BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
With my life-savings, I purchased an HOA-Lien investment property from an public auction without any transparency on existing mortgage on the property. Once I received notification there is an existing mortgage, I personally & through my attorney attempted to contact the mortgage company ( XXXX XXXX XXXX ) on several occasions to pay-off or refinance which mortgage company refused to provide me any information on the mortgage regardless of being the legal owner of the property being financed. The mortgage interest has been accumulating and no payment has been made as I have no account number to send the funds. I believe the lender is thinking that it is easier to foreclose the property as the foreclosed property value vs mortgage balance would easily be retained plus all interest & their attorney fees but I would lose my life-savings. 

My attornery XXXX XXXX XXXX sent out the payoff letter dated on XX/XX/2021, there has no any response or reply, as the owner, I have attempted to contact the lender mult-times during one year of time, due to the confidential policy, they insisted to not provide any payment information unitl I have complainted to the XXXX XXXX XXXXXXXX , they informed me that the mortgage has been transferred to Shellpoint Mortgage Servicing, I have to contact them instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 funds were paid to XXXX  XXXX for {$21.00} on XX/XX/2020 funds were paid to XXXX XXXX   for {$21.00} and on XX/XX/2020 {$59.00} was paid to XXXX I provided documentation to direct express that I canceled these accounts but direct express did not credit my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, WAKEFIELD & ASSOCIATES This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt.

Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX  and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE 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:
Hi, my name is XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the XXXX XXXX XXXX  and I also attached copies of the XXXX XXXX XXXX XXXX Identity Theft XXXX. Please remove these items as soon as possible.

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 2018-02-01
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I used BB & Ts online bill pay to pay my mortgage and was told after the fact that they would send a paper check. In a nutshell my mortgage company said they never received the check and I had to make my payment online directly with them but was advised to put a stop payment on the check first. I called my bank and asked the bank manager to put a stop payment on it and was informed I had to pay the {$30.00} stop payment fee. Since this was not my fault I feel I should not have to pay it. I will enclose a copy of my online transaction proving I attempted to make the payment on theXX/XX/XXXX. Since the bank issued the check they should have to waive the {$30.00} stop payment fee since I wasn't the one to lose the check - either they did or XXXX XXXX  did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Synovus Bank
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
First progress credit card company closed my account and never returned my security deposit of XXXX dollars After I rescission of contract because an unauthorized user found my card and accessed my funds this is a breach of contract and I deserve monetary relief for damages and my security deposit returned

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Skrill USA, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I filed a dispute with Paysafe/SKRILL on XX/XX/XXXX for {$300.00} arising from an error with my SKRILL Visa. I submitted all required paperwork and on XX/XX/XXXX I received an email from PaySafe Disputes stating they had issued a temporary/provisional credit to my account. Upon checking I noticed that NO FUNDS were in my SKRILL ACCOUNT. This was the first time I reached out to Skrill to inquire where my money was. I spoke to customer service and was advised they would escalate the issue to the appropriate department. I assumed they would address and correct the problem and have the funds credited to my account by the following Monday afternoon- NOTHING, so I called SKRILL support again to inquire and got the same answer, my issue would be forwarded/escalated to the appropriate department. Then came Wednesday, and Thursday, and Friday... each day contacted support, each day received the same answer. This has been going with the same outcome each time, ESCALATION, NO CREDIT..ANGRY! And now as of the XXXX XXXX XXXXXXXX I received another email from the disputes DEPARTMENT stating they determined that AN ERROR DID OCCUR and the previous credit ( I never got ) would be considered permanent. And guess what? Still NO CREDIT ... .I HAVE BEEN IN CONTACT EVERY SINGLE DAY SINCE THE XXXX XXXX XXXX XXXXXXXX TRYING TO GET MY MONEY, WHY HAVENT THEY GIVEN MY MONEY? They keep saying a 'technical ISSUE ' is preventing the credit to my account! A multi billion dollar company with locations all over the world, that handles and makes financial transactions and they cant handle a small consumer account like mine and have not even sent me one proactive message to let me know what is going on. I'm angry and want my money. They are keeping it from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Jefferson Capitol System by phone and mail that it I could have opened an account with XXXX XXXX in the amount of {$4100.00} on XX/XX/XXXX because I had a XXXX XXXX on XX/XX/XXXX and I was not physically or mentally capable to open any account. I do have medical records to prove it. I asked them to close that immediately. They have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
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: Credit inquiries on your report that you don't recognize

Complaint:
Credit report shows 5 Inquiries that are fraudulent, Need an extended fraud alert on my credit report with my number XXXX, am a victim of identity theft. 

the inquiries are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a public record of eviction XXXXXXXX XXXX  WI of XXXX that does not belong to me and i have tried to get them to confirm this information and the refuse to comply. 

