BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: Bepensa Capital, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Greetings and good morning, I was instructed to call XXXX at finBE USA on XX/XX/XXXX to obtain a copy of my original contract with the company. 
I was told that he was in a meeting then that he is on vacation. I was told that XXXX XXXX will call me back however XXXX XXXX has refused to answer any of my emails since XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX ( formerly XXXX XXXX XXXXl ) submitted an escrow analysis for XX/XX/XXXX that duplicated insurance amounts for the house. I spoke with their insurance department on XX/XX/XXXX who admitted their error. Since then they appear to be unable, unwilling to do a corrected escrow amount. Here is a record in a copy of correspondence to them. I also spoke with them yesterday ( XX/XX/XXXX ) but got no response or resolution : Happy XXXX XXXX, I am writing out of frustration due to an unresolved issue. When my account was transferred from Guaranteed Rate to you this past year, your company double booked the escrow required for insurance. This resulted in a over statement of the XX/XX/XXXX shortage AND payments for XX/XX/XXXX, resulting in a 13 % increase in my monthly payment. I have been trying to get this resolved for nearly two months. In the interim, I have paid the new payment amount in good faith. 
Here is a record of the attempts I have made with XXXX XXXX since receiving my escrow analysis in early XXXX : XX/XX/XXXX - confirmed the appropriate insurance amounts and payment with my carrier, XXXX. 
XX/XX/XXXX - called your insurance division and spoke with XXXX, who confirm that there was an entry error on the part of XXXX XXXX which she would correct and forward for a new escrow analysis. 
XX/XX/XXXX - follow up call to CS rep Ms. XXXX at XXXX XXXX. I was told " these things take time '' and I should check back in a week or two. 
XX/XX/XXXX - follow up call to C rep XXXX who advised nothing had been done although she saw a note about it in the file. 
It is XX/XX/XXXX and the lack of response or action on this is beyond my understanding. Is there someone there who can help? 
XXXX XXXX XXXX XXXX My call to them on XX/XX/XXXX was also unsuccessful.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Experian Information Solutions Inc.
State: AZ
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:
All of my student loans except for 2 private loans from XXXX XXXX have been put into forbearance because I am currently in school. But before this, in XXXX of XXXX I was place in XXXX XXXX  XXXX status and all my loans were cleared off except for the private loans because they told me that private loans couldn't be discharged. So I set up payment arrangements with them. 

Although I am still XXXX and have been since XXXX, and on permanent XXXX, I have re-enrolled in school. Because of doing this XXXX pulled me out of tXXXX XXXX  XXXX status and placed me in deferment. I have contacted XXXX XXXX twice through certified mail ( XXXX of XXXX and XXXX of XXXX ) and explained all of this to them and asked them if they could put me in deferment as well and they said no because I was in default. I told them I didn't know that I was in default status, and that no one ever contacted me about the loan being in re-payment status, I told them that I assumed all of my loans were discharged, and they said on the phone that private loans can't be discharged. I then told them that I am XXXX and still in school, but I could pay XXXX XXXX  monthly, and I have been doing so for over a year now. 

They accepted that, yet they continue to put late fees on my credit report and mark me as delinquent every month. No one still has written me back to explain anything or answer any of my questions. 
The only reason I found out that they had placed me in default was because I noticed that my credit score kept going down, and continues to go down every month. I looked into why it was happening and discovered that it was because of the 2 private loans. I thought that once I got on a payment plan with this company they would stop marking me as delinquent as they said they would and do right by me, but they didn't and do not. 
XXXX XXXX keeps reporting me as missing payments, and this keeps lowering my credit score every single month, and causing me stress because it has effected my ability to move into a better place for me and my children.

