BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: Shellpoint Partners, LLC
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
Took out home equity loan XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX {$50000.00} in Delaware, XXXX XXXX. XXXX  XXXX. This loan was refinanced into XXXX and combined with our home loan, but the satisfaction for the prior mortgage was never received. The company had been sold multiple times and now our home mortgage lender, Shellpoint is saying that we owe them the {$50000.00} in order to release the lien- since we sold the property. I found a letter from XXXX from XXXX XXXX XXXX that had a certificate of assignment on this mortgage. The letter said that there was included a satisfaction for the original HELOC but I can not find the satisfaction. Neither of these companies would respond to my request for the document and have been sold multiple times. The only recorded assignment I found was to XXXX XXXX that sent me a release I CAN NOT find. I do not think that we owe this debt as there is no valid lien for Shellpoint. I need help! The property was sold/transferred to new owner XX/XX/XXXX. 

Shellpoint provided a payoff for the original mortgage and now they are saying we owe them {$50000.00} more. There is no evidence of this debt with them or anyone. - It's so old i don't even have the original loan number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: ECMC GROUP, INC.
State: AZ
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:
ECMC is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX ... their actual and sole collection branch ). Never has an agency ( ECMC ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : XXXX, XXXX, XXXX  ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : ECMC obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed ECMC. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXX XXXX ) and after months of their ( XXXX XXXX ) inaction we agreed to payment and have made current payments. ECMCs agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by ECMC while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. ECMC is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the ED-OIG in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for ECME to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.

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 2023-10-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
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 asked all 3 credit bureaus to perform an investigation into Portfolio Recovery 's negative reporting on my credit bureaus in XX/XX/XXXX. I was asking for validation of debt. On XX/XX/XXXX, I received a letter from Portfolio Recovery, which they claimed to validate the debt. There are many inconsistencies involved with Portfolio Recovery 's response. Portfolio Recovery claims that I owe {$550.00}, but they sent a statement with a balance of {$620.00} from XX/XX/XXXX. They also sent a " letter '' from XXXX XXXX, dated XX/XX/XXXX, saying the " debt '' was sold Portfolio Recovery on XX/XX/XXXX, however if you reference their response to my request for validation, Portfolio Recovery says this occurred on XX/XX/XXXX. Portfolio Recovery is reporting multiple dates, which differ from each other. I asked for a signed contract, and all they could provide me is an " account statement '' from XXXX XXXX, which was electronically transmitted. There are several cases, which state electronic transmission is not enough to verify a debt. If you reference all 3 of my credit bureaus, there are zero negative items from XXXX XXXX reporting on it, so how could this " debt '' even exist? I have an account with XXXX XXXX that was opened this year, however nothing with those dates that Portfolio Recovery is claiming. The statement from Portfolio Recovery also lists the " original creditor '' as XXXX XXXX, and if you reference my credit reports, there has never been an account that was ever opened with XXXX XXXX. Portfolio Recovery says that my " account '' was opened on XX/XX/XXXX, however a simple XXXX search will show that XXXX XXXX purchased XXXX XXXX credit  operations in XX/XX/XXXX, XXXX months before Portfolio Recovery is claiming, that I opened an account with XXXX XXXX. How did I open a credit account with XXXX XXXX  in XX/XX/XXXX, when XXXX credit accounts no longer existed? The inaccuracies, and outright wrong information is reason enough to have Portfolio Recovery to delete all negative information on my credit bureaus. They failed to properly investigate my inquiry, and are not negatively effecting my credit. They assumed without properly researching information, and Portfolio Recovery is harming my ability to obtain credit. In summary, Portfolio Recovery failed to properly verify the " debt '', is claiming I opened an account with a creditor that was not even open, when they are stating I opened the " debt '', sent account statements with conflicting information, and is reporting negatively to my credit, while there is zero evidence on any of my credit bureaus that these " supposed accounts '' existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute a collection item that appears on my credit report from XXXX XXXX XXXX XXXX. I have reviewed the details of this item and found several discrepancies that need to be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

The discrepancies are as follows : Account Number Discrepancy : The account number listed on TransUnion is XXXX, while on XXXX it is XXXX. This inconsistency may indicate a reporting error. 

Original Lender Name Discrepancy : The original lender 's name is listed as XXXX XXXX XXXX XXXX XXXX TransUnion and XXXX XXXX XXXX on XXXX. 

Collection Agency Name Discrepancy : The agency name is listed as XXXX XXXX on TransUnion and XXXX XXXX XXXX on XXXX. 

Absence of Information on XXXX : There is a considerable amount of information missing on XXXX, including account number, original lender, agency name, and balances. 

