BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-01
Company: Experian Information Solutions Inc.
State: NV
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 Experian member services multiple times over the phone since XXXX to let them know that my credit score was being reported incorrectly. This situation is unique because the credit report is correct, however the online tool they are using to report the score is pulling information that reflects a 60 day delinquency that is not on the report ( see attached screenshot ). After contacting them many times, they determined it was a membership services issue, not a credit report dispute ( there is nothing negative to dispute on the report ). It required multiple calls and speaking with different supervisors before someone finally submitted a ticket to their customer care department to begin working on a solution. I received confirmation of the ticket Monday, XX/XX/2018 ( see attached ) after over 2 months of phone correspondence with no results. The ticket confirmation requested screenshots for further investigation. I provided the screenshot to them in an email on Saturday, XX/XX/2018 ( see attached ). I did not hear from them for a couple weeks, so I followed up by replying to the ticket Monday, XX/XX/XXXX and received a reply that only said they are still working on it. XXXX attached ). Experian is still reporting my credit score inaccurately and they have not resolved the issue that is impacting my score negatively after 3 months.

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 2022-01-26
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: TN
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:
Complainant has attempted since XX/XX/2019 to remove fraudulent accounts from his report that was contributed to ID theft. Complainant sent block request to all CRA 's beginning on or around XXXX of 2019. XXXX, and XXXX  complied with the block request, however, Equifax indulged in a " block game '' with Complainant. 

Complainant has submitted documents showing that Equifax blocked the items in question on two occasions ( XXXX 2019, XXXX 2019 ) just to re-report the items again on Complainant  consumer report. Not only are the actions of Equifax intolerable and has caused Complainant  severe harm, but they are a blatant violation of the Fair Credit Reporting Act. 

This will be the Complainant 's last request regarding this matter. Litigation will initiate if the problem is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am just finding out after 3 years that someone has incurred a bill and opened an account with XXXX back in XXXX XXXX, 2015. I DID NOT NOR HAVE NOT EVER HAD XXXX XXXX OR ANY PRODUCTS FROM XXXX! I am just being made aware of an account that was supposed to be had by me when i recently viewed my credit score on XXXX XXXX. It has had a negative and profound affect on my credit score and there is a derogatory remark on my credit report and I am currently disputing this claim against me and I further found out the name of the collection agency it was turned over to. I want this debt cancelled and erased form my credit profile because IT IS NOT MINE!!! Here it is two years later, only for me to find out that i have been a victim of fraud and an account has been opened with my name and I never had my id or license lost or stolen so how could this be? PLEASE I am asking for help in this matter and I never seen a bill came to my house or phone calls regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called Shell Point Mortgage several times since being notified my loan was being serviced released to them .... 

1. Your Customer Service Representatives are advising ACH payments can not be cancelled. Please be advised this is illegal 2. Your Customer Service Representatives are advising there are no reference numbers or confirmation numbers provided when a payment is pre-scheduled. This is a conflict, when I received two confirmation numbers from a former customer service representative when I set up my payments. 
3. I provided the Customer Service Representative with the correct account number and told her to ensure the 0 was added to end, so that there would be no problem with the posting of my payment. The representative failed to do this and had I not called in tonight to speak with you, my mortgage payment would have rejected. 
4. The Shell Point Mortgage Website doesnt provide accurate information regarding anything. One minutes it shows the scheduled payments and the next minute I cant see any of my pre-scheduled payments. 
5. The Shell Point Mortgage Website does not allow me to pay via online, I must call in to a Customer Service Representative 6. Shell Point Mortgage is violating the RESPA regulations which allows the mortgagor 60 days to address any loan issues. In fact I received 6 Intent to Accelerate letters from Shell Point prior to XX/XX/XXXX. My loan was serviced released to you effective XX/XX/XXXX. 
7. Shell Point Mortgage is deliberately making it difficult for mortgagors to make their payments, this is insane by failing to make the necessary updates on the system per the mortgagors request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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: Credit inquiries on your report that you don't recognize

Complaint:
While attempting to refinance my home, my credit report was pulled and I realized there are multiple inquiries on my report that I do not recognize nor did I give my permission to obtain. This includes inquiries from around the time I refinanced after my mortgage company advised they would be the only one to submit a request for my report and I also see past situations where I was told my credit would only be ran ONCE and that was not the case. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: BSI Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My loan was transferred from BSI Financial Services to XXXX XXXX. Date of transfer was on XX/XX/21. My account number under BSI is # XXXX. 

My concern is I am being charged astronomical amounts of money and NEVER notified as to what the charge was. The attached document from XXXX XXXX shows a Corporate Advance Adjustment ( one in the amount of {$5300.00} and the other in the amount of {$13.00} ). 

I am now just finding this out because of the year in statement received from XXXX XXXX. 

When I questioned representatives from both places they had no idea where it was coming from. 

When looking this up online, the definition points to some Lawyer fees relating to based on foreclosure. My home was never foreclosed on. I filed a chapter XXXX. BSI never sent me anything on this. 

If I am not refunded I will seek legal counsel if no one can help here. You can't charge people and not ever send any documentation to the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
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:
Dear, XXXX hospital, debt collector and credit agencies ruin my credit record/financial record. I had a deductible health insurance in 2XX/XX/XXXX. We have XXXX kids and their primary doctors were from XXXX hospital. We never had issues in 9 years with them, all bill were paid and no obligatory record yet. In XX/XX/XXXX, we had couple emergency visits in XXXX XXXX Hospital and a few doctors follow up in XXXX. I had a total of {$2600.00} deductible/year. Out of that I paid {$1300.00} for my portion and {$1300.00} left in total for family. My son was recommended some therapies in XXXX hospital. The XXXX XXXX hospital used wrong medical code for billing and sent me tons of bills. I had contacted XXXX in their billing department several times and other later on. None of their people helped me. Then I reached to my insurance facilitator XXXX XXXX and that was finally resolved. Later on the primary health care unit of XXXX acquired by XXXX XXXX hospital. Then our nightmare starts. Newer management start to send several bills without processing through insurance company. I called several times but never worked to my case. I made some payments worrying about bad. At the end of XX/XX/XXXX, I got mails and calls from another fraudulent debt collector American Adjustment Bureau,  XXXX, CT to collect a {$750.00} & {$120.00} bills. I told them, the insurance records shows that amounts were paid out and asked them to find the reality and send me the final bill if I still owe. They did not do that. At the same time, I reached XXXX XXXX, a broker agency to XXXX who have similar unprofessional XXXX. They changed words and fake report several times. All these agencies put me in trouble and I did not know what was going on. At the begin of XX/XX/XXXX, the debt collector reported my debt to credit bureaus. Then, I called debt collector, hospital and XXXX XXXX why they did that. The XXXX XXXX told me they paid bill in my daughter instead of my sons account. I already cleared my daughter bills but, the XXXX hospital, CT took money from me and insurance. The Connecticut XXXX Hospital overpaid {$340.00} for XX/XX/XXXXand still tried to collect from me. I paid out the due in my son 's account per their final work. The hospital assured me to send the overpaid money back and correct the credit report. Both things never happen yet. I filed complain in Better Business Bureau, The XXXX & XXXX both show the records deleted from record however, my credit score is veered off and collection record is still there. I never got the money from the XXXX hospital that I overpaid, the XXXX hospital still trying to still me and the hospital along with American Adjustment Bureau ( debt collector ) destroys my credit record. It is a big fraud. I am a hardworking of XXXX little children and this fraud destroys family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite providing specific information to the credit reporting agency as to the dispute, the credit bureau did not require the reporting company to verify that information. Rather, the allow the collection agencies to " verify '' a debt by simply looking at the account information and seeing the name on the account. When specific information is provided, the credit reporting agency has a duty to make sure that it actually " investigates '' that dispute, not just the name on the account.

In this case, I disputed the charges, not the account. However, the credit reporting agency only required XXXX XXXX XXXX to verify the name on the account. This does not meet the requirements of the Fair Credit Reporting Act

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 2021-02-03
Company: DIRECMANAGEMENT, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently check my credit report and notice inaccurate accounts from Direct Management inc with some alleged debts from {$350.00}, and XXXX.So, I sent them letters on XX/XX/2021 disputing the validity of the debts, and requesting documents of each account.I have also attached copies below for your viewing to assist me with the process.I haven't heard anything from them as of now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04
Company: EQUIFAX, INC.
State: VA
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:
In a recent pull of my credit reports from the credit bureaus my Mortgage with XXXX does not show up at all. Since I was in good standing with my mortgage this should show up with no late payments. When I made the complaint here about XXXX not reporting the correct information within months all information disappeared of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am unsure as to why Mr. Cooper has been sending me numerous letters in the mail. They are claiming that I owe back money to them when im fact I sent Payments to XXXX XXXX  XXXX. Mr Cooper has since mail to me XXXX letters from the beginning on XXXX after claiming to now have control of my Payments. I have sent them a request for information in regards to who the original creditor is on this account ect. I havent heard a response. Mr. Cooper is a horrible mortgage company, whos goal is to take people out of their homes! I am willing to expose their True fraud, by the way of the securitization process, and file a Federal Case for this company. I have sent them back their payment coupon ( security instrument ) in regards to the payment/ debt request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 got a copy of my credit report today XX/XX/2020 because I applied for a loan and I did not get approved because there are two accounts in negative standing and many inquiries that were not made by me. I did not give anyone permission to open these accounts in my name ; I do not have any written/verbal contracts with any of those companies nor did I allow any of those companies to run my credit. I did not benefit anything from any of these items reflecting badly on my credit and I have already filed a police report in hopes of getting this resolved.

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 2017-07-23
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
An unauthorized payment of {$270.00} was taken out of my bank account on XXXX XXXX, 2017, by Synchrony Bank. I did not authorize the auto payment and I want to press charges unless we come to a mutual agreement and settlement. I have already requested their proof of my authorizing the money/payment to be withdrawn and I have not received a response. I know it is illegal and I want this remedied. Thank you.

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 2018-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
The company still shows a string of delinquent payments. Still shows a balance of {$510.00} owed on the card. XXXX XXXX needs to show the account with no payment issues and no balance due. 

I still have not received the information regarding the previous action. 

This has been a 3-year ordeal and they have made multiple promises to address this, they simply don't. 

I expect the account to be either closed or open with a non-negative record. I still don't have the correct information with regard to the XXXX issue where their people were on the call with me while dealing with 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 2022-01-26
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2020-01-07
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 got a copy of my credit report today XX/XX/2020 because I applied for a loan and I did not get approved because there are two accounts in negative standing and many inquiries that were not made by me. I did not give anyone permission to open these accounts in my name ; I do not have any written/verbal contracts with any of those companies nor did I allow any of those companies to run my credit. I did not benefit anything from any of these items reflecting badly on my credit and I have already filed a police report in hopes of getting this resolved.

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