BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an ARM  serviced by New Rez/Shellpoint Financing. 
For almost 2 years towards the end of the fixed period, I received monthly letters from New Rez telling me that my interest rate could never go higher than 3.125 % or lower than 2.25 %. I believed this information to be correct as I received it monthly for so long and decided against refinancing and locking in while rates were so low as I believed I was capped at 3.125  % and refinancing is costly. 
It then transpired that all the letters I had received were incorrect and should have in fact said that my rate could never go higher than 8.125 % ... .a 5 % difference from the information I was sent for 2  years and that I based a huge financial decision on. 
While I should have dug out my original contract to check the fine print, as a single Mom who was working multiple jobs at the time, I was extremely busy and based my decision on the endless letters I was receiving every month from New Rez  of which I still have copies. 
Despite the company admitting to their mistake, they tell me there is nothing that can be done and continue to try and charge me a rate way above 3.125 %. I have been disputing this since I discovered their mistake in XXXX, since when they won't apply my monthly payments that I have continued to make at the rate I had been paying, and are now threatening me with foreclosure as I won't pay a higher rate as it seems grossly unfair and a terrible way to treat customers. 
I work for a very large XXXX XXXX and would receive a conduct breach if I made a mistake like this and treated one of our bank 's customers in this manner. Instead I'm being bullied by a massive corporation who will increase their corporate earnings even more at the expense of a single mother just trying to get by. 
Thank you for your time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Sentry Credit, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sentry Credit Inc ( XXXX XXXX XXXX XXXX, WA XXXX ) started reporting on my credit profile with inaccurate information for a account : XXXX. I contacted the company and they can not verify information or validate the {$5800.00} debt. In further research this company is attempting to collect a debt and they are not even registered in the state of georgia 's secretary of state business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America Check Processing Center Dear Bank of America Check Processing Center, I hope this letter finds you well. I am writing to inform you about a check that I recently received in the amount of {$5000.00} USD, which is intended for deposit into my business checking account at XXXX XXXX XXXX. 

I kindly request that Bank of America and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to verify and confirm that the check is clear for deposit into XXXX XXXX XXXX Business Checking Account. 

Your prompt attention to this matter is greatly appreciated, as it will ensure the smooth and timely processing of this transaction. If there are any additional steps or information required from my end, please do not hesitate to contact me at XXXX or via email at XXXX. 

Thank you for your assistance in this matter, and I look forward to the successful completion of this transaction. 

Sincerely, XXXX XXXX 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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have tried several times to work with XXXX ( along with Transunion/XXXX  ) to remove inaccuracies within my credit report, and they have continuously refused to even investigate my claims. Each time, I receive a bogus, auto-generated response - even though I am sending PROOF that the claim is valid. 

Please see their email response below : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free '' There is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. Even so, I have sent these letters myself now on 4 occasions.. the companies are ruining people 's lives and are not being held accountable. Thank you in advance for looking into these issues.

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 2022-12-22
Company: EQUIFAX, INC.
State: LA
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:
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 2023-07-21
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX XXXX I got a call from XXXX XXXX saying he got my credit card debt information from a government agency that was picking people that qualified for their program. He was very insistant that this was a real program. I listened and I should not have. I did not make any commitments to XXXX. On XX/XX/2023 I got a call from a man claiming to be a lawyer. He gave me an attorney ID of XXXX. I recognized his voice from previous phone calls about debt relief. Then also, on XX/XX/2023 I got a call from a XXXX XXXX claiming to be calling me from my banks fraud dept. She said that XXXX got a letter from Freedom Debt Relief XXXX saying that I had signed up for a debt relief program and that XXXX could not receive anymore of my credit card payments. Then I asked XXXX for the phone number on the supposed letter XXXX got. I called the number and it was the same people I spoke with the day before. I was convinced they were real but did not commit. I spoke to a XXXX at their verification department and when she answered she gave the name XXXX XXXX XXXX. She forwarded me to XXXX XXXX at that same company and he told me I had to authorize {$9600.00} to be charged on my credit card to enter the program. I had my husband get on speaker phone. He told him absolutely not and XXXX said he understood. XXXX said they would destroy all my credit card information that they had. I never signed ANYTHING! Then, last week they called again, this time saying they were from the XXXX XXXX XXXXXXXX and why had I not finished signing up for the program? They were very pushy and verbally abusive when I questioned him. I hug up. Today, I got a call from a XXXX XXXX XXXX XXXXXXXX saying he was from my credit union and that they had received a 609 letter telling the bank I had signed up with a debt relief program. I asked him for the name and phone number on the letter. XXXX XXXX XXXX extension XXXX. It was the same number that called before pretending to be XXXX bank. Both times I called the bank and credit union and nobody made a call to me and they never received a letter. I am a XXXX  and these people need to be stopped! I have blocked their number but impersonating a bank and credit union employees has to be a crime!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2023 I paid off my student loans in full in the amount of {$34000.00} on the Ed Financial payment portal. I made 2 payments from 2 different accounts seconds apart. My 1st payment was in the amount of {$24000.00} and my 2nd payment was in the amount of {$10000.00}. Ed Financial has verified they've received {$34000.00} from me and that I don't owe anything further. However, Ed Financial has not applied my payments to my account and don't know when they will. I have a balance due of XXXX that I should not have. The hold time has been 4hrs plus to speak with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX ; XXXX XXXX GA XX/XX/2022 ; XXXX XXXX XX/XX/2022

