BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  # XXXX DOES NOT BELONG TO ME. REMOVE FROM MY CREDIT REPORT!

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 2022-01-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EXPERIAN REFUSES TO VALIDATE AND VERIFY THE ACCURACY OF AN ACCOUNT ON MY REPORT! THEY AREN'T EVEN PROPERLY INVESTIGATING THE MATTER! 

PER 15 USC 1681 CREDIT BUREAUS HAVE A GRAVE RESPONSIBILITY of the following : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I WANT THEM TO STOP REPORTING THE XXXX XXXX ACCOUNT AS CLOSED WHEN IN FACT IT IS OPENED! I HAVE A LETTER FROM XXXX XXXX  THAT THE BUREAU REFUSES TO HONOR. 

REPORT THIS ACCOUNT AS OPENED 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 non-monetary relief
Consumer complaint received 2022-01-30
Company: ALLY FINANCIAL INC.
State: AL
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:
The auto loan accounts are displaying inaccurate and inconsistent information. Some credit bureaus are reporting late payments and others are reporting current. The car loans were paid off in XX/XX/XXXX and XX/XX/XXXX. The accounts are paid off and they are closed, resulting in an inaccurate credit report.

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 2022-01-30
Company: Freedom Mortgage Company
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I sold my home at XXXX XXXX XXXX XXXX XXXX, Ky XXXX and closing was on XX/XX/2022. It was financed with a VA mortgage through Freedom Mortgage. I am due the balance of my escrow account of approximately {$1100.00}. After 3 weeks I have still not received payment and each of the three times I have spoken with a representative from Freedom Mortgage I get a different vague explanation of why I have not received payment. My Freedom Mortgage Account number is 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 2017-07-20
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
****resubmitting complaint XXXX for second account on my credit report as this was not sent to debt collector-file is blank****. In early XXXX, my husband and I began to investigate items on our credit reports. After seeing many strange items on our report - we went to the credit bureaus to initiate an investigation. Shortly after submitting a request for verification - We received a response from this RMP company in regards to 2 derogatory items on my credit report. Unfamiliar with the information that they sent me, and since I now had the contact information for the debt collector themselves.. i sent a letter ( attached ) to the creditor asking for further verification. When i asked for further verification to the collection company as to what this was and to verify that this belonged to me ... their response was that they were not required to verify twice. I am incredibly confused by the information that has been submitted to me and do not see how in any way this verifies that the debt was mine. I have been making payments on things that i have had in collections, attempting to do the right thing, but after further evaluation we have realized that we are paying on things that we thought were taken care of already, are old, or just are n't ours, and we are trying to figure it all out so that we can do the right thing. The paper trail does not make sense, and with the lack of and vague responses from the debt collector i am not confident that what is provided is accurate. RMP 's dismissal of my additional attempts to verify a debt that IS NOT MINE is unlawful. This item needs to be deleted by this debt collector as no further verification has been provided that this debt is in fact mine. RMP is being very suspicious in its collection of my debt in ignoring my request for additional verification and is not following the appropriate laws for assuring this debt is mine. It is unforgivable to not provide further information when requested. From my recollection of going to any doctors appointment, my id is scanned - both my id and my insurance card. RMP should be able to provide this at the bare minimum if this is truly mine. If this is not possible, some other form of validation needs to be provided- something with my signature at the least. This is hurting my score and causing my credit limits to be reduced on other accounts. I am very angry and upset with the amount of time this is taking. I should not have to work so hard to have something verified accurately. I genuinely am not sure this item is mine, and am asking you to verify this. I am frustrated that companies are still able to do so little and provide such little information while creating such a great amount of damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My monthly mortgage payment is {$550.00}. I have autopay setup on my personal banking and the amount which is due on the XXXX of every month is sent to my mortgage company 4-5 days prior to the due date. I received a telephone call from Shellpoint Mortgage on XX/XX/XXXX at XXXX XXXX. demanding payment for my mortgage. The caller stated that they had not received a payment for the month of XXXX. I informed the caller that I send the payments every month a few days in advance which is deducted directly from the bank account and that I've never been late on a payment. She said that she would have someone else look at the account and contact me within the next couple days. On XX/XX/XXXX at XXXXXXXX XXXX., I received a call from the same number but was unable to answer while at work. The caller did not leave a message. On XX/XX/XXXX at XXXXXXXX XXXX., I received an e-mail from Shellpoint Mortgage that there was no record of payment found. On the same day ( XX/XX/XXXX ), I contacted the mortgage company and was told that my payment was increased that I was notified in XXXX via e-mail. I do not typically receive that type of correspondence via e-mail nor did I receive such an e-mail. 