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 2023-03-09
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I paid the debt for Ann Taylor XX/XX/2020 received a call this morning from XXXX a phone number registered in XXXX XXXX, VA to call XXXX regarding a complaint # XXXX. I called XXXX and this number is no longer in business. I called XXXX and was threatened with a law suit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. 
First he said he mailed a letter to my current address on XX/XX/XXXX. Then he said he mailed a letter to my old address from the XXXX 's. He said I will be sued in court. 
I called XXXX XXXX XXXX and they said they do not have a location at XXXX XXXX XXXX XXXX. I called Ann Taylor credit card and they no longer have a credit card for me and it is showing as paid. The Supervisor said this is a scam and to report the caller. 
I have records of my paid receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: U.S. BANCORP
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I own a small business. I contracted through XXXX ( XXXX XXXX XXXX ) for all my payroll needs. XXXX  sends an email to my employees. This email enables my employees to enter their account information for direct deposit. I had one employee enter the wrong account number. This employee told me that he did not get his direct deposit on XX/XX/XXXX, for the amount of # XXXX. I thought it might have taken 2 weeks to get money, so we waited. I pay my team every week. On XX/XX/XXXX, he did not get paid again for {$440.00}. After the second week of my employee not getting his money, I called XXXX. This was XX/XX/XXXX. They sent me the ACH Trace ID number for the deposited transaction and told me to contact my employee 's bank, US Bank. My employee called US Bank and they told him that I needed to call them. I went to the bank and then they told me he needed to go in. The next day we both went into US Bank, and they told us there was nothing they can do. That we needed to call the XXXX number. So, we did. After an hour, the US Bank representative told us that this is XXXX 's responsibility and they needed to take care of it. Ok, fine. I went home and called XXXX. After an hour and a half on the phone with XXXX, I got disconnected. However, I did call them back and they informed me that because I didn't contact them within 5 days of the transaction, there was nothing they can do. And that I needed to call US Bank it is their responsibility to get my money back. During this phone call that lasted an hour and a half, the XXXX representative had me change the pay for my employee to a check. After I did that, the transaction read return funds of {$0.00}. I asked what that meant, and the representative put me on hold, for an hour. Now that the pay was converted to a check but the notice on XXXX said I was getting nothing back from the bank transaction, I had to figure out a way to get my {$830.00}. I know that XXXX  and US Bank may think that is nothing compared to the millions of dollars that they make a year, but I am a small business that just opened in XX/XX/XXXX. I am in my first three months of struggle. I just want my money back. My employee needed his money to pay rent and bills. I paid him in cash until all this is taken care of. I would like to know who's responsible for not verifying that the bank account number entered and the name on the bank account is correct? I would like to know how to get the money back from the wrong account it went into? I have ACH Trace ID number. I have the wrong account number where my money went. I have dates. I have amounts. I have everything I need to get my money back. If there is any way you can help, I would appreciate it. Please and Thank You for your time.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under the Fair Credit Reporting Act ( FCRA ), the account details provided below have infringed upon my federally protected consumer rights, specifically the right to have accurate information reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am composing this complaint to formally dispute the accuracy of the information reflected on my credit report. According to my records, the mentioned account has been paid in full and currently maintains a XXXX XXXX. However, I have observed that your reporting indicates a balance of {XXXX, which constitutes a blatant violation of the FCRA. 

This reporting discrepancy is impeding my ability to secure new credit, and I am seeking a prompt resolution to rectify this matter. Your immediate attention to this issue is appreciated.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
Please, on several occasions I have contacted the transunion agencies because I have some questions that I never authorize the companies to obtain my credit report, and they say they can not help me, these are the questions I am referring to : 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 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 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

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 2022-09-15
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela has provided a shockingly low payment count for my PSLF waiver. They have only counted 2 payments outside of the Covid forbearance period. I have been employed in public service XXXX. 

Mohela disqualified 6 payments, claiming they were " outside acceptable timeframe '', contrary to what the pslf waiver says. They did not count 3 large, lump-sum payments ( over {$5000.00} ) made by the department of defense that should have been counted for multiple months. They did not count a {$10000.00} payment I made in XXXX of XXXX ; which should have counted for up to a year, for even a single qualifying payment. They provided me records of these payments recently, so I know they are aware of them and I believe they ignored them on purpose. 

I was also on XXXX military deferment from XXXX of XXXX until XXXX of XXXX but none of these months were counted. Mohela confirmed this deferment but did not count these months. 

Finally, since XXXX of XXXX I was placed on forbearance for 43 months consecutively and 45 months cumulatively. I was not given credit for any of these months. During the periods when I was being placed on these forbearances I was repeatedly steered away from income based plans in writing and over the phone, leaving me with monthly payments that would have been over 25 % of my net income. 