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 2022-03-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2023-08-17
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX  } { Credit Bureaus : ALL XXXX  } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX  }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX  ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX 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 2023-07-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I wanted to use cash advance and before I did a cash advance I reached out to wells Fargo to make sure I was not going to get charged interest on this transaction and the rep told me that I would only get charged a one time interest on the transaction but instead Im being charged every month Interest around {$62.00}

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 explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: NC
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:
Since XX/XX/2021 I have submitted over 3 disputes with XXXX XXXX XXXX XXXX, XXXX for an account that has been reporting on my credit after it was included in a settlement for Predatory Practices. On each dispute, I provided supporting documentation and they still refuse to remove it and only stamp it correct/verified by only updating the status, in any of these disputes I never received not on correspondence from the companies listed in this complaint. Per the FCR/FDCPA a notice of dispute is to be placed on any account disputed within 31 days XXXX & XXXX XXXX XXXX XXXX violated these Federal Laws. Not only are they failing to respond to my dispute, but they have also failed to record this account as being disputed and it has been over 60 days. That in itself is grounds for removal but I also have included all of the documentation showing this specific account met all requirements as a result of the settlement reached due to XXXX 's negligence in practicing. I am requesting the immediate removal of this account due to the violations stated above.

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: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I deposited a check from a company I worked for into the account in the amount of {$680.00} on XX/XX/2023 into my Chase Checking Account. Later I tried to XXXX myself some money to my other account in the amount of {$1000.00} on XX/XX/2023 and my account was working until then. It tripped some issue and they wanted to verify the check from the XXXX and locked my account down. I gave them the phone number of that business but they said it wasn't in their " verified '' system. I told them to XXXX the business and call the number they find they said it doesn't work that way. One of the representatives told me they would close the account down in a few weeks and send me a check for the funds not under investigation, but I haven't received any contact for 2 weeks. I called back and they said their account closure may take up to 2 years. How are they holding my money for 2 years? why can't they just resend the money that was received from the check to the account it was received from and release the rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In 2016 my XXXX XXXX  brother passed away with no will, he had no assets except his savings and checking account at Bank of America less then {$3000.00}. His daughter gave up trying to get the money and ask me to help. Turned them over toComptroller of Currency, they expected it to be taken care of. No BOA will not comply.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Since XX/XX/2021 I have submitted over 3 disputes with TransUnion XXXX XXXX XXXX, XXXX for an account that has been reporting on my credit after it was included in a settlement for Predatory Practices. On each dispute, I provided supporting documentation and they still refuse to remove it and only stamp it correct/verified by only updating the status, in any of these disputes I never received not on correspondence from the companies listed in this complaint. Per the FCR/FDCPA a notice of dispute is to be placed on any account disputed within 31 days TransUnion & XXXX XXXX XXXX XXXX violated these Federal Laws. Not only are they failing to respond to my dispute, but they have also failed to record this account as being disputed and it has been over 60 days. That in itself is grounds for removal but I also have included all of the documentation showing this specific account met all requirements as a result of the settlement reached due to XXXX 's negligence in practicing. I am requesting the immediate removal of this account due to the violations stated above.

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 2020-07-01
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I tried to get a loan from lendistry due to financial burdens due to covid and am in a desperate situation to receive money due to lack of funds. When trying to receive the money, I input my routing and account number for my bank at PNC. During the application process for receiving this loan, I could not continue due to a message stating verbatim " PNC has made a change that prevents you from being able to link your accounts. '' This is very frustrating, because I may not be able to receive the help I need due to a logistical error with PNC bank. Also, PNC bank has continually created hurdles from multiple ( literally over 10 ) attempts to receive assistance. They should be held accountable for their poor customer service and immoral, neglectful actions which have had a severe impact on my ability to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$25.00}

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 explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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