Every year, Shellpoint Mortgage sends a request for proof of insurance and every year I provided the requested document. On XX/XX/XXXX, I received a letter in the mail from Shellpoint Mortgage confirming that they received my proof of insurance. On XX/XX/XXXX, I noticed on my mortgage statement that there was an increase in my payment and a current escrow balance. On that same day ( XX/XX/XXXX ), I contacted Shellpoint Mortgage over the telephone and was who was informed that they needed additional proof of insurance. I spoke with a young lady by the name of XXXX who provided me with a Reference # XX/XX/XXXX. She said that once I emailed her the additional document, that she should request to run a new analysis payment adjustment to return the payment to the amount that I normally paid. I never heard from her. 

So on XX/XX/XXXX, when I received that telephone, it came as a surprised especially since I was still awaiting a response. 

Shellpoint Mortgage has increased my payment and marked my record as having a late payment for which they charged me {$11.00}. Additionally, they have not been applying my payments correctly. Their website shows that my payments are going towards Mortgage Principal Only which it should not be. According to Shellpoint Mortgage, they have increased my payments to {$690.00} with no explanation. 

I have filed a complaint with the customer department but would like assistance with getting this resolved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in receipt of HSBC 's response regarding account number XXXX, dated XX/XX/XXXX. In their response, HSBC has the audacity to state, " While in operation, it was the policy of HSBC to conduct its business in full compliance with the letter and spirit of the laws and regulations of every community in which it operated and to adhere to the highest ethical standards. HSBC does not participate in, support, or condone predatory lending and servicing ''. Really ... ... ... In contrary, headlines state differently as evidenced by such : XX/XX/XXXX. HSBC agrees to {$760.00} million settlement with DOJ over pre-crisis mortgages Plus {$26.00} million settlement with Massachusetts. many of these loans were presumptively unfair under Massachusetts law because they had debt-to-income ratios over 50 %, included substantial prepayment penalties, had loan-to-value ratios over 97 %, and included other problematic features. Case in point account number XXXX. Beneficial 's solution ; sell these toxic mortgages to XXXX XXXX XXXX, XXXX and others and offload the problems. HSBC continues to insufficiently address my concerns with my parent 's alleged enforceable loan. They have yet to explain to me on behalf of my deceased parents how the legal description in the loan documents does not match the alleged security interest they sold to a third party to avoid further scrutiny. Not to mention, addresses, zip codes, credit reports, appraisals and title searches contain numerous errors. Fraudulent and predatory to the core. I demand an investigation into these matters. Who did they sell my parent 's alleged loan to? Why has an assignment not been filed? Does my parents have any obligations to HSBC or XXXX XXXX XXXX at this point? Has HSBC conducted any investigation into the defective legal description noted in alleged loans dated XXXX, XXXX and XXXX? What have they done about it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Carvana Group, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a car from Carvana and it was delivered on XX/XX/22. I called and asked to return the vehicle in XX/XX/22 as it was not the car for me. Carvana has a 7day return policy on all its vehicles. I tried to swap the car but they wanted a new check from my Bank and I didnt want to go through the entire approval process again so, I cancelled the entire order. Carvana scheduled the car pick up at their leisure and it was finally picked up on XX/XX/22. As of today, XX/XX/22, Carvana has failed to returned the monies to my bank and refuse to confirm or give me evidence of such, whenever I call them to find out about the status. Meanwhile, the loan continues accruing interest even though I no longer have the vehicle in my possession. I feel. Carvana is holding on to the monies maliciously and on purpose to get back for the free 7day car return policy which at the end of the day, it isnt free. Perhaps if they didnt sell lemons of a car to consumers, people wouldnt cancel orders. I am never using them ever again!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Bread Financial Holdings, 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:
My life is still being hack and trauma to it someone keep using my name and social security number .i keep disputing and nothing coming off i feel like this have torture my life and i get denied if everything because someone so cruel stole my life .I am a identity theft victim and its so sad .I need all my name to be clear i done everything and no one helping me at all. its so many errors on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Real Time Group, Inc.
State: DE
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:
The account is closed/charged off. This collection agency continues to make harassing calls and leaving threatening messages at my workplace and to my elderly parent at home. Also, the collection agency has been advised in writing, to contact me by mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Credit Corp Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After the reviewing of my XXXX consumer report on XX/XX/2022. Credit Corp Solutions collection agency is listed as derogatory item. With a balance of {$990.00}. I have not received any letter in the mail or phone call in validation of this debt. I reside in the State of Pennsylvania which confirms that licensure is required to collect debt. Credit Corp Solutions does not have a license to conduct business in the state of Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 Midland Credit Management sent me a letter stating that I owed {$110.00}. 

