BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX Fri XX/XX/2019 XXXX XXXX Being the first is being paid off, XXXX is demanding {$59000.00}. We only have $ XXXXto give them in the transaction which means {$34000.00} would need to be paid by XXXX at settlement to avoid foreclosure of the first and settle the transaction. 
The bank has stated this is their final offer and will not negotiate. 
I suggested the bank approve receiving {$24000.00} and provide a note for the balance and they are refusing. I have requested a supervisor to try to resolve but was advised there is nothing further XXXX will do. 
There is nothing further I can do at this time. 

How can this be? Per your email dated XX/XX/19Hello please advise your clients the offer has been declined. Foreclosure is scheduled for XX/XX/XXXX. 
Please provide a release. 
The bank is demanding a purchase offer of no less than $ XXXX XXXX please relist the property asap and advise nothing less than the {$130.00} will be accepted. If buyer wants closing help they will need to increase price/offer. See our title calculator for help ; XXXX XXXX you led everyone to believe that the bank communicated to you the amount they wanted to avoid foreclosure. The buyer offered the exact amount ( {$130000.00} ) only for you to come back a month later with this ridiculous response. You need to go back to whoever you've been dealing with and let them know that this is unacceptable. They wanted {$130000.00} - or did they? And they got {$130000.00}. Therefore, they have to accept that amount. 
I've negotiated short sales on behalf of my clients with different lenders and I've never seen a bank counter their own counter. 
I do not think this transaction was handled very professionally. I am very disappointed. You had people jumping through hoops changing this, fixing that, and correcting this - all for nothing? It took six months and two offer to let the homeowner that her home will be foreclosed. What a complete waste of time. 
The homeowner is devastated. I can see why she feels that way. Please make another attempt to contact the lender and see what can be done to prevent this foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/2023 I pulled my credit and found out that I had a collection account withLVNV. I did not know anything about this. I had never received a notice from LVNV. So on XXXX XXXX I sent ina letter to Resurgent who was collecting for LVNV. I wanted validation of this credit card debt. See letter enclosed. I waited and waited and nothing So on XX/XX/2023 I sent in another letter stating that I am guessing they could not validate this debt. So I asked them to remove it from my credit report. I still did not hear from them I was only asking for information I had the right to ask for and they are obligated to give me. But nothing. I thought at the time they were breaking the law. Then sbout XXXX, 2023 I was served a summons that they were suing me. I thiught this was not right. First of all no contact from them and they had sn old address that I had not lived on for 12 years. That is probably why I never received anything from them. I immediately sent a letter to the court explaining the whole situation how they just refused to give me the information I was entitled to and they were obligated to give me. I am guessing since they had no proof they decided maybe suing me might help their case. Since we have laws in place why does LVNV/Resurgent have the right to not supply me with the information. So they pull a fast one on me. I dont believe what they have done is right and maybe illegal. I should have had the right to have been notified about this debt that I was not aware of and if it was mine. But to just come up and sue me out of no where is just not right. Its like I am guilty without defending my self. Very on sided and a unprofessional act. I no should have been given notice, a letter before all of this Now I have to go to court and wsste the courts time over this. I had asked the court to dismiss this case but have not heard back. So LVNV cant show proof so they just sue you. Just not right. They need to follow the rules just like anybody else or should I say obey the law that is there for the consumers protection which they are obligate to furnish. They are not above the law Thank you for your time and cooperation in this matter Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I entered into a 5 year Chapter XXXX Bankruptcy Plan on XX/XX/XXXX and completed or discharged successfully on XX/XX/XXXX. However, upon receiving a copy of a new/updated credit report I'd noticed that one account with XXXX XXXX   inaccurately shows that I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX which is totally false. I have not filed any other Bankruptcies and in fact I have advised Experian of this on several occasions in the dispute process with them ever since. After disputing this a second time over the phone I was provided a report number of XXXX for XX/XX/XXXX dispute which resulted in NO CHANGE once again. I have provided to them a copy of the letter sent to me by XXXX advising that his account was in fact PAID IN FULL. I have no other means of proof to provide. This is hurting my credit score tremendously as well as my chances of owning a new home. I would like to reiterate the fact that I have never actually filed a Chapter XXXX in the court of law. The only Chapter ever filed was a Chapter XXXX which again was discharged XX/XX/XXXX and I am over 5 years removed from this chapter of my life and should actually be on the road to credit recovery. XXXX and Experian have inaccurately reported to the bureau this misinformation and have also failed to provide me with the proof that I even filed a Chapter XXXX which I never did. I would like for this matter to be swiftly and efficiently resolved in a timely, fair manner but they are refusing to do so. 

Thank you, 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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Public record information inaccurate

Complaint:
Its listed on my background check that I have a XXXX XXXX in 2006 This is incorrect I was XXXX XXXX XXXX and a XXXX and I have had a search performed showing I have no convictions as a minor or otherwise Please remove and update This is hindering me from obtaining employment

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 2021-05-13
Company: BAM Management US Holdings Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
From XX/XX/XXXX - XXXX, I unsuccessfully attempted ten cryptocurrency withdrawals from Binance.us. Each time, it stated I needed to verify the withdrawal in an email from them, which I never received. My email was working normally, I XXXX each email address that Binance.us specifies on their site, and I checked my junk and deleted folders. I never received any emails from them to verify the withdrawal. During this same time period, I submitted multiple support tickets. I finally received a response on XX/XX/XXXX, one week after submitting my first help ticket, asking if I still needed help. I responded the same day stating that of course I still need help, nothing magically changed and they still had not provided any support. As of XX/XX/XXXX, I have not received any response from Binance.us, and I still can not withdrawal my cryptocurrency funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Paypal Holdings, Inc
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have tried to send XXXX dollars to a friend for an XXXX using Venmo. Venmo is holding my money now going on 2 weeks. I have tried emailing them for more information and all I get is generic responses. they told me they are working with the other party to obtain the information needed. I have asked for what I did wrong, details of why they are allowed to hold the money. I asked for them to cancel the transaction and send me my money back I get no response. I asked for a supervisor no one contacted me. My money is being tied up with out any rational or explanation. this is wrong and inhumane. Thank you for all your help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: NY
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 endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: NJ
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:
To whom It may concern, On XX/XX/XXXX I am looking at my credit file and notice a bill for {$75.00} which was fraud and never authorized by me as I never went to XXXX. A few years back I had seen something from XXXX and I explained to them this isn't me it is fraud and if they can prove I did it than I'll pay. I believe it was a different amount. Anyways I called them back I was to say sometime in XX/XX/XXXX-XX/XX/XXXX and mentioned under the fair credit act you must remove this from my file as you have shown me no proof of doing business with you. 

They said they would remove it since it was fraud and not authorized by me. For some reason It is still up. Anyone is more than welcome to call me on the subject.

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 2021-05-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CORELOGIC INC
State: FL
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:
15 USC 1681 15 usc 1681 ( a ) ( 4 ) - you have the right to privacy any information you want to be private thats posted on your consumer report is a violation. Infringed upon my right to privacy ( you define what your privacy is ) *first in 1968 came true in lending act next in 1970 came FCRA next came FDCPA 15 USC 1681a ( 2 ) exclusion - this should not be on consumer reports *** Reports containing information solely as to transactions experiences between the consumer and the person making the report should be excluded

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 2021-05-12
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Regions Mortgage has owed my escrow refund from XXXX for over a year now. They claim they sent out a check that i never received. I called the first time on XX/XX/XXXX to try to get them to reissue the check, which they claim they did and i again i never received. 

Then they claimed that the amount had probably been credited to my XXXX escrow refund which we have discussed multiple times and now know it hasn't based on the analysis of my escrow statements. They keep saying they are searching for the missing check and that they will get back to me. 

I have spoken to multiple representatives, multiple supervisors, escalated the issue, etc. 

It is infuriating to have to make more than 20 phone calls to try to get a reimbursement for money that i am owed, all the while to keep getting nowhere. 

Their level of customer service is a disgrace and an abuse to a consumer like myself. 

Please help me sorting out this issue!

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello I have been sending information to the credit bureaus for a year asking them to please investigate. It is not the first time that I have worked on my credit, in XXXX I fixed it and the process was not as long and tedious as it has been now, I don't know what happened. I have gone to their websites to see if the conditions have changed and I see that they have not, since they are still supposed to respond to me within 60 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TekCollect Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Have already explained that the debt is not mine and they continue to call and report on my credit every single week. That is harrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: JPMORGAN CHASE & CO.
State: MI
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:
This issue is in regards to my Chase Bank Credit cards. I have two of them and am having the same issue with both. I have been sending in payments to Chase Bank for the past YEAR, and they have failed to properly apply my payments to the accounts to settle the balance and are knowingly and negligently ignoring my payments while wrongfully reporting to the credit reporting agencies of high balances that should not be since I have submitted payments in full via the payment coupons ( bill of exchange ), that they LIE about stating that they are not a valid form of payment in USD. Each correspondence I have from them after disputing with them back and forth for several months going back and forth with Chase Bank they have always referred to their Cardmember Agreement ( CMA ). Their CMA does not supersede federal law. Furthermore, being that they have access to my social security number, they have a fiduciary obligation unto me as the trustee of these accounts, and myself as the beneficiary. However, there has been a breach of contract because they have been acting in the capacity that only I can act in as I am the one that extended MY credit to establish these accounts. I have done everything that I possibly can as far as sending letters and payments via certified mail as proof. I have sent in power of attorney forms to take ownership over the accounts and they still ignored that. Every payment that I have sent in to Chase bank has been completely ignored but they have kept every single instrument ( never once sent any of them back ), but never applied any of those payments. I am owed equal value and consideration for every single one of those payments as they are bills of exchange that can be converted into the equal dollar amount on them pursuant to the bill of exchange act. Chase Bank needs to be audited for their fraudulent and deceptive business practices and the way they deceive innocent consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: PA
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:
hello My name XXXX XXXX XXXX i am a XXXX XXXX XXXX XXXX father in the city of XXXX. I noticed somethings on my credit report that i didn't do and i asked the credit bureau todo some research of my report and they responded and said everything was accurate. I have addresses that i never lived at i also have credit card accounts I've never heard off. Can someone please help I'm trying to buy a home and get my kid out this crazy city. Below i will list the accounts XXXX XXXX  XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX In Accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section A states I have 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. 

Also here are the inquiries XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The credit bureaus is not complying with their own policies in a timely manner. I sent a letter on XX/XX/2022 addressing the issue and still no response from the bureau.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I believe someone else is using my information and I have no history or account with 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