BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Shellpoint / NewRez has not applied a payment made on XX/XX/2023 for the XXXX Payment to my mortgage account ( XXXX ) ( note that the check was dated XX/XX/2023 ) On XXXX and XXXX XXXX proof of payment was provided via screen shots of my wife 's XXXX XXXX XXXX XXXX ( XXXX ) Account. 

On XXXX and XXXX XXXX proof of payment was provided via copy of the XXXX check cashed by Shellpoint/NewRez on XX/XX/2023, a letter from XXXX stating XXXX the check was sent and cashed and the correlating funds were removed from my wife 's XXXX account. 

On XXXX XXXX, I contacted Shellpoint again, because the payment was still not reflected on the mortgage statement. Shellpoint responded with a letter that they could not find any error in billing, even though the XXXX check was cashed, and XXXX provided a letter stating such. I made an ADDITIONAL payment on XXXX XXXX, to avoid a late fee, and any negative impact on my credit, but I DO NOT CONCEED that the XXXX payment was not made on XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2022 a Visa Debit gift card was purchased for me by XXXX XXXX at XXXX XXXX store on XXXX  in XXXX, CA. I received the card and activation receipt showing that it had been approved to be activated. I called the number on the card to activate it and was told it had a {$40.00} balance. I tried use it over the course of the next few days multiple times but was told there was an error. I called the number on the card XXXX and was left on hold for over 15 minutes and was then told I needed to set up an online account with a password which I did. It still didn't work. 
I went to XXXX grocery store where the card was purchased and XXXX called the main office and was told there was nothing XXXX would do and that I had to contact XXXX. I again called the number and was told that a new card would be sent to me and the balance of {$40.00} would be transferred to the new card. I received the new card and when I went to activate it there was a XXXX balance. I again called the number and asked for the {$40.00} to be transferred and was told the card original card had been used at a place I've never heard of. I asked to speak with a supervisor and was put on hold multiple times waiting for a supervisor named XXXX for a total of XXXX minutes and then was disconnected. I now have two Visa Debit gift cards that are totally useless and my friend who bought the first one for me as a birthday gift is out {$40.00}.

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 monetary relief
Consumer complaint received 2019-12-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this debt I request all of the following information be provided to me : Documentation showing you have verified that I am responsible for this debt, or a copy of my signature with a signed contract with this company. 

Otherwise I ask that you remove this debt from my credit file as it is reflecting negative on my file and is making my file look bad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 non-monetary relief
Consumer complaint received 2022-11-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account does not belong to me if you have a signed contract you must show it, the FDCPA Law 15 USC 1692 Sec 809 indicates that it is illegal to report without foundation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Select Portfolio Servicing dated XX/XX/2022 stating that my mortgage is now being transferred to a new company called XXXX. I have an open and current dispute with Select Portfolio Servicing because they assumed my mortgage from XXXX XXXX and didn't transfer over the escrow analysis from XXXX XXXX. Instead of fixing my mistake which they were notified of on XX/XX/2022 they are now transferring my loan. 

I have at this point requested to have my escrow account removed because it wasn't setup correctly when the loan transferred and at this point I'm getting the run around instead of my issue corrected. I'm more than capable of paying my insurance and taxes and want to assume the responsibility as I can do it much better than the mortgage company can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Lender Info ( Midland Credit Management ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was served court documents XX/XX/2022 in the mail saying that I was going to be garnished by this company for my XXXX XXXX XXXX  credit card in the amount of {$1300.00}. They had already sent information to my job and the garnishment started two weeks after I received the letter. I contacted them after I got release papers from XXXX XXXX XXXX XXXX saying debt was paid in full XX/XX/2022. They claim they never received anything from them and I am still responsible for the debt. I contacted XXXX XXXX XXXX XXXX and she told me the exact date the last payment was sent and thats why she sent the letter to me and my employer releasing me of the garnishment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30
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:
I applied for new Internet and Cable service today. Surprisingly, I was denied. I was so confused when the representative told me it was because of bad credit. When I had my credit pulled I saw things on my report that l knew nothing about. I was advised to call the police and I did, also contacted the FTC. Please delete all these items as they are not mine. 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 2023-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I demand that this company cease all communications with me both directly and indirectly on any and every medium as described in the FDCPA. If this is not done, this company will be in further violation of federal law because as the fair debt collection practice act states, communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Communicating with me via credit reporting is a violation of this act and I will seek compensation if you do not cease as I have a right to financial privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: CA
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:
There where false debt information placed on my credit profile, I disputed these items on XXXX. The items where completely removed and replaced with some other debt that I have no knowledge of. Got a dispute result letter in XXXX of 2022 with the original debt I originally disputed in XXXX. I don't understand how can they do this, very criminal. I would like the negative items removed, again this debt does not belong to me.