I believe that this amount is incorrect. I believe that I owe under {$100.00}. I sent a previous complaint to CFPB about XXXX XXXX, ID # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent two rounds of dispute letters in thirty day increments to the bureau with the first round being the initial letter that included the dispute of five alleged collections/charge-offs accounts which was signed for on XX/XX/2022. I did receive a response of a generalized validation of those alleged accounts within the proper thirty days requirement. However, a second round dispute letter was sent and signed for on XX/XX/2022 which requested a more in-depth validation such as original contract, wet signature, and itemized debt. Unfortunately, more than thirty days has past without a response, thus per both letters the credit bureau has a legal obligation to delete any and all alleged debts that are not validated within thirty days under the FCRA XXXX provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, 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 everything has to be 100 % accurate on my credit report. Equifax credit bureau stated the accounts listed below were properly investigated, but how is that possible if the open date is inaccurate, and the date last reported is not accurate, etc. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602a. States I have a right to privacy.

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

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to fix an on going issue with the company and I have not receive any resolve. I reported Identity theft in 2019. There after they allowed the same companies and the same person affect my credit report without verifying through me. These companies never sent me any correspondence because they didnt have my information. They obtained the information from the credit bureaus. They only had my social but nothing else because the person who stole my identity theft used their address. I never lived in California so why do I have california addresses and accounts associated with them on my report. Also I have been denied credit and thats against the law for my credit should be equitable to me the consumer. No bad debt should be reported without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need the following addresses removed deleted from my report. I have been compromised on my ID and personal information. I have to file a police report and FTC report. Please remove delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they : ( 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 2017-07-20
Company: EQUIFAX, INC.
State: IN
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:
In apr of 2017 I made a partial payment of {$300.00} to XXXX XXXX and then within and week or two made another partial payment for another {$300.00} to XXXX XXXX again. They are reporting that I am XXXX days late making a payment when in actuality they do n't report anything to the credit bureaus because I filed bankrupt. I do realize they say the payment should have been made by the end of the month so they do n't report, but they have contradicted themselves now thus making my credit bad. I 'm just asking for a forgiveness letter since I have been a good customer and have not been in troubles with them. One person at XXXX XXXX tells me I 'm not late another says I am late. which one is it. I would like the situation rectified so that I can move forward rebuilding my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Credit Plus Inc
State: IN
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:
In apr of 2017 I made a partial payment of {$300.00} to XXXX XXXX and then within and week or two made another partial payment for another {$300.00} to XXXX XXXX again. They are reporting that I am 30 days late making a payment when in actuality they do n't report anything to the credit bureaus because I filed bankrupt. I do realize they say the payment should have been made by the end of the month so they do n't report, but they have contradicted themselves now thus making my credit bad. I 'm just asking for a forgiveness letter since I have been a good customer and have not been in troubles with them. One person at XXXX XXXX tells me I 'm not late another says I am late. which one is it. I would like the situation rectified so that I can move forward rebuilding my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, 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:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet I feel like I'm being taken advantage of and being ignored of my disputes. The Law plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 have caused me. My information was also impacted by XXXX  as well as the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation