BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-03
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am not the person owing this company anything.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please CORRECT the items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXX XXXX Date XXXX Balance : {$2400.00}, XXXX XXXX Date XXXX Balance : {$9700.00}

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 non-monetary relief
Consumer complaint received 2020-01-17
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX account I had had been canceled and equipment had been returned to store in XXXX. About a year later around XXXX of XXXX a XXXX rep called trying to collect on a debt before it was sent to collections. After talking to them for quite some time I was able to get it sorted out and took a screen shot of my XXXX account showing a paid in full status with {$0.00} balance on XX/XX/XXXX. Rep told me they would send a letter but a letter never came. In XXXX Jefferson Capital showed up on my credit report showing an account that they were collecting on from XXXX. I've disputed this account multiple times and each time they verify it as accurate. I recently was able to get the screen shot showing a zero balance off an old phone. When I disputed and included this screen shot they still verified the debt as accurate due to the submitted document being an image file and not a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Using an app connected to my bank account ..bank not refreshing status as often as they should

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 2017-08-23
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I purchased an investment property with a pay option ARM loan ( number XXXX ) with an option to increase my principal borrowed by 10 % which I could use to borrow against to help pay my monthly interest, much like a line of credit. During the years XX/XX/XXXX thru XX/XX/XXXX IndyMac Bank only reported the interest I borrowed on the original amount of the loan and not the additional borrowed interest, that they referred to as deferred interest. In XX/XX/XXXX OneWest Bank acquired IndyMac Bank and in XX/XX/XXXX when they foreclosed on my property they provided me with a Form XXXX that included the unreported interest ( Deferred Interest ) in the original principal amount which is reported in box 2. of the Form XXXX. The instructions for Form XXXX specifically do not allow for interest to be added to the principal in box 2. Therefore I am requesting IndyMac Bank-OneWest Bank-CIT Bank provide me with a corrected Form XXXX or corrected Form XXXX for years XX/XX/XXXX thru XX/XX/XXXX. I have attached copies of my documents and Bank documents. The Bank 's loan history documents match my figures to the penny.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have called experian and XXXX  XXXX multiple times. I have put in a fraud alert. I have reported it to identity theft.gov. I cant even log into experian because my mother made an account and opened fraudulent accounts. I have done everything i can starting XX/XX/20 nothing has happened.

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 2020-10-06
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our Mortgage company Mr Cooper/Nationstar for the last couple years has over charged our escrow account only to refund money later in the year. I have requested for them to change the time frame in which they do their recalculations multip times ... currently they recalculate in the middle of the XXXX XXXX  and XXXX XXXX  tax payment and our XXXX Insurance payment ... which is the most opportune time for the bank to pad the escrow account. Recently I requested for our escrow account to be discontinued because of their inability to accommodate, service and provide clarity on our escrow account. They are now claiming that we do not qualify to remove our tax and insurance and escrow account because of a covid forbearance payment that was due in XXXX being made in XXXX. In XXXX we made the XXXX and XXXX Payment on time, and we were just trying to be cautious in-case something worse than Covid took place. We live in NJ and XXXX and XXXX were very difficult times. We have never been late on a Mortgage payment with Mr Cooper in the 5 years that we have the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Bonneville Billing and Collections
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Bonneville Collections in XXXX Idaho refuses to provide me with the names of the original creditors and the amounts so that I can verify the debts. All they will provide me with is the total amount due and no names of original creditors. They refuse to do so saying that they do n't have my current address and until they have it they will not give me that information. I have a recording of our conversation as proof of this refusal to provide me with the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicing company has not released my mortgage with the county and it has been over the allowed time frame under ORC section 5301.36. In Ohio, a lender must record the satisfaction of a residential mortgage within 90 days from the date the mortgage was paid off. If the mortgage lender fails to comply with this requirement, the borrower may recover, in a civil action, damages of {$250.00}. This provision does n't prevent the borrower from seeking any other remedies that might be available to him or her. See ORC section 5301.36.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: NV
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 Account # 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 an account without my written instructions. 

-The following Accounts : -Original Creditor : XXXX as serviced by XXXX  -Debt Collector XXXX XXXX XXXX -Open Balance : {$6700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed incrrect informations and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: RSH & Associates, LLC
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My ex husband owes XXXX plus dollars for my son 's medical bill. First the debtor tried to pin the debt on my son who was XXXX when he had XXXX. 

I got that issue resolved by complaining to the Attorney General. 

Despite me giving my ex husband 's Name, Address, Phone Number, Social Security Number and Divorce Decree stating he owes for medical, the debtor, RSH & Associates is now going after my husband ( my son 's step father ) - even though I have it clearly in writing by the debtor stating : 'It is my understanding that XXXX XXXX is 'not financially responsible for your son 's account. That was my error, I apologize. I have corrected that in our system. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company began sending collection notices regarding a XXXX bill in mid 2015. I immediately contacted XXXX to find out what was going on. They had no record of my having any outstanding balance, and in fact all my payments were auto-draw from my credit card account, which I still have in spite of my moving from Alabama in 2015. It would be unlikely that they would have missed their opportunity to draw, even if there was some amount owing. I informed the company, Credit Management LP in XXXX, TX, and heard no more until this last spring, where they repeated the demand. I responded in writing this time, and told them that they had to prove it, and to echo their demands of 30 day compliance, I gave them 30 days to respond. Today I received another demand. No explanations, just another demand. I do n't know what sort of powers they have to affect my credit rating, but should that happen, I will be forced to contact an attorney. In summation, this is a demand of which I am not familiar, of which XXXX seems to know nothing, and to which the Credit Management company does not respond as their own letter proscribes that they will and must. Can you be of some help with this?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX and Im submitting this complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, MO XXXX XXXX  XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2016-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax refuses to investigate credit inquires I have disputed this with the cfpb multiple times and no change from Equifax Equifax continues to state that I must contact the creditor if I disagree with the inquiry but Equifax continues to display inaccurate info at the expense of my credit score and credit reputation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: OneMain Finance Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have ( 2 ) loans with One Main Financial in XXXX, Ohio. I have been paying this loan for several years and the interest rate is very predatory. Another problem I am having with this company is that One Main Financial will call me every day harassing me on when Im making my next payment after the monthly payment has been made! One Main financial has flooded my voicemail to the point I cant receive messages! This Harrasment has been going on for 8 months..I have already spoken to the County Prosecutor and will be pursuing further action. Im Ohio this is called telephone Harrasment XXXX XXXX I will be also filing with the Ohio Attorney General Office. For a company ( One Main ) to harass and intimidate a customer is definitely unjustified! The interest rates are predatory and illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In the late XXXX, my then-husband and I took out a Sallie Mae consolidated student loan. The amount was between $ XXXX. We have been paying on average $ XXXX for the time since, with the exception of a short deferment after our son was born and needed XXXX. Because we divorced in 2001 and we were not permitted to separate the loan we for a few years sent our payments in separately and on time. We did n't realize for a few years that we were being charged late fees. Why? We were n't late on payments during that time. It affected both our credit. This loan payment has been an extreme burden, and we currently, almost 20 years later, owe about $ XXXX. How could we possibly still owe that much after making payments all these years? It 's mind boggling. It 's because they 're corrupt. What they 're doing is a scam, and I feel like it we went to court, we would win. We 've even asked them to provide documentation of our account activity and charges. They will not. We have applied with a payment reduction program, and more than once they 've tried to RAISE our payment to a {$1000.00}! We ca n't afford that. It is not legal. It ca n't be. Who is going to hold them accountable? I know of other people who consolidated with them and are in the same insane boat! Please help!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-01-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've disputed this information with Equifax numerous times and have proven that they have this information invalid and that it does n't match any record whatsoever and they failed to remove these from my reports as well as provide the court docs that prove they have it accurately listed. I require that these are removed immediately. I am including the public records pate of my credit report as well as my dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Shellpoint Mortgage Servicing sent letter dated XXXX/XXXX/15 advising that we have not provided all documentation for loss mitigation program. I have questions and I have called XXXX XXXX at Shellpoint every business day for six days. Her voice Mail says she will return the call within 24 hours. She has not returned my calls. Her message says press XXXX for further assistance when I press XXXX the message says No one is available to help you, call back. Shellpoint has given us a deadline to submit documents yet it has been six days of daily telephone calls and leaving messages with NO RETURN calls from XXXX XXXX or anyone else at Shellpoint Mortgage Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I previously disputed a charge on XXXX XXXX  for {$1000.00} on XX/XX/17 with Capital One and asked Capital One to block the charges so that no future charges come through from that merchant.

Company response to consumer: Closed with explanation