BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: Bayview Solutions LLC
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:
XXXX ALLOWED THIS COMPANY, BAYVIEW SOLUTIONS TO ACCESS MY CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE Date : XXXX XX/XX/XXXX Bayview Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Demand for Compensation for FDCPA Violations Dear Sir/Madam, I am writing to you regarding the unauthorized inquiry that was made into my XXXX Credit Report on XX/XX/XXXX. It has come to my attention that Bayview Solutions LLC has accessed my personal credit report without my prior consent or without any permissible purpose as outlined under, 15 USC 1692 and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

According to the provisions of the aforementioned statutes, any unauthorized credit pull constitutes a violation of my consumer rights. Specifically, the FCRA provides that consumers have a right to privacy, and unauthorized credit inquiries not only infringe on this right but can also potentially negatively impact my credit score. 

The FCRA provides for statutory damages of up to {$1000.00} for noncompliance, in addition to any actual damages suffered. Given this, I hereby demand that Bayview Solutions LLC compensate me in the amount of {$1000.00} for the unauthorized credit inquiry made on XX/XX/XXXX. 

Please treat this letter as a formal complaint, and I request you to provide a satisfactory response within 7 days from the receipt of this letter. If I do not receive compensation and assurance that no further unauthorized credit inquiries will be made, I will not hesitate to pursue further legal action. This may include filing a complaint with the Federal Trade Commission and the North Carolina Attorney General 's Office, and pursuing a civil lawsuit to recover statutory and actual damages. 

This letter is not an exhaustive statement of my rights, remedies, defenses, or claims, all of which are expressly reserved. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint about loan with Shellpoint : A Division of Newrez Note : All times in Central Time Zone I received a call from this phone number on XX/XX/2023 at XXXX : XXXX XXXX XXXX XXXX The caller said to call at XXXX XXXX XXXX XXXX, which I promptly did. 

The system did not allow me to get through despite entering the correct phone number ( which was the prompt ). I tried back again today, XX/XX/2023 at XXXX. Again it asked for phone number to verify me, which it failed. I then tried loan number, that too failed. 

This servicing company is not available to get through to return phone calls. After multiple prompts I finally got through ( again, I feel as if Shellpoint is intentionally making it difficult for borrowers to get through to them ). 

Upon getting through, I was asked why I was calling. I informed them that I was returning their phone call. The representative did not know why they had called me and speculated that it was a welcome call. 

I requested a response as to why they had called me and they said they could not tell me as they didn't know. 

I would like a response as to why I am getting harassed with phone calls and being told I have to call back and then wasting my time without anyone on the other side being able to explain why I was called in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
When I discovered I had been a victim of identity fraud and someone used my personal information to fraudulently open credit accounts I obtained a copy of my credit reports. I discovered someone had fraudulently opened an account with Capital One Bank on XX/XX/2015. I immediately contacted Capital One by phone and letter. I also informed Capital One Bank someone had fraudulently tried to file a bankruptcy petition to hide the fraud. Capital One Bank said since the information used to open the account matched my information they said the account was mine and I needed to pay it. Capital One Bank refused to give me a copy of the fraudulent application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I asked if I could get a payment plan because this debt was for reletting my apartment to another person and the debt company said no I could not have a payment plan and needed to pay the entire fee so I re called the apartment complex wondering how debt collectors work and was told they do and can help with payment plans so I decided to answer the debt collectors call because they have called a lot and I did ask for a payment plan a lady told me I was eligible for a 3 months payment plan of I belive XXXX $ since I allegedly owe XXXX $ so she told me to call back Friday to set that plan up I call back Friday and another lady told me she would go back and listen to the recorded tape ( which I highly doubt she did or can ) and told me NO I can not get a payment plan and needed to pay them by XXXX that day or my account would be sent to credit bureau since it was the XXXX of the month. This company has been saying they sent me letters of course to the wrong address and i updated the address so they can send me something with proof to keep I have not gotten ONE letter from them yet its been very unprofessional very confusing and stressful is a understatement. I told them many times I was on unemployment at the time now no longer and Im looking for work they do not care so I feel lied to and mislead. They have stopped calling me after I called them out on the lie that was told as well.

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 2023-01-11
Company: EQUIFAX, INC.
State: MD
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 sent in disputes along with the police report and XXXX, XXXX, & EQUIFAX continues to report these accounts that I do not recognize. Some of these accounts were reported as fraud with the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: GA
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 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX 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 response to consumer: In progress
Consumer complaint received 2018-03-21
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2018 I initiated a wire withdrawal of {$25000.00} from my account at Coinbase to my US-based private investment account. There is no evidence whatsoever that Coinbase made any attempt whatsoever to initiate the wire, despite the best efforts by me and my very capable financial advisor to look for it, but Coinbase nevertheless debited my account {$25000.00} and have failed to respond to customer service requests with anything other than automated responses that are not even pertinent to my issue. On one occasion they had the gaul to close my customer support ticket for no apparent reason. After I reopened my support ticket that they had closed, they asked me to provide information that I had already provided. I nevertheless provided ( again ) all of the information that they requested. That was 8 days ago, and there has so far been no further response from them.

Many others have been reporting similar problems with Coinbase on social media for months. This fact, coupled with the recent publication of a Coinbase bug that made it possible for unscrupulous users to credit their Coinbase accounts with unlimited ether, should prompt the CFPB to question the solvency of Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 company is reporting hard inquiries that I did not do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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: Credit inquiries on your report that you don't recognize

Complaint:
UPON REVIEWING MY CREDIT REPORT I HAVE NOTICED INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THESE INQUIRIES DO NOT BELONG TO ME. 
XXXXXXXX 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 XXXXXX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: MD
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We continued to communicate with Nissan Motor Acceptance Corp. they gave us the same answer they sent you. However, we never indicated to them that we did not want them to call us. There was no communication in regards to collection and we had made calls during covid to request forbearance. They told us the car would be repossessed or we needed to pay {$28000.00} immediately. I called and asked to speak with a supervisor again and was finally escalated as they discovered they never sent us a Cure Letter. They told us they would rewrite the lease and it could take 30-45 days for us to receive a new account number. We were concerned as to if this could occur again and inquired where to send payments for each month as they took their time re-writing the lease and to assign a new account number. We just received a new account number today. XX/XX/2021 and have discovered they have tacked on misc fees. My mum is XXXX years old, we have called almost every 2 weeks to keep abreast of why it was taking so long. These fees should not be tacked onto to her account. My mother 's credit has been impacted by this error and after several calls to inquire about making payments, at no time did they request any such fees. I would hate to see what would have happened if we just " waited '' as they suggested for us to receive a new account number. This charge off should be removed and we should have received letters as to when they assigned a new account number prior to this to allow us to make the payments that we orchestrated in their absence of documentation. Please do not accept their reply that we requested for them to place a do not call on our account. The woman who called my mother had badgered her right after she shared she had returned home from XXXX XXXX. There was no request to " do not call '' as stated in their letter to you. I turned to social media as no one was assisting us through Nissan Motor Corp and my mum 's car was going to be repossessed - in error! We are now faced with extraordinary fees as we received their new account number just now 4 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have more than 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2023-01-10
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I started a loan modification back in XXXX XXXX, I passed my trial period and was accepted and granted the loan modification in XX/XX/XXXX, a new subordinate mortgage was created and an official agreement for the Loan Modification, with the new principal and interest totaling out to {$1000.00} till the maturity date of loan which is XXXX/XXXX/XXXX. I was relived when I received the official documents signed from Midland Mortgage for the approved Loan Modification. Every month since then I have made every monthly payment on time as per the agreement. 
On XX/XX/XXXX I started receiving robot calls from Midland in regards to saving my home from foreclosure, I disregarded it at first but after 2 days of nonstop robot calls I logged into my account just to view it, it showed I owed {$100000.00} due immediately for failure of 33 payments. I immediately called customer service, I was advised not to be alarmed that my Loan Modification was under review and my account would be righted within a couple of days. After a week I received over 20 notices in the mail that I was passed due on my mortgage and need to remedy it via a Loan Modification, Program, or Short sale. I called again, now with my account showing 11 payments behind on top of fees totaling out to {$33000.00}, I was told by Supervisor XXXX XXXX that there was an error made on behalf of Midland Mortgage  and they are reversing the loan modification and I will need to pay that dollar amount to bring my account to current to avoid foreclosure, that I could apply for another Loan Modification, and an assistance program to divide the XXXX XXXX into several payments, this amount is also including late fees, even though I have never been late on a monthly payment. They arent complying to our contract, they are breaching it, without explanation other than an error, with letters being sent out, with threats on losing my home. 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 and the best answer I can receive from Midland Mortgage is they are working on putting an explanation in writing and they understand my struggles. Now I have to hire a lawyer with funds I do not have to force Midland Mortgage to honor and comply with a Loan Modification that they approved.

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 2021-04-19
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Incorrect dates, balance and account settlement information Party Owed : Macys / DSNB I am disputing this derogatory account on my credit report. This debt was forgiven and incorrectly reported. This is my official request to have the aforementioned item to be deleted off my credit report

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 2023-07-10
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
I logged into my equifax account and recieved an error message that advised me to call them and provide a code. I did this. At that time I was asked to scan my license while on the phone to prove who I was. The rep stated it was a one time issue no big deal and would send me out my credit report. Fast forward I go to recheck for something I disputed and got the same error message. This time I called I was told it was an internal issue on their end. I was advised they were routing to IT and advised to allow 2 week. Its been a month. I log in today same issue. I called and was told I need to mail in documents to verify who I am. I asked what has changed and why is this necessary especially when the automated system asked for ss # dob address zip etc. I then explained I have been dealing with this for a month. I spoke to someone today who advised me that the only way for me to obtain my own information or access to my account is to snail mail a copy of my license and SS card for proof of verification and then the turn around time is another 3 weeks. I explained I dont have that type of time we are in the homebuying process I can not obtain or view my info. She couldnt answer my questions as to why this wasnt explained a month ago or WHY this is needed now. I also asked why I never got any correspondence requesting info or why the last 4 people never told me they needed me to mail in anything as this couldve been done a month ago.

Company response to consumer: Closed with explanation