There is a criminal record for XXXX XXXX XXXX that has been dismissed and case has been sealed XX/XX/2023 they are still 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 2023-12-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
For many years, I tried to resolve a mortgage loan with XXXX  ( and others ). The problem was the mortgage amount had escalated so much it was now XXXX on an $ XXXX loan. 

However, instead of working with me, they gave me a modification of $ XXXX/month. That was unaffordable and XXXX, as the house was not worth that amount. 

In comes a builder, who offers then $ XXXX for the house at a short sale. They take it- yet would not work with me at all. 

The short sale was complete on XX/XX/. Yet still... nothing on the credit report. It takes 2 years from the date of a short sale to get another mortgage. Now am three months farther out from being able to obtain financing.

Question # 1 : Why would not work with me but would immediately take a short sale?

Question # 2 : Why haven't you reported it to the credit bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent letters to TransUnion, XXXX and XXXX on XX/XX/ stating they were reporting inaccurate and incomplete credit information on my profile. I have yet to receive correspondence on their investigation and it has been 30 days.

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 2023-07-21
Company: Experian Information Solutions 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-07-21
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-24
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent letters to XXXX, XXXX and Equifax on XX/XX/ stating they were reporting inaccurate and incomplete credit information on my profile. I have yet to receive correspondence on their investigation and it has been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Financial Freedom Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
XXXX : XXXX this agent persisted me on a daily basis and when I decided not to continue they pressurized me to complete assuring me they where best and would benefit me. I explained my concerns with closing costs and they assured me it was normal. I subsequently have been advised its above average. I was also told they would consolidate all our debt only to find most of it will be consumed by closing costs. Then insisted we close to lock in rate and now they going ahead and ensuring process would be efficient. Since signing I have not heard from company! Sent emails and phoned but they unable to assist and was not able to speak to anyone who could assist. I have no idea what is going on and now told payments due XX/XX/XXXX when I was told it would be 2 months of no payments and no information about debt consolidation which was reason to start with. Now we continue to incur interest and the closing fee of {$17000.00} is excessive as I told them! This is our house and we have worked hard for it only to be poorly managed. 

We continue to incur costs and nobody is helping!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX at XXXX XXXX  after an hour long vall this collection agency mcm midland credit agreed to take half of the amount owed after threating to sue me and attach my pay with a judgment. 

they informed me after payment posted that day the would notify the credit bureaus debt paid in full. 

i authorized {$1700.00} withdrawl and they have collected it and are now saying the need time to close account, keep sending me emails stating i owe the account and still are reporting the debt to the credit bureaus as owed in full. Also now they say 30 to 45 to close account and update the credit bureau. This company has been deceptive and using unfair business pratices. 
I lost my home last year and fell behind but have paid this debt and its unfair every day this in on my credit that im trying to rebuild they are causing me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: MN
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:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: NY
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:
Student loans are considered " education records '' under FERPA. This means that they are protected by the privacy provisions of FERPA.

FERPA generally prohibits the release of education records without the student 's written consent. 

The federal government guarantees most student loans. This means that the government will repay the loans if the student defaults. Therefore, there is no need for private credit reporting agencies to have this information on their credit reports. 

Reporting student loans on credit reports can have a negative impact on students ' credit scores. This can make it more difficult for students to qualify for loans and other forms of credit.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 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
Consumer complaint received 2022-12-22
Company: Credit Karma, LLC
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
4 of my paychecks from XXXX XXXX were not directly deposited into my account- the wrong account number was accidentally given on my direct deposit - XXXX XXXX ( XXXX XXXX XXXX  ) attempted to get funds returned but credit karma/ XXXX  refused to return the funds nor did they deposit the checks in question into the correct account even after the mistake was identified by XXXX XXXX and myself .. checks are dated XXXX through XX/XX/2022 - Credit karma / XXXX  requested the trace ID numbers- the I.D . numbers were provided with copies of the checks from XXXX XXXX ( XXXX ) and they insist that no such trace ID number exists despite the fact that we have the copies from XXXX XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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: Account information incorrect

Complaint:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation