BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
This involves a transfer of my mortgage between two companies. XXXX XXXX sold my mortgage to NewRez. They are including an escrow of {$29.00} to be paid but they cant provide information to what is for. I called NewRez on XX/XX/XXXX and was told that was an error and he would talk to his supervisor to correct the mistake and if it was not removed to call them back. Well it was not. I again called them on XX/XX/XXXX and spoked with another person and hardly was even able to understand what he was saying. In conclusion he said is an escrow from XX/XX/XXXX that I had to pay to XXXX XXXX and that I have to call them to find out why. That I still have to pay NewRez even if I appealed I have never had taxes or home insurance in escrow, never received a letter that I owed them anything. He also said he would send me an email with all the information but I never received anything. I called XXXX XXXX and the person that answer was very professional and she looked at what was happening. She said there was a charged of {$30.00} from XX/XX/XXXX from a lender. That was the time I was working with my home insurance to get payment for the hurricane damaged from XXXX, XXXX, XXXX and they received the money from XXXX XXXX and they had the money in escrow, for months. Still I had never received a letter from XXXX XXXX that I had any outstanding bill or due money to them. This is new to me and someone could have made a mistake. If this due money is correct then I would think I have a right to find out what is this for. I cant see how this NewRez debt collector is imposing this on me. What are my rights here and since Im on Social Security with limited income I should be able to resolved this. Maybe {$29.00} is not much for them but it is for me. Im not sure Im forgetting anything else to include here. Please advice what I can do to protect my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Capio Partners, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The nature of my concern : XXXX XXXX XXXX XXXX received and cashed payments ( {$1600.00} ) for over two years and did not post the payments to the account. instead, they stole my money and placed my account into collections deliberately damaging my credit for their financial gain. I have copies of all of the cashed checks as well as emails from XXXX XXXX. XXXX admitting they did not post the payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. 

XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$190.00} XXXX XXXX Reported : XXXX XXXX, 2021 {$820.00} XXXX XXXX Reported : XXXX. XXXX, 2021 {$900.00} XXXX XXXX A Reported : XXXX XXXX, 2021 {$450.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Today has called me 4 times alone. Called the number back and the person who answered immediately aggressively asked me to validate my last 4 of social, birthdate and other identity fraud worthy content which he rattled off to me. Asked who he was and he said Nationwide. Informed him I do not have this insurance l, assuming that was who it was. Only after this was told the company name but all the representative seemed to want to do was validate my personal info above. I had previously blocked the number on my cell phone but the number keeps coming through, so due to all this asked them to not call again and send something in writing.. Got yet another call from same number an hour later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within XXXX XXXX this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-01-24
Company: Comerica
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was stolen while I was in the hospital and unauthorized charges were made. Direct Express by their own rules are to provide provisional funds to my account while an ongoing investigation. I called Monday and was told I was denied, there is no way Direct Express conducted a thorough investigation in only a few day 's. It's very clear, my card was stolen as indicated in the documents I submitted. This is one of the greatest problems with Direct Express, there is no accountability

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
remove late payments, payments never late XXXX/XXXX/XXXX  Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Open. {$580.00} past due as of XXXX XXXX. 
XXXX  XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Open. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Open. {$570.00} past due VCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX Resident type Single family XXXX XXXX XXXX XXXX  XXXX , IN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX XXXX type Apartment complex

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or delete the following items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-10-26
Company: Albert Corporation
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/ I was charged XXXX from a vendor named- XXXX XXXX. I reported this transaction as fraud on XX/XX/ I have never used this vendor before no records were found in payment history and I never authorized that charge I was at a pumpkin patch the day in question. On XX/XX/ I was advised per AlbertXXXX XXXX XXXX that the charge was legitimate. When I reached out to them per email regarding my dispute XXXX I was advised there is nothing they can do and they are sorry it didnt turn out the way I wanted? I was stolen from and my bank which is ensured to protect my transactions did not do so. I need those funds back and I need that vendor blocked indefinitely from accessing my card.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
When I was first notified that I owed an amount to an apartment complex the person at ProCollect never disclosed who they were and immediately asking for my credit card info. Mind you I never received anything from the apartment complex I was at. When I told him he never disclosed what company or why he was needing that personal info and I was not giving him my credit card number he told me I was being sued. I contacted the collection company after discovering on XXXX who they were to try and settle debt and they hung up on me or told me was account was blocked and could not make any payments and I needed to contact XXXX XXXX and send and email. Numerous times I tried corresponding with XXXX XXXX and never got any communication back.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have recently pulled my credit report in preparation for a home purchase and saw I had an account in dispute status. I called all 3 credit bureaus to get this creditor remark removed an was assured it would be removed. I pulled credit reports again on XX/XX/XXXX and saw the remarks still on my report so I called AGAIN and was assured they would be removed. To date XX/XX/XXXX, they are still showing on my credit report. This is causing me delay in getting my mortgage. This is VERY damaging to me as I was assured twice now that this would be resolved in 48-72 hours. 

ALL DISPUTE NOTATION IN THE CREDITOR REMARKS MUST BE REMOVED FROM MY REPORTS. I DO NOT DISPUTE ANYTHING ON MY CREDIT REPORT. ANYTHING SHOWING DISPUTE ON MY FINE IS INACCURATE INFORMATION AND AS SUCH NEEDS TO BE REMOVED FROM MY FILE.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them or update them right away : 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 non-monetary relief
Consumer complaint received 2022-12-06
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: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-07-30
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called into Shell Point Mortgage to ask about an property tax refund that was in the escrow account since XX/XX/XXXX ( {$8500.00} ).  They said that they would take care of it and send me a check right away. 
I hear and see nothing for weeks so go through their chat service on XX/XX/XXXX. They said they had to evaluate the escrow balance and then send the surplus. 
I get a mail response on XX/XX/XXXX saying that they will refund me {$7700.00} and that the check was included in the piece of mail. It was not. They included a sample fake check which I can not cash. I send them another message on XX/XX/XXXX but it's an email since their hours of operation are closed ( no phone, no chat ). 
On XX/XX/XXXX I receive a letter in the mail saying " due to the complex nature of the matter '' that they request more time to fully respond to my inquiry. The letter was dated on XX/XX/XXXX. 
Shell Point Mortgage has repetitively put off giving me my money and has held onto it for 2 months. They had it for a month and didn't mention anything to me or send a refund.They said they sent a check and the account says it's gone, but they didn't send a check and instead send a fake sample check. They are avoiding paying me and paying me interest since there is no check and they are hoping I don't notice and they have to send a new check. They are abusing me and my money. 

NewRez LLC dba Shellpoint Mortgage Servicing XXXX. XXXX XXXXXXXX XXXX, SC XXXX Main Office NMLS ID # XXXX NewRez LLC dba Shellpoint Mortgage Servicing XXXX, TX Branch Office NMLS ID # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation