BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
'NewRez mortgage company has stated that I requested that my complaint be closed. That is absolutely not true!!! The Mortgage company instructed to me that they would close the escrow account that they were trying to establish and I agreed to that only nothing else. How convent for the mortgage company to conveniently for their benefit say something incorrect and false. The mortgage company is stating that they paid for XXXX and XXXX XXXX XXXX taxes. They have never paid our taxes. All taxes have been paid by the XXXX 's since owning the house. We have never signed or given permission for anyone to pay our taxes. There is no signed document on file given anyone permission to do so. NewRez mortgage companies stating that they paid money in XXXX toward our taxes. The money that was sent was sent back to the mortgage company. In no way would we have been allowed to owe money from XXXX and the money is being requested back in XXXX. That doesn't make since. As the law states " if you are 65 years of age or older, or have an exemption because you are XXXX you can be placed on a payment plan. '' Which myself XXXX XXXX XXXX XXXX is XXXX  XXXX and therefore given the legal right to do so. I know NewRez Mortgage Co is aware of that and therefore I can not understand why my wife and are are being harassed as seniors and XXXX XXXX 's and XXXX. There is one payment from NewRez Mortgage Co sitting in the tax office not being applied to anything!! It can't be applied because the taxes have been paid by XXXX XXXX XXXX no one else. The tax office is stating " REQUEST YOUR MONEY BACK!!! ' NewRez has placed late charges on XXXX XXXX credit because they have decided to take the mortgage payment and try to HARASS us seniors into having a escrow account by putting the money somewhere else. We are not and have never been late with our Mortgage not with NewRez or any mortgage we have ever had in our lives with the three homes we have owned. If we owed Money why did NewRez return mortgage payment back to us? Please stop have fifteen different people talking to us to correct this and maybe you can straighten this out if you really want to. Is it NewRez, Is it Shell-point? Who's is actually in charge?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Repeated threatening phone calls in 2019. Said legal action had already been taken. Made several installments to pay the balance in full. Never received statement of payments emailed as promised. Payments didn't show up in my account under their name. Was told after first payment it was a sister company that processes the funds. Don't know this companies name anymore. No contact about the collection has been made to me prior to 2019 or after I paid in full. Also told them I was just getting off of XXXX and going back to work and I did want to fulfill my commitment after the first call but harassment continued until I paid the balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: PNC Bank N.A.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter via USPS on XX/XX/XXXX from XXXX XXXX XXXX. XXXX XXXX XXXX  is a debt collector. Prior to receiving this letter from XXXX XXXX XXXX I had no knowledge of the debt they claim I owe. XXXX XXXX XXXX claims this debt is from my bank, PNC Bank, dated as of XX/XX/XXXX. XXXX XXXX XXXX claims I and my son XXXX XXXX owe PNC Bank XXXX. In XXXX and XXXX of XXXX, I was a victim of identity theft. The person who stole my identity, including my bank data, did so by claiming he could help me manage my money while earning money to pay off debts. He deposited approximately XXXX checks in equal amounts of - I think- {$500.00}. He immediately had me he had me XXXX money to XXXX or XXXX his partners. He told me I would make money by doing so. The very next morning, I checked my PNC checking account only to find I was extremely overdrawn in the thousands of dollars. When I saw this, I first called my bank and went to speak with XXXX at my local PNC in XXXX XXXX, IL. I also notified the XXXX Police Department of the identity theft and filed a report with them. Additionally, I filed notice with the FTC- all on that day. XXXX told me I might have to pay all the debt to my PNC bank, but he was not sure. That day, he notified me that my account had been closed and Id only have to pay approximately {$1000.00} to PNC. I made payments using the new account XXXX set up for me ; I never missed a payment and the debt to PNC was paid in full. I mentioned that XXXX of Ohio included my son XXXX as also owing the same debt. This is odd because I believe XXXX was not listed on my account during that time period. He held and still hold a checking account with XXXX XXXX. 