Current Balance Discrepancy : The current balance is only reported on XXXX as {$12000.00} and not on TransUnion or XXXX. 

Different Status Listings : The status listed on TransUnion is Unrated or bankruptcy while on XXXX it is Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department. 

I am requesting that you conduct a thorough investigation into these discrepancies and correct or remove the inaccurate information from my credit report. 

I look forward to your prompt attention to this matter. Please update me on the status of this dispute within 30 days as required by the FCRA. 

Thank you for your cooperation. 

Sincerely, 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 2019-01-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX I used my credit card to paid for gasoline in XXXX XXXX. The clerk said my card was declined. I paid with cash and left. Days later, I noticed there's a pending charge on my Barclay app for the gas station.

XX/XX/XXXX I called Barclay to dispute the charges. I faxed them the receipt saying my card was declined.

XX/XX/XXXX I received a documents from Barclay. There's a copy of the receipt from the gas station with a signature that was not mine.

XX/XX/XXXX I faxed Barclay at XXXX   docs in response. I included the DBO case number in the fax cover and letter. I got a confirmation that the fax was successfully sent from XXXX. My statement was that the signature on the receipt is not mine. I included a sample of my handwriting and a copy of the driver 's license which has my signature. I indicated that the merchant 's receipts is time stamped XXXX and my declined receipt is time stamped XXXX. This meant the clerk ran my card twice and kept the first receipt. He then gave me the decline receipt. There's no other reasonable alternative as to how I received the second receipt less than one minute later, except that the clerk gave it to me as proof that my card was declined.

XX/XX/XXXX I called Barclay. They said there didn't get my fax. The rep verified the fax number and said to try again without the " XXXX  '' and wait 24-48 hours. I sent the fax to XXXX. I got confirmation of successfully sent.

XX/XX/XXXX I called Barclay. Spoke with XXXX. She said they didn't get my fax. She said to try another fax number XXXX and to mail the documents in. I asked why they aren't getting the faxes, when the confirmations said the docs were successfully sent. She said to try the other fax number, wait 2-3 days, and if that doesn't work, they have another method.

XX/XX/XXXX I faxed the documents to XXXX  and sent the docs certified XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX DE XXXX.

XX/XX/XXXX Having not heard anything from Barclay, I called and spoke with XXXX. She said I have to take the dispute to the merchant, because the merchant provided a signed receipt.

I am a victim of fraud, and I feel Barclay is trying to weasel their way out of this. Barclay is obligate to protect the consumer. If this doesn't work out, I will pursue this matter small claims court plus punitive, no question. Do the right thing Barclay. I have all my documents ready.

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 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I was contacted XXXX central time on XX/XX/2023 from my mom that she was being contacted by Bank of America XXXX there was a flagged suspicious application in my name. The fraudulent applicant put my mom 's number in the application. I was put on a 3 way call to cancel the application as well as put in a request for the copy of the application which can take 7 days to receive the request form and up to 30 days to receive the copy of the application. I was advised I would need to contact the credit bureaus ( XXXX, XXXX, and XXXX ) where there was a hard inquiry to my credit from Bank of America. I was able to have the hard inquiry removed from my credit and have gone down the avenues to be put on an initial credit alert for the next year, as well as, put my credit on freeze with all 3 bureaus, but I need to supply the bureaus with an FTC report/CFPB report in order to be granted a 7 year credit alert.

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 2023-10-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 NUMEROUS 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 CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The school removed the loan from my account and sent the funds back to department of Education two weeks ago. I do not have a loan because I paid school out of pocket and conferred master degree on XX/XX/2023. I do not have a school loan. 

Direct unsubsidized loan ( University XXXX XXXX XXXX ), Principle amount {$20000.00} Loan servicer : XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Experian Information Solutions Inc.
State: IL
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:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In 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.

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 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 2022-07-06
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX  Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-06
Company: EQUIFAX, INC.
State: TX
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:
Creditor. XXXX XXXX XXXX The account was paid and they are removing the chargeoff status to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I notified XXXX that on XXXX separate occasions, there was fraud on my accounts and someone stole money. On XX/XX/2023 someone stole XXXX out of my account, On XX/XX/2023 someone stole XXXX out of my account. On XX/XX/2023 someone stole XXXX out of my account. They transferred the money to XXXX separate XXXX XXXX transfers. None of these XXXX XXXX accounts belonged to me. All three of these transfers were done online. Synchrony bank has credited my account XXXX back into my account, but they put a restriction on the account and wont let me have access to any of the money until the investigation is completed which could take up to 90 days. I need this money to pay my monthly bills and they won't let me have any of it.

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 2019-01-21
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:
I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX  XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. After this investigation was completed, I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification/validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

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