On Mohela 's Limited PSLF Waiver page it simply says periods of forbearance and deferment do not count towards the waiver, without pointing out the exceptions for long periods of forbearance or military deferment. I believe this is a deceptive practice designed to keep payment counts lower than they should be. 

Here are the payments I believe were ignored : - '' outside acceptable timeframe '' : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
-military deferment from XX/XX/XXXX through XX/XX/XXXX XXXX XXXX payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( had I been on income based repayment these would have covered 12 months each ) - {$10000.00} payment made on XX/XX/XXXX -Consecutive forbearance for 43 months ( XXXX XXXX XXXX ), then forbearance again in XX/XX/XXXX and XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I recieved a phone call from XXXX  XXXX XXXX XXXX asking if I was the wife of XXXX XXXX. I asked who was calling they repeated there Company name, then proceeded to tell me his date of birth and that they were a debt collection agency calling me in regards to a debt that he incurred before we started dating that I had no idea about. Then asked me how was I going to handle the debt by making a payment. Not only did they give out his date of birth to me, they told me about his debt, how much it was and what Credit Card it was for and the year he took it out. I explained that what they did was wrong, they can not call me giving out his personal information and debt information without any real verification of whome I really was, about a debt he had before we even started dating that i knew nothing about, especially when he also has a family member with the same name as mine. They proceeded to argue that what they were doing was OK, and if I had said I wasn't who I am they wouldn't have given me all his personal and debt information. I then asked to speak to a supervisor who also decided to argue with me, I asked for their consumer hotline and he gives me a phone number to customer service for complaints. I call the number given and the person who answers immediately asked for XXXX XXXX. Even though I called them, and from my phone as if they rerouted the call back into the same office, so I asked the representative why he would ask to speak to XXXX XXXX if I called them at a number provided. He responded by asking how he can help me. I don't know what this company is doing, but this can't be legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : - ; XXXX : XXXX XXXX Reference # : XXXX ; XXXX  XXXX XXXX-discharged Reference # : XXXX ; XXXX XXXX XXXXdischarged Reference # : XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 2 Capital One Credit cards. Now I only 1 card being reporting to all 3 but the other card is still missing being reported to XXXX. 

Capital One XXXX XXXX Acct # XXXX is not being reported to XXXX. 

Please lets get this taken cared. The one card not being reported to XXXX is throwing my XXXX XXXX. % off record. 

I have attached both my Capital One Credit cards for your records. 

XXXX XXXX : Acct # XXXX needs to report to XXXX. 
XXXX XXXX Acct # XXXX ALL GOOD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
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: Reporting company used your report improperly

Complaint:
XXXX 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. 

XXXX XXXX XXXX : Account number XXXX, XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX BANK : Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX 
Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX Unknown Account number XXXX Unknown Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Im writing to your company to report Equifax, XXXX and XXXX on the bases that they are furnishing incorrect information on my report and to complete the dispute process. Im demanding that the following information be deleted from my credit report as referenced in The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( b ) ( i ) ( c- ) ( f ) ( FCRA ). These items were supposed to be deleted no LESS than 4 days after my intial dispute due to their origin in nature ( Identity Theft as stated in US Code 1681 c-2 ). As stated in US Code 16819 ( i ), as investigation must be done to prove the validity of the accuracy of information being reported which has not been done/ The items I need deleted have been listed in the form of a letter sent to all three credit reporting services as of XX/XX/XXXX and again on XX/XX/XXXX. I am a victim of identity theft because I did not authorize these charges or accounts and they have been furnished on my report without my consent or knowledge. I did not make these unauthorized charges or open these fraudulent accounts. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items immediately as it is incorrect and thus hindering me from utilizing my own credit to afford essential expenses for myself and my family. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio Recovery Service written leters to dispute all accounts asked to send validation letter never got asked to removed them never did sent certified mail to them nothing in return got plenty of phone calls from them.I asked in a handwritten certified letter to validate the debts and they did not asked them to remove them since it was hurting my credit report nothing. They brought the debts from another company I dont owe them I might owe the other companies if they are valud.

Company response to consumer: Closed with explanation