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 2022-11-23
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a state check into my checking on Monday XXXX XXXX. The bank put a hold on it until Monday XXXX XXXX. They put my account into the negative for the amount of the check and I have a deposit coming in directly that will be tied up with this check on hold plus my own money. I tried to get them to remove the negative balance and they would not. I dont see how they are allowed to make my account negative for a check hold money that I have not got, plus take my direct deposit to cover the negative amount. This is how Huntington Bank is treating there customers..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Zillow Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I went online to Zillow homes to sell my house and wanted to purchase another property and what they did was sold my house to another agency and accepted and application for a loan on another property after the 30 minutes phone interview with the loan officeer and the three year wait they stopped answering my phone calls and maken threats towards me about my application

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I put in an application for a secured Credit Card with Capital One. On the Application, they Asked for all of my information including my Social Security Number. They stated that my application could not be verified even though I presented my SSN and sent me an Adverse Action letter on XX/XX/XXXX. Also stating further reasoning provided with the letter with this complaint. 

My question to Capital One is, Based on the LAW what did underwriting use to deny me? Due to the fact that I gave them my Social Security Number. 

I am rejecting the Adverse Action letter, I am aware that a Credit Application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as a self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 15 U.S.C 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C 242.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-12-14
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A check was sent to Comenity Bank to pay off my XXXX XXXXXXXX XXXX. The check for {$5900.00} was received on XX/XX/2022. As of XX/XX/XXXX, the check has not posted to my account. Another check was received by Comenity Bank on XX/XX/XXXX for {$140.00} that was posted on XX/XX/XXXX, but the larger check still hasn't posted. I have called the customer service line and complained and they said they don't have any way to communicate with the payment department to follow up on the payment. It is unfair in the meantime that interest is charged to my account on a daily basis. The tracking number for the check that was delivered on XX/XX/XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-23
Company: National Enterprise Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter dated XX/XX/XXXX from NES of Ohio, stating that I owe them an alleged debt for {$3800.00}. The XXXX XXXX was XXXXXXXX XXXX, who previously charged off the alleged debt. I have no contract NES of Ohio. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. Under my name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between NES of Ohio and XXXX XXXX, about me is in direct violation of my privacy per the Privacy Act of 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 2023-11-16
Company: T.S. Holdings
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX, received 3 phone calls from phone number XXXX at XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX and when I answered the third phone call a man claimed to be XXXX from IQ Data International. Was very harsh about needing to take out a loan to pay a debt or " bad things would happen ''. Was incredibly pushy and forced me to set up a phone call for the next day even though I said I had work. Talked to him the next day ( XX/XX/XXXX ) at XXXX XXXX and I got threatened with credit damage, never being able to rent again, and that my dad would also take a hit. Got a call again at XXXXXXXX XXXX  again ( XX/XX/XXXX ) and he said I am " refusing to pay debt '' because I couldn't get an exact day on when I could pay the debt when I was asking for an itemized bill I got told " that is not how this works and now we are going to do what we are going to do ''. Was told all calls are recorded so I know it will be on their files. When I asked what he was going to do he laughed and said " oh you will find out ''. Over the course of the last two days I have been called over 4 times and have had nothing but rude and threatening/ demeaning interactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 disputed the Funished information from XXXX XXXX XXXX multiple times. 
XXXX XXXX XXXX XXXX for an alleged debt of {$4600.00}. 

This collector is not forthcoming with actual verification to pursue this alleged debt.

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 2023-11-15
Company: FIRST PORTFOLIO SERVICING INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been getting emails from Revvi credit card about a debit that I owed that was due to fraudulent activity and stolen identification And they said that I was responsible for the debit even though my correct address is not the address they have for the account they said is mine. And I request that this be removed from my credit report immediately

Company response to consumer: Closed with explanation