BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am the agent for XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2021 we paid off a mortgage in favor of New Rez pursuant to their closing instructions ( copies attached of the payoff and wire transfer ). In connection with closing XXXX made payment to the insurance company for the homeowners insurance premium due and delivered to the insurance agent on XX/XX/2021 ( copy of XXXX and proof of payment ) On XX/XX/2021, New Rez sent a revised payoff statement which included an additional payment for homeowners insurance that they had advanced from their escrow account. I immediately contacted the insurance agent and left a voicemail to ask that they void the check and send back to me so I could send the additional payment as part of the payoff to New Rez. The person who called me back indicated that the person who emptied their drop box would be doing so on Monday, XX/XX/2021. I received the voided check copy after business hours on XX/XX/XXXX ( copy of email attached ). At the end of the day on XX/XX/XXXX, New Rez returned our initial payoff wire and made a demand for additional interest from both the borrower and XXXX in the amount of $ XXXX ( copy attached ). I called New Rez customer service, spoke with XXXX XXXX and she said I would have to pay the additional interest even though they had made the original mistake and I had taken every step to help resolve on our end. On XX/XX/2021 XXXX placed a second wire to include the additional interest ( copy of wire attached ). I believe that the additional interest should be credited back to XXXX for refund to both XXXX and the borrower. I initiated an internal complaint with New Rez and stated I would be filing a complaint with CFPB..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Fraudulent Accounts and Inquiries Appearing On Credit Report. 

XXXX. XXXXXXXX XXXX {$710.00} XXXX. XXXX XXXX {$720.00} XXXX. XXXX XXXX {$270.00} XXXX. XXXX XXXX {$720.00} Inquiries XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-12-31
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a care credit card to help with vet bills when my dog got sick. There was a promotion of no interest as long as I paid in full after the 12 months. I submitted payments monthly and was under the impression I had everything paid off in XXXX. I did not hear from the company til now that there was a balance of {$310.00}. When I asked to clarify where the charges came from as I had paid everything off they stated that I still owed over {$45.00} on the statement and now had accrued late fees of {$29.00} and interest finance fee of {$180.00}. I asked for an explanation of the charges as the amounts were not adding up correctly. Even the associate trying to assist couldnt account for finance fee or give me what the ending balance at the end of the XXXX statement was. I explained I have made a payment each month and paid it off in XXXX which is why there was no payment made in XXXX. She removed the late fee and small finance fee of {$6.00} which was appreciated but again neither her or her supervisor could account for why the amount was still high which raised some flags for me. When I asked to dispute the charges they stated because I opened the account on a promotional special they were not able to. I am in the process of raising my credit score to buy a house and did not want this in collections as it would affect that process so I did make the payment which was brought down to {$270.00} to avoid accruing more fees since the company told me there wasnt anything I could do to dispute it and they couldnt remove any fees. I explained to them if I owed the money I understand I had to pay that wasnt the issue. The issue began with all these fees and amounts that they could not clarify for me started not adding up. When I tried logging into my account to see where the monthly statements no where on the account can I pull one up. It only shows the current balance now owed ( {$310.00} ) and past payment history. Now I ask for help in looking further into the issue as the finance company wont provide me with any additional information.

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 2023-03-25
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:
This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified several erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following accounts are erroneous and should be corrected on my credit report : XXXX XXXX XXXX XXXX Balance : {$27000.00}. I have included a copy of the dispute letter I preciously sent for your reference. I would appreciate it if you could provide me with an update on the status of my dispute within 30 days as required by the FCRA.

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 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2019 : Tried getting TransUnion annual credit report. Went thru all the steps ; answered all the questions ( 6 or 7 I think ), and it didn't load. My name was at the top as if I was logged in to see/print it but no report there. 

Message on screen said " We are experiencing technical difficulties '' and to " try again later or to request by phone call ... Alternately to request your Free Annual Credit Report by mail ... to download the request form. '' I shouldn't have to jump thru any more hoops. It showed me I was basically logged in, so if they have my confirmed identity info and are having 'technical difficulties ' then they should just say on the screen : " We will mail your report to your current address. We apologize for the inconvenience. '' Since they don't do that, now I need to take MORE of my time 'later '.

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 2023-02-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Sezzle Inc.
State: NY
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:
My debit card information keeps being handed out to SEZZLE payment services each month. they go over my head and contact XXXX and XXXX services hands out my new bebit card information without my consent. They is a reoccurring problem thats happened 3 times to me. My information is not safe and XXXX is willing sharing my information with merchants without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: INVESTORS BANK
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Investors Bank in XXXX, NY is refusing to give restaurant and airline workers mortgages though Im still working. 

Is this a practice to deny essential workers mortgages during Covid?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX. XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 explanation
Consumer complaint received 2021-12-31
Company: CrossCountry Mortgage LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from my local tax authority that my taxes were not paid, I contact my mortgage servicer, Cross Country Mortgage, to make them aware of the issue, and it was my understanding that Taxes were to be paid from the $ XXXX I paid in total to close on the home I recently bought, come to find out it was not paid! Seems the pos the taxes for next year vs paying on the current tax. XX/XX/XXXX I called XXXX and sent their department an email to address this manner ASAP! As of today XX/XX/XXXX the last due date for the taxes to be paid even while being promised it would be paid by today, it still hasnt been paid and the customer service team at XXXX is being short and rude on a mistake they caused!!!! The tax authority could as of XX/XX/XXXX start proceedings to put a lien on the home and force a tax sale which XXXX doesnt seem to care about, as they told me they would take care of this but now theyre saying to call back next week when I was suppose to been contacted on XX/XX/XXXX according to an email received by their escalations team. Im a widower raising 5 children by myself and dont need for my kids to lose their home to their negligence, and their slow to act ways, on top of being short and rude over the phone and not giving direct answers to direct questions!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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/21 I phoned Bank of America to investigate balance transfers after receiving an email from BOA that I was eligible. The representative offered to request a credit line increase. Somehow the credit line increase was morphed into an unauthorized balance transfer request that was approved by BOA and sent to a XXXX account that does not belong to me for @ {$7500.00}. BOA sent the money to XXXX account # XXXX. XXXX verified that this account does not belong to me and would have done the same if BOA contacted them. No one at any of the BOA branches or in the fraud department was willing to call XXXX. 

I reported the transaction as unauthorized and erroneous. BOA conducted some level of research but did not find their error. I requested multiple fraud investigations that did not find the error. BOA had wait times of 45 minutes or more each time I called and I had to call @ 8-15 times. Any time there needed to be a transfer I was often sent to a wrong department due to a horrendous phone system.

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 2023-03-23
Company: MOHELA
State: NV
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 am submitting this complaint to express my frustration and disappointment with the way my account has been handled by XXXX XXXXXXXX and MOHELA/DEPT OF ED. Despite never being late on any payment and diligently communicating with the creditor and the credit bureaus, my credit report contains inaccurate and damaging information that has affected my ability to obtain credit and loans at reasonable rates. 

Specifically, my credit report shows that I have been late on payments or have not paid my account, which is not true. I have always made payments on time and have evidence to support that, including bank statements and payment receipts. Moreover, I have sent multiple letters to the credit bureaus and the creditor, disputing the inaccurate information and requesting that it be removed or corrected. However, to date, no action has been taken to rectify the situation, and my credit report continues to reflect false information. 

This situation has caused me significant stress and inconvenience, as I have been denied credit and have had to pay higher interest rates due to the inaccurate information on my credit report. I believe that the creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations, and I request that the CFPB investigate this matter and take appropriate enforcement action to ensure that the creditor complies with the law. 

I appreciate your attention to this matter and look forward to your prompt response. Please let me know if you need any additional information or documentation to support my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I always pay my account online with this particular company but this one time they notified me that the payment was received but then 30 days later i was notified that they never received the payment and that there was a 30 day late payment that was going to be put on my credit report. I have tried to fix the problem with the company because it was not my fault but they have not removed it for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$360000.00}.

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 non-monetary relief
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1100.00}, XXXXXXXX XXXX  XXXX. XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, and XXXXXXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$270000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : OFFICE OF THE ATTY XXXX # XXXX Account name : XXXX REWARDS # XXXX Account name : XXXX XXXX # 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 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 2021-12-31
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am having many issues with my student loan through Navient. First thing is University XXXX XXXX never offered me a federal loan. Instead they had me take out this private loan of over {$6000.00}. Now Navient some how has a federal loan which not sure where it came from but now they are saying it isn't under cares act so my interest is accruing even though they say its federal they are saying they are not under the umbrella for this loan. Even though the federal government is the one that supposably picked this loan servicer which I didn't have any say in this, which should not be my problem. Then Navient put my private loan payment on mt federal loan even though check says private loan. Then navient mislead me and said that I have to do income driven payment even though I don't need to. The federal loan servicer ( IDR ) has me certified if it is a federal loan.

Company response to consumer: Closed with explanation