I do not recognize this debt from PNC because I already paid off the money that PNC determined I needed to pay back. Prior to receiving this letter from XXXX, I was never contacted by PNC or any other debt collectors regarding this debt. 

I am unsure of what to do. It is as if this debt materialized out of thin air. I do not recognize this debt as being mine, and neither does my son recognize it as being his, especially because he banks with XXXX. 

If you could please assist me with instructions on how to deal with this unrecognized debt that XXXX XXXX XXXX claims I owe to PNC Bank, I would appreciate it very much. I honestly do not recognize this debt as being mine or my sons. 

Thank you very much for offering to help people like me. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX mail to : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: KY
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 multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am trying to purchase a house and went shopping for the lowest mortgage rates. I thought I was supposed to have 45 days to shop or at the very least 14 days without adding a bunch of hard inquiries onto my report. Every single inquiry is counting as a hard inquiry even though I did them in the allotted time and now my credit score is taking a nose dive. How are people supposed to be able to shop for the best rate if it blows up your credit in the process? Even on the CFPB website it says I should have 45 days. This is just another example of why there needs to be proper regulation over the credit boroughs. There isn't even a way to dispute the hard inquiries with the credit boroughs and ask why they weren't treated as one. I tried opening a dispute but there isn't any way to dispute hard inquiries nor is there anyone to speak to about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: BSI 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: Account information incorrect

Complaint:
While in bankruptcy protection ( XX/XX/XXXX-XX/XX/XXXX ) my mortgage was sold to BSI. Even though monthly mortgage payments as well as monthly bankruptcy payments were made in full and on time, BSI continued to assess  unsubstantiated and unwarranted fees. Three separate complaints were filed with CFPB in XX/XX/XXXX regarding these unlawful charges ( XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ). On XX/XX/XXXX BSI representative XXXX XXXX sent a letter that stated " BSI has determined that there are inaccuracies on your loan and have made corrections. Pursuant to the payment history the BSI account was indeed current ''. since that time we have been trying to get BSI to correct late payment notices they posted earlier in XXXX prior to that note. We have sent copies of the checks, as well as the day each individual month they were received and cleared our bank. BSI sent reports to the credit reporting agencies that each of our first 6 payments to BSI were 60 days late or more, and has been unwilling to correct this misinformation. Since we did not pay BSI anything additional other than mortgage each and every month, and they themselves determined us " current '' as on XX/XX/XXXX, ( and admitted mistakes ), something doesn't line up correctly. On XX/XX/XXXX we attempted to get this information corrected with no success. We filed a new complaint with CFPB ( XXXX ) trying to get the same, again with no success. Again, since the entirety of what we made were scheduled monthly payments every month, in full each and every month in XX/XX/XXXX... and we have the actual checks with the dates each month when they were received and the date they cleared BSI 's bank that very same month, with no additional monies were sent to BSI ... they admitted in XX/XX/XXXX they indeed had made inaccuracies with this account and corrected their account records ( and indeed the account was current ), how can there be 6 consecutive months of 60 days or more late from XX/XX/XXXX to XX/XX/XXXX? We even wrote on the front of each check " for use toward XX/XX/XXXX mortgage payment in full '' on XXXX 's check ( received in XX/XX/XXXX, cleared by BSI XX/XX/XXXX ). This process was repeated each and documented each and every month, for the exact month the payment was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I tried to resolve this issue muti times within the last year an its causing me emotional distress. This is defaming my charter I also move in honor and clean hands. As per last request number XXXX I filed a complaint stated I never gave verabal or written consent and asked them to send me proof and they didnt answer my response correctly! They are stating the validated the account but sent no proof of that and also never sent proof that I gave them Verbal or written consent to share my alleged private information or transaction. They are in volitation My last time requesting that I gave them consent in any way was XX/XX/2022 also never gave them consent to pull soft pull on me that was without my consent they are making money of me by sharing my information and transaction without my knowledge or consent.. I do not consent to eoscore. As a consumer reporting agency you assume a vital role to make sure that all information on my consumer report in accurate, fair and XXXX. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( **name of company reporting the late payment** ) such authority. 


Listed accounts XXXX XXXX XXXX account # XXXX amount {$1000.00} XXXX XXXX XXXX XXXX XXXX account # 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 non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX I opened a new business account with Chase Bank. They were supposed to mail me a debit card and a PIN, but I never received it. I deposited 3 checks for {$7100.00} each. The first one on XX/XX/XXXX, the second one on XX/XX/XXXX, and the third on XX/XX/XXXX. On XX/XX/XXXX, while depositing the 4th check, I checked my balance and realized that something was wrong, because there was only around {$20.00} left in my account. I immediately reported it to the bank and they froze the account. All in all the thief spent over $ XXXX over 6 days. I never received any suspicious activity alerts and the bank did nothing to stop the rapid fraudulent spending. There were many consecutive charges for very large amounts at unusual places ( such as charges for {$500.00}, {$600.00}, {$800.00} at the same quick trip on the same day. After a few days of " investigation '' the Bank sent a letter to me stating that they believed the charges were authorized and the money would not be refunded.The only explanation they gave me was that I never filed a police report and that my mail-box was locked so no one could have had access to it other than me. I called them and faxed them letters and documents ( including a photograph showing that my apartment mail room had many mailboxes that were unlocked and left open ), and I also pointed out to them that there were XXXX deposits made to my account on XX/XX/XXXX. They immediately reversed the deposits that I informed them were not mine, and they reinstated the investigation. They returned around {$6000.00} to my account on a temporary basis while they continue to investigate. Yesterday they again denied a small portion of my claim, while they continue to delay a final decision. I told them that I never received the debit card or PIN so none of the charges could have been me. In other words, the claim must be entirely fraudulent or entirely not fraudulent. This is a business account and XXXX has caused significant economic hardship for me and the employees in my company, so I can not afford their delay tactics. Because they have broken my claim into multiple smaller claims they are preventing me from the clear decision I would need to take legal action if necessary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: FL
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:
Both XXXX and Experian have violated my rights by reporting inaccurate information on my consumer report. I have made several attempts to have them delete these wrongful listed items, but they did not do anything. Meanwhile they say the accounts have been verified but XXXX has removed them because they are inaccurate and can not be verified. So how can XXXX and Experian verify these accounts Remove all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In fact the FCRA laws have been violated : 15 USC 1681 Section 602 that states i have the right to privacy 15 USC 1681 Section 604 Section 604 A Section 2 : - consumer reporting agency can not furnish an account without written instructions.

15 USC CODE 1681a - Definitions : rules of construction - Exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

IRS confirmed Charge off as taxable income and written off by the creditor. Therefore, it is income that has to be reported but is not reported on a 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 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 pulled my credit report and found inaccurate, erroneous, unverified, negative INQUIRIES on my credit report. I have no recollection of these inquires.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and Transunion are reporting 3 inaccurate accounts of collection accounts. I have reached out to XXXX and after a review of the accounts, they removed all 3 collection accounts from my report. I have reached out to XXXX and Transition XXXX times and each time they brush me off and say they have verified the accounts but do not provide documentation to show how, when or if they actually verified the accounts. I want all 3 collection accounts removed from Transunion and XXXX as since XXXX removed the accounts, that means Transition and XXXX should not be reporting those accounts anymore.

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 2023-03-03
Company: Experian Information Solutions Inc.
State: GA
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 my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$620.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; 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 ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 XX/XX/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 2020-08-08
Company: Action Collection Service
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Interstate collections of Idaho has a debt that I owe to the state of Idaho. They are trying to collect around {$1100.00} dollars from me, when the original fine from the Idaho state of occupational licenses was {$850.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
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