency. This is Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practicesThis information should never have been reported to or forwarded to a collection Agency XXXX XXXX XXXX for a credit card that a consumer paid infull before closing. This should not even be listed on my credit report as being in collections. since when was a full paid credit card been forwarded to collections?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-01-31
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
When my loan was transferred to Freedom Mortgage from XXXX ( XXXX Mortgage ) my payment went up about {$100.00} a month. Freedom says they have a bill from XXXX XXXX, that my taxes are {$270.00} a quarter. I'm a 100 % XXXX veteran, therefore my taxes with XXXX XXXX are only {$92.00} a year. I've verified that with XXXX XXXX XXXX on line prior to writing this email. That was paid in full on XX/XX/XXXX. Therefore I'm now paid in full on taxes until XX/XX/XXXX. 

Therefore, I have no idea why my payment has gone up {$100.00} a month or why Freedom Mortgage thinks then taxes are {$270.00} a quarter. 

XXXX in servicing was awesome, I spoke to a lady in the tax department and she was awful, even hung up on me. 

Thank you in advance for your help! 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 explanation
Consumer complaint received 2022-01-31
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi sent me a letter and fraudulently closed my credit card account that I have had since 2012 stating I was not using the card as intended. I am the original creditor and was using the card as intended and am very distressed that the card was shutdown.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt Collector : Caine & Weiner ( C & W ) Account # XXXX Creditor : XXXX XXXXXXXX XXXX I settled the referenced debt with Caine & Weiner, attached is proof the debt was paid. Today, XX/XX/22 I received a letter from C & W collecting a remaining balance of {$340.00}, letter attached. It is my understanding that once an account is settled, the debt collection agency can not contact us. Please assist us in getting this resolved. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: EQUIFAX, INC.
State: CA
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:
During Equifax 's data breach, my social security, driver 's license, and credit history was taken. All information that was taken could be used to remove freezes from my financial accounts, gain access to my financial, and impact me for the rest of my life. 

They then tried to take away my ability to seek legal counsel or pursue this through lawyers, after their top CEOs made XXXX XXXX dollars and waited 40 days to release the breech. They then attempted to extort people to know if they have been breech. They then collaborated with other credit reporting agencies and third party services, such as XXXX XXXX, to charge their victims for their failure to protect data we did not want them to collect. 

They continue to try to extort me for money to secure my financial information by attempting to charge me for services to monitor my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
My wife opened a prepaid card for me with Capitol One. She accidentally gave them her social instead of mine. We gave them the opening deposit, an automatic payment from our account. When we went to use the card a few months later we found it had been closed, because of the social being wrong. They would not and have not returned the deposit money despite hours on the phone with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Reliant Capital Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX I was advised by this company that the debt would be deleted from my credit if it was paid but shorty after returning the call, a different agent informed me that this wasn't true. I advised the agent to stop calling me because of how rude he was when speaking to me. 

On XX/XX/XXXX I receive another phone call from a rep name XXXX, I informed her to stop calling me and once again she hangs up the phone in a rudely manner. I called the company back and advised them that I was recording the call and that they needed to cease from calling my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
Hi, I have owned a XXXX AMEX credit card for the past two years. This particular card has sat in my home safe since I 've received it. It 's never been held by anyone, never been used. This past month I receive a statement that shows I owe {$0.00} ( that is correct, XXXX cent/penny ). I am pasting my statement below to show this fraudulant charge. Since nobody has or have accessed my card sitting in my safe, logic dictates that XXXX XXXX XXXX added this made up charge to my credit card. 

XXXX Page XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/2016 Account Information : XXXX Payment Information Account Summary Mail billing inquiries to : New Balance Total XXXX {$0.00} Previous Balance XXXX {$0.00} XXXX XXXX XXXX Current Payment Due XXXX {$0.00} Payments and Other Credits XXXX XXXX XXXX XXXX Purchases and Adjustments XXXX XXXX XXXX XXXX TX XXXX Total Minimum Payment Due XXXX {$0.00} Fees Charged XXXX XXXX Mail payments to : Payment Due Date XXXX XX/XX/2016 Interest Charged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Warning : If we do not receive your Total Minimum Payment by New Balance Total XXXX {$0.00} XXXX TX XXXX the date listed above, you may have to pay a late fee of up to {$35.00} and Customer Service : your APRs may be increased up to the Penalty APR of 29.99 %. Total Credit Line XXXX {$7500.00} XXXX Total Credit Available XXXX {$7400.00} Cash Credit Line XXXX {$750.00} ( XXXX TTY ) Portion of Credit Available for Cash .... {$750.00} Statement Closing Date XXXX XXXX Days in Billing Cycle XXXX XXXX Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total Purchases and Adjustments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 monetary relief
Consumer complaint received 2016-12-09
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently refinanced with XXXX. The mortgage company servicing the loan is Shellpoint Mortgage Servicing XXXX Inc. XXXX months after my re-finance, ShellPoint raised my mortgage from {$1200.00} per month to {$2000.00} due to an " escrow shortage ''. They believe that my school tax had risen from {$3000.00} per year to over {$9000.00}. After contacting them several times and providing clear information about what the school tax actually should be, they still have yet to fix the issue, nor can they provide me with the actual bill that states {$9000.00}. I 'm running out of time before my payment is late this month, but I do n't have {$2000.00} to pay every month for my mortgage. I tried getting this fixed last month and it still has n't been fixed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
someone used my information that resulted in this account being opened from fraud ... this company is reporting it when i have never had any services or authorized any accounts for this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My original loan servicer XXXXXXXX XXXX sold my loan to Freedom Mortgage in XX/XX/XXXX. In XXXX my loan was approved for a forbearance program thru XXXX. I was able stop the forbearance and request a XXXX XXXX XXXX in XX/XX/XXXX. My trial payments started in XXXX. First 2 payments were made on time with XXXX and final with Freedom in XXXX. I was told then by Freedom that I would receive documents in the mail from Freedom in regards to my modification and to not make payments to the loan until that information was completed. It is now 5m later and I still have gotten no where with the modification. I call several times a month for updates and am always given a different answer. The first 2 months they stated there was a delay due to the number of modifications needed and accounts they had purchased. Then I was told they were working on items being sent out to me via fed ex. Last month I was told they had just received the approval documents from XXXX and that the underwriters should have information out to me shortly. Now today I called and being told they don't have a approval from XXXX and the underwriters are still waiting for that information. When asked to talk to a supervisor I was then put on hold for 20min and a rep came back to tell me that they don't have any documents in regards to a modification and a packet needs to be sent out to me and that I was not able to talk to anyone. A supervisor would call me back within 5 business days. All I want to do is get this loan cleaned up from the mess Covid made and start making my payments as needed. Every time I call it seems I'm constantly getting a different answer and things are going backwards with no end in site.

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 2015-07-24
Company: Bonneville Billing and Collections
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Check issued to Bonneville Collections in Utah. Check contained conditional endorsement & a full pay. The exact amount that was my credit report. They were contacted to report/update they have refused since XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX sent me a notice of repossession for a carXXXX XXXX. ( I cured it by selling the car and paying off the balance IN FULL ). However, prior to me doing so, they repossessed the car ILLEGALLY by having the company they hired illegally walk onto our private property and break into our closed locked garage door... then removed the car! This is absolutely illegal. Repossession agents are not allowed to break into private property ( open a garage door ) to repossess a car. 

They then proceeded to act unethically and without any care in the world for how it affected my credit scores ... by inaccurately reporting it for years on ALL 3 CREDIT BUREAUS, first as repossessed, then after many years they put redeemed repossession, both wrong. An illegal repossession can not be reported on one 's credit bureaus, the account MUST BE REMOVED ENTIRELY, or changed to ONLY positive reporting. I have written them for years, wasted so much time, emailing letters, mailing physical certified letters, and calling them requesting they remove my account entirely since it is inaccurately reported and has caused me serious credit damage. They REFUSE to correct my credit report and are still reporting it as repossessed. 

Please make them remove the entire account. They should also pay me damages for causing me credit damage. Sincere thanks.

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 2015-05-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On XXXX XXXX, 2015, I requested by phone, my free annual credit repory from all XXXX credit reporting agencies. It was indicated that it would take fifteen ( 15 ) days to receive my reports. As of today I have not received any reports or any correspondece.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief