BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.

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 2016-11-11
Company: Performant Financial Corporation
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX each quarter tried to take away my funds. They reduced my grades, they never paid my balance from XXXX and approved me for XXXX. I never received XXXX degree after completing courses. They said I owed a balance ... have XXXX loans all federal in default. 

I only have letter stating I met the requirements for a degree. This has hurt my employment. 
I feel scammed by this university.. :

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 2022-04-19
Company: Genesis FS Card Services, Inc.
State: NV
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 spoke with a representative of this company and I was promised that the late payments would be removed from my credit reports if I paid the balance on time and got in good standing. I have paid off the balance and my account has remained in good standing for years but this company never honored their promise to remove the late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
THIS PROBLEM HAS BEEN GOING ON SINCE XX/XX/2022. I JUST SPOKE TO XXXX FROM THE XXXX XXXX TAX OFFICE. @ XXXX. SHE JUST CHECK FOR THE REFUND PROCESS AND NO REFUND HAS BEEN REQUESTED FROM SHELLPOINT AT ALL REFERENCE PROPERTY TAX # XXXX IN THE AMOUNT OF {$6000.00} ISSUED BY XXXX XXXX XXXX  XXXX IS THE COMPANY WHO SENT THE CHECK TO A TAX ACCOUNT THAT HAS BEEN PAID IN PULL SINCE XX/XX/2022. SHELLPOINT MORTGAGE HAS ALREADY SAID 2X SINCE XX/XX/2022 THEY REQUESTED FOR A REFUND. THEY ARE LYING 100 %. NO REFUND HAS BEEN REQUESTED AT ALL. YOU CAN CONTACT FOR YOURSELF AND PROVIDE MY TAX ACCOUNT AS WELL GO TO THE LINK AND TYPE IN THE REFUND ACCOUNT # AND THE STATUS SAYS NO REFUND CHECK ISSUED. SO WHY IS SHELLPOINT MORTGAGE LYING??????? AS WELL I HAVE BEEN PAYING INTEREST ON THAT {$6000.00} SINCE XX/XX/2022. INTEREST IS OWED TO MY ACCT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently went in to open a bank account with XXXX bank at the same time I was attempting to rent an apartment. I was taken by surprise when I was denied XXXX. I have been working on rebuilding and establishing good credit for nearly 8 months now. I have managed to get a starter credit card which I use and pay in full and on time each and every month. I also secured a line of credit, adding {$1300.00} to my utilization and having a debt of {$700.00} and an income of {$5000.00} plus Monthly. I have XXXX items in collections for medical bills {$400.00} and a very old credit card that I have disputed tirelessly because I applied for the card, realized they were charging me XXXX fee for a XXXX line of credit and I closed it that very next month. I am now being charged for that fee and refuse to pay as the company was sued that same year for those high fees. That will come of in XXXX anyway but nevertheless was denied removal. I was taken back when I realized that my credit score had dropped nearly XXXX points. This particular score of XXXX came from Experian, I believe when XXXX in XXXX was XXXX and has dropped to the low XXXX and XXXX whom also dropped my score over XXXX points raised it back up to XXXX this week. I have sent numerous letters and have not received much by way of communications. I have contacted an attorney because I feel that they agencies are not doing their due diligence in accurately verifying data as well as managing the livelihood of people fico scores. My daughter and I have been denied a home because of this sudden drop in score, where it should have been increased not decreased. I have a range in scores of a XXXX point difference between all XXXX agencies and I find that very strange as I HAVE NOT HAD ANY CREDIT FOR OVER 6 YEARS. I lived off of cash alone, assuming no debt. The XXXX medical bills and that awful credit card are the only items on all XXXX reports with different dates and amounts as well. I feel this is unfair and inappropriate conduct. In this case the agencies succeeded in keeping a family homeless and ripped to shreds by fear and stress. They must understand the importance of properly upkeeping someones credit history and score as it effects every area of our lives.

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 2016-09-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian is reporting incorrect personal information that I have sent multiple times to remove it. 

Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Social Security Number : XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2022-04-19
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The original owner of the mortgage was my sister, XXXX XXXX XXXX who passed away on XX/XX/XXXX. In her will, she designated me as her Successor/Trustee prior to her death. The POA was effective XX/XX/XXXX. 
Since then, I have tried to communicate with Quicken/Rocket Mortgage that I am the successor/trustee and have submitted the legal documents as were given to me by my sister 's attorney. 

I also submitted the unrecorded grant deed to the XXXX XXXX because the County Recorder took many months to return the deed to me. I was willing to resubmit the recorded when I received it if Quicken/Rocket requested it. 

The recent submissions to Rocket Mortgage on XX/XX/XXXX were : ( see all attached ) Certificate of Trust Successor, Certificate of Trust Pursuant to Probate, XXXX ( notarized ) ( Notarized sheet ) Declaration Pursuant to XXXXProbate Code Section 13100 Original Declaration Pursuant to California Probate Code Section 13100 The final letter I received dated, XX/XX/XXXX, states " We are unable to confirm you or the potential successor you am representing as a successor in interest at this time for the following reasons : Quicken is asking for all pages of the Trust Government issued ID 's for beneficiaries ( of which they only have one of the childen 's ). The children are under the care of the guardian mother and they have failed to respond to my requests for their ID 's. I was told by Quicken that the children failed to respond to Quicken 's request for their ID 's, last year. 

As Quicken is refusing to recognize the Attorney 's legal documentation giving me the right to act on the behalf of the XXXX, I fail to see how their seeing the Will is going to guarantee their willingness to speak with me. I still can not force the children or their guardian mother to send the ID 's to Quicken/Rocket Mortgate. 

I am protesting Rocket Mortgage 's request. I have asked repeatedly for someone to speak with me regarding this loan. They have refused informing me they are not authorized to speak with me. I have received the legal documentation giving me the right to sell the property when the time comes. I also have the taxes paid each year since my sister passed away and records from the IRS that were sent to me to aid in the process of paying her taxes. 
I believe Rocket Mortgage is acting wrongfully against the XXXX XXXX XXXX XXXX XXXX and the children who are the beneficiaries. 
I seek to resolve this problem as an aid to fulfilling my due diligence to my sister 's will. 
Sincerely, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: iFreedom Direct Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
1. The Closing Disclosure is wrong and inaccurate it does not account for the Items pre-paid by this buyer/borrower of which both invoices and canceled checks have evidenced those payments for : WDO inspection, Water Test, Survey & VA Appraisal Made by the buyer/borrower who is an unrepresented XXXX individual. ( as per SSA & VA ). 
2. And the lender appears to not be willing or able to take or accept delivery of and payment of two ( 2 ) advanced payments [ for XX/XX/XXXX & XX/XX/XXXX ] and is inasmuch instructing this borrower to make said payments payable to ( XXXX ) a subsequent [ not yet transferred to ] service entity for the pending ( set to close on XX/XX/XXXX ) mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Credit Card Receivables Fund Incorporated
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. The information which appears on my credit report is not my debt. I have spent countless hours and dollars seeking a resolve. I have notified the creditor and XXXX of which has failed to remove the accounts. The initial police report was filed in 2007, since that time XXXX more reports have been filed. The person is still using my information, as it related to XXXX of the theft incidents ; XXXX XXXX has made XXXX arrest. The XXXX XXXX Police Department has advised me to contact the social security XXXX, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items that should be blocked or deleted are :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: RGL Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent RGL Associates a request for XXXX XXXX on XX/XX/2022. Below is what I requested : " Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. ( The HIPAA authorization form ) Cease any credit bureau reporting until the debt has been validated by me. '' on XX/XX/2022 I received a response via mail from RGL Associates. They provided a detailed breakdown of ALL of my medical procedures and medications given, and did not provide a signed HIPAA form releasing said PERSONAL information to be sent to a collections agency. This is honestly embarrassing for strangers to have my personal medical information which is a direct violation of my privacy rights. I only have documentation ( sent to me by XXXX ) with my signature authorizing the release of my medical information to my spouse, the original hospital and any referral physicians.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: GA
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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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  -Untitled { Consumer disputes this account information Medical Subject has not satisfied debt ., XXXX, XXXX } XXXX - - - - - - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
"

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 2015-10-18
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have repeatedly had difficulty accessing all three credit reports and scores for the purpose of disputing information. Without purchasing monthly monitoring, I have not been able to access my reports aside from a monitoring service ( ProtectMyID ) provided by a medical company due to potentially compromised personal information. The information provided through the ProtectMyID website ( Experian ) indicates significant incorrect and derogatory information on my report. This is extremely problematic and has made it impossible for me to obtain credit that is necessary for business related travel and expenditures. Not only has it been impossible to obtain my credit reports through the XXXX major bureaus, I have been unable to dispute the incorrect information ; thus, leaving me with a false indication of my creditworthiness and inability to rectify the errors in a timely manner. From what I have been able to view on my credit report, accounts that do not belong to me, as well as incorrect dates ; amounts ; demographic information ; etc., remain on my report and I have not been able to get this corrected despite repeated attempts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
US Bank has engaged in an illegal criminal falsification with accounting fraud, bank fraud, wire fraud, mail fraud, and stalking involving a female employee I have never met and persists in diverting US mail, returning refused mail, falsifying claims to third persons that I " use a false address '' to the US Post office, and responds to any request that they at least get the XXXX out of my US mail with more flat refusal to comply and have " cut off all public services '' nationally in retaliation for the excessive consumer dispute required to force them to drop it as a entity that keeps claiming falsely that they have some lawful dispute that they have been " harassed '' by CFPB into dropping. 

Which is also why they divert the US mail and require that I sue them to force them to stop diverting US mail and are at this time dragging me through the Postal Inspectors and Inspector General as they contacted somebody at the Post Office to get them to keep illegally redelivering refused mail, to the point of forcing my business to change mailing address too as stalking and criminal pursuits aided and abetted by US Bank as an entity continue to be the crux of the problem and the point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-04-19
Company: Navient Solutions, LLC.
State: VA
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 paid off my personal loan ( amount {$770.00} ) with Navient as of XX/XX/XXXX. At this point in time the matter was handled as a pay to delete. On XX/XX/XXXX, I spoke with XXXX XXXX ( a XXXX ) as well as XXXX ( a rep ) after receiving a statement saying my settlement was a payment and that I still had a large balance due within a few weeks. I was informed by XXXX that everything would be handled and to disregard the statement notice. 

Please note that Navient continues to report a negative payment history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite this account being settled in full. Moreover on XX/XX/XXXX I spoke to XXXX who reported that my account was showing settled in full and it would be removed from all credit reporting. On XX/XX/XXXX I spoke to XXXX who sent me an additional letter from Navient reporting my account was closed with a XXXX balance. XXXX further reported that it would take approximately 60 days for this account to fall off my credit reports. XXXX then instructed me to call the credit bureaus and dispute this account myself if it was taking too long for them to recitfy. 

On XX/XX/XXXX, I called and spoke to XXXX who reported that all she could do was assist me by opening up a ticket ( # XXXX ) and that she could not give me a time estimate on the completion of this issue. 

After repeatedly disputing with the credit bureaus to no avail, Navient needs to be held accountable for reporting inaccurate payment history and failing to have this account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am receiving calls from Conn 's Appliance Company at least 12 times per day which is ridiculous. I was late on my XX/XX/XXXX payment however, the payment was sent. I have had an account with them for over 3 years and this is the first time I have EVER been delinquent. I was late because of fraud on my bank account that has taken a while to get resolved and I am still in the process of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX/ account # XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a